Denise LaJuett

LYON FINANCIAL — Mooresville, NC

Account Manager | Sep 2025–Present

• Review application and file documentation for completeness, accuracy, and inconsistencies.

• Evaluate applicant income and supporting financial documentation.

• Identify missing or erroneous information and coordinate resolution with internal and external customers.

• Manage multiple active files while maintaining timely follow-up and documentation standards.

• Communicate with customers and internal teams throughout the application review process.

CROSSCOUNTRY MORTGAGE — Cornelius, NC

Loan Processor II | Sep 2023–Feb 2024

• Managed residential mortgage files from application through underwriting preparation.

• Evaluated credit histories, income, assets, debts, employment, and supporting documentation.

• Reviewed files for missing, inconsistent, or inaccurate information prior to underwriting submission.

• Assisted loan officers with documentation requests and processing requirements.

• Monitored loan milestones and deadlines while communicating with borrowers and internal stakeholders.

• Coordinated with all parties involved throughout the mortgage process to support timely loan completion.

MAIN STREET HOME LOANS — Linthicum, MD

Senior Mortgage Underwriter — Remote | Feb 2021–Apr 2022

• Exercised FHA Direct Endorsement authority on residential mortgage files.

• Underwrote FHA, Conventional, and USDA loans in accordance with agency, investor, and company requirements.

• Analyzed credit, income, assets, liabilities, collateral, and layered risk to determine loan eligibility.

• Utilized Desktop Underwriter and Loan Prospector/Loan Product Advisor.

• Applied investor guidelines and company overlays to underwriting decisions.

• Reviewed and approved residential real estate appraisals for eligibility and valuation support.

• Resolved underwriting conditions and communicated decisions to processors, loan officers, and operations teams.

PLAINS COMMERCE BANK — Sioux Falls, SD

Senior Mortgage Underwriter — Remote | 2020– 2021

• Performed senior-level underwriting of FHA, Conventional, and USDA residential mortgage loans.

• Exercised FHA DE authority and applied agency, investor, and company underwriting standards.

• Evaluated borrower credit, income, assets, liabilities, property eligibility, and overall risk.

• Utilized Desktop Underwriter and Loan Prospector/Loan Product Advisor.

• Reviewed real estate appraisals and supporting collateral documentation.

• Communicated underwriting decisions, conditions, and guideline requirements to internal mortgage teams.

ROUNDPOINT MORTGAGE SERVICING — Fort Mill, SC

Senior Mortgage Underwriter — Remote | 2019– 2020

• Underwrote FHA, Conventional, and USDA loans using FHA DE authority.

• Evaluated borrower credit, income, assets, liabilities, collateral, and appraisals in accordance with agency, investor, and company guidelines.

• Utilized DU and LP/LPA and worked with processors and loan officers to resolve underwriting conditions.

E MORTGAGE MANAGEMENT — Cherry Hill, NJ

Senior Mortgage Underwriter — Remote | 2016– 2019

• Underwrote FHA, Conventional, and USDA loans using FHA DE authority.

• Applied agency, investor, and company guidelines while reviewing credit, income, assets, collateral, and appraisals.

• Utilized DU and LP/LPA and communicated underwriting conditions and decisions to internal teams.

PLAZA HOME MORTGAGE — San Diego, CA

Senior Mortgage Underwriter — Remote | 2012– 2016

• Underwrote FHA, Conventional, and USDA loans using FHA DE authority.

• Utilized DU, LP, and GUS while applying investor and agency guidelines.

• Reviewed appraisals and collateral documentation and communicated underwriting decisions to internal and external customers.

ADDITIONAL MORTGAGE EXPERIENCE

Earlier mortgage-industry experience includes underwriting and lending positions with organizations including Canandaigua National Bank, MGIC, Citizens Bank, and Headway, contributing to more than 25 years of mortgage lending, underwriting, credit analysis, and financial-services experience.