About Me
Experienced Mortgage Underwriter in North Carolina
I have made my career in the financial banking and loan industry since the early 1990s. My expertise is underwriting for residential mortgages, including FHA, conventional, USDA, and portfolio loans.
My previous roles have strengthened my capabilities in decision-making and organization, including keen attention to detail and accuracy. As an adept senior mortgage underwriter, I have a well-rounded skill set in data verification and honed talents in application data verification and eligibility determination. Further, I am a good communicator and collaborate with others.
If you want to hire an experienced mortgage underwriter, please contact me to discuss how my experience and qualifications will prove valuable in this role.
Thank you,
— Denise
Why I Love Underwriting Mortgages
As a mortgage underwriter, my job involves reviewing and evaluating applications for home loans. I am responsible for ensuring that the borrower meets the requirements set by the lender and assessing the risk associated with lending money to the borrower.
To do this, I look at various factors, such as the borrower's credit history, income, employment status, debt-to-income ratio, and the value of the purchased or refinanced property. I use this information to determine whether the borrower is likely to be able to repay the loan and if the property provides adequate collateral for the loan.
Once I have assessed the borrower's application, I decide whether to approve the loan, deny the loan, or request additional information. If the loan is approved, I also determine the terms and conditions of the loan, including any required insurance or fees.
Overall, my role as a DE mortgage underwriter is to ensure that the lender makes a sound financial decision when lending money for a home loan.
Soft Skills and Traits of an Underwriter
Detail-Oriented: Document reviews must be done carefully, including a mortgage applicant's income, expenses, investments, and credit history.
Good Teammate: As underwriters, we often work with loan officers, processors, closers, managers, and vendors to complete the loan process.
Multi-tasker: Being highly organized and able to prioritize tasks is very helpful when keeping up with tight deadlines.