Summary
Overview
Work History
Education
Skills
Additionalinformation
Timeline
Generic

Tracy Disney

Acworth,GA

Summary

With over 30 years of experience in the mortgage lending business, I possess a deep understanding of the industry. Holding active Direct Endorsements for (DE) Chums and VA Credit Authority (SAR), I am well-versed in Desktop Underwriter, Loan Prospector, FHA Connection, and VA Portal. My ability to quickly grasp product guidelines and adapt to market changes is a testament to my competence in navigating and interpreting skills for FMNA, FHLMC, FHA, VA, and company guidelines. Working independently comes naturally to me, as I thrive in fast-paced production environments and excel at making independent decisions with strong problem-solving skills. Excellent time management and attention to detail are my strengths, allowing me to adapt effectively to change while maintaining effective communication in a professional manner. Furthermore, my experience in high production and fast-paced environments has honed my customer service skills, making me highly responsive to internal customers and team members' issues and concerns. Proficient in Encompass 360 and Microsoft Office products (Excel, Word, etc.), I am well-equipped to handle any task efficiently.

Overview

11
11
years of professional experience

Work History

Sr. Underwriter III DE/VA

Southeast Mortgage of Georgia, Inc.
06.2020 - Current
    • Proficient in all products offered at SEM, including DPA Loans
    • Extensive D/U, LP, and FHA and VA Experience
    • Maintained knowledge of all FHA, VA, Fannie and Freddie guideline changes and updates
    • Completed 2nd Level reviews on Loans for Other Underwriters
    • Assisted with Hot Line calls for Underwriting Questions
    • Manual Underwriting Experience (FHA Manual and VA Manual)
    • Underwrite minimum 2 to 4 loans per day and maintain condition review at approx.24 hours
    • Full VA SAR LAPP designations with VA

Sr. Underwriter III DE/VA

Silverton Mortgage
02.2020 - 05.2020
  • Proficient in all products offered at SM
  • Underwrite Majority Government Loans (VA and FHA)
  • Extensive D/U, LP, and FHA and VA Experience
  • Maintained knowledge of all FHA, VA, Fannie and Freddie guideline changes and updates
  • Manual Underwriting Knowledge (FHA Manual and VA Manual)
  • Underwrite an average of 5 loans per day and maintain condition review at approx.24 hours
  • Full VA SAR LAPP designations with VA

Sr. Underwriter III DE/VA

Southeast Mortgage of Georgia, Inc.
06.2018 - 01.2020
    • Proficient in all products offered at SEM
    • Extensive D/U, LP, and FHA and VA Experience
    • Maintained knowledge of all FHA, VA, Fannie and Freddie guideline changes and updates
    • Manual Underwriting Experience (FHA Manual and VA Manual)
    • Underwrite minimum 2 to 4 loans per day and maintain condition review at approx.24 hours
    • Full VA SAR LAPP designations with VA

Sr. Underwriter III DE/VA

Paramount Equity Mortgage DBA Loan Pal
09.2017 - 06.2018
  • Company Overview: (Company closed location June 2018)
  • Proficient in all products offered at PEM
  • Extensive D/U, LP, D/U Refi Plus, LP Open Access and FHA and VA Experience
  • Maintained knowledge of all FHA, VA, Fannie and Freddie guideline changes and updates
  • Manual Underwriting Experience (Conventional Jumbo
  • FHA Manual and VA Manual)
  • Delegated MI Underwriter with Radian and Essent
  • Underwrite minimum 2 to 4 loans per day and maintain condition review at approx.24 hours
  • Full VA SAR LAPP designations with VA
  • (Company closed location June 2018)

Sr. Underwriter DE/VA

South Point Financial Services, Inc.
03.2016 - 09.2017
  • Proficient in all products offered at SPFS
  • Extensive D/U, LP, D/U Refi Plus, LP Open Access and FHA Scorecard Experience
  • Maintained knowledge of FHA and VA guideline changes and updates (FHA 4000.1)
  • Manual Underwriting Experience (Conventional Jumbo
  • FHA Manual and VA Manual)
  • Delegated MI Underwriter with Radian and Essent
  • Underwrite minimum 2 to 4 loans per day and maintain condition review at approx.24 hours
  • Underwrite VA Loans (Full VA SAR designation with VA)

Sr. Underwriter DE/VA

Home Point Financial Corporation
08.2015 - 03.2016
  • Company Overview: (HPFC acquired GPNB Operations Department in April 2015)
  • Proficient in all products offered at HPFC, HPFC has FNMA and FHLMC Designation
  • Extensive D/U, LP, D/U Refi Plus, LP Open Access and FHA Scorecard Experience
  • Maintained knowledge of FHA and VA guideline changes and updates (FHA 4000.1)
  • Manual Underwriting Experience (Conventional Jumbo
  • FHA Manual and VA Manual)
  • Delegated MI Underwriter with Radian and United Guaranty and Essent
  • Underwrite a minimum of 2 to 4 loans a day and maintain condition review at 24 hours
  • Underwrite VA Loans (Full VA SAR designation with VA)
  • (HPFC acquired GPNB Operations Department in April 2015)

Sr. Underwriter DE

Great Plains National Bank
10.2013 - 08.2015
  • Proficient in all products offered at GPNB that we had a Correspondent relationship with and keep up to date on all overlays and updates
  • Extensive D/U, LP, D/U Refi Plus, LP Open Access and FHA Scorecard Experience
  • Extensive Appraisal Knowledge
  • Manual Underwriting Experience (Conventional Jumbo
  • FHA Manual and VA Manual)
  • Delegated MI Underwriter with Radian and United Guaranty and Essent
  • Underwrote a minimum of 4 to 6 loans a day, closing 80 to 100 loans a month

Education

High School Diploma -

Strongsville High School
Strongsville, OH
06.1980

Skills

  • Analyzing data
  • Training and mentoring
  • Relationship building
  • Risk evaluations
  • Credit analysis
  • Underwriting guidelines
  • Teamwork and collaboration
  • Time management
  • Attention to detail
  • Problem-solving abilities
  • Reliability
  • Organizational skills

Additionalinformation

Authorized to work in the US for any employer., References upon Request

Timeline

Sr. Underwriter III DE/VA

Southeast Mortgage of Georgia, Inc.
06.2020 - Current

Sr. Underwriter III DE/VA

Silverton Mortgage
02.2020 - 05.2020

Sr. Underwriter III DE/VA

Southeast Mortgage of Georgia, Inc.
06.2018 - 01.2020

Sr. Underwriter III DE/VA

Paramount Equity Mortgage DBA Loan Pal
09.2017 - 06.2018

Sr. Underwriter DE/VA

South Point Financial Services, Inc.
03.2016 - 09.2017

Sr. Underwriter DE/VA

Home Point Financial Corporation
08.2015 - 03.2016

Sr. Underwriter DE

Great Plains National Bank
10.2013 - 08.2015

High School Diploma -

Strongsville High School
Tracy Disney