Tammy Wills
Roanoke
Summary
Highly-motivated with desire to take on new challenges. Strong work ethic, adaptability and exceptional customer service. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
11
11
years of professional experience
Work History
DE Underwriter III
Cardinal Financial
07.2022 - 10.2023
- Reviews all aspects of conventional and FHA loans for credit analysis, income and collateral integrity for loan approval
- Reviews resubmissions for accuracy and compliance to FHA, Fannie Mae, Freddie Mac and investor overlay guidelines and finalization to closing
- Expertise in DU and LP as well as company software applications.
- Made approval and denial recommendations by determining accurate risk levels.
- Excellent communication skills to build strong relationships with Brokers and other departments involved in the loan process
DE Underwriter
Consumer Direct A Division Of FirstBank
05.2019 - 05.2022
- Reviews all aspects of conventional and FHA loans for credit risk analysis, income and collateral integrity for loan approval
- Reviews resubmissions for accuracy and compliance to FHA, Fannie Mae, Freddie Mac and investor overlay guidelines and finalization to closing
- Expertise in DU and LP as well as company software applications
- Made approval and denial recommendations by determining accurate risk levels
- Excellent communication skills to build strong relationships with Loan Officers and other departments involved in the loan process
DE Underwriter III
Cardinal Financial
01.2015 - 05.2019
- Reviewed all aspects of conventional and FHA loan for credit risk analysis, income and collateral integrity for loan approval
- Reviews resubmissions for accuracy and compliance to FHA, Fannie Mae and Freddie Mac guidelines and finalization to closing
- Expertise in DU and LP as well as company software applications
- Made approval and denial recommendations by determining accurate risk levels
- Excellent communication skills to build strong relationships with Loan Officer and other departments involved in the loan process
Wholesale Underwriter
Stearne Agee Mortgage
07.2014 - 01.2015
- Reviewed all aspects of conventional loans for credit risk analysis, income and collateral integrity for loan approval
- Reviewed resubmissions for accuracy and compliance to Fannie Mae and Freddie Mac guidelines and finalization to closing
- Expertise in DU and LP, as well as company software applications
- Made approval and denial recommendations by determining accurate risk levels
- Excellent Communication skills to build strong relationships with Brokers and other departments involved in the loan process
Underwriter
Roundpoint Mortgage Company
08.2012 - 07.2014
- Reviewed all aspects of conventional loans for credit risk analysis, income and collateral integrity for loan approval
- Reviewed resubmissions for accuracy and compliance to Fannie Mae and Freddie Mac guidelines and finalization to closing
- Expertise in DU and LP, as well as company software applications
- Made approval and denial recommendations by determining accurate risk levels
- Excellent communication skills to build strong relationships with Loan Officers and other departments involved in the loan process
Education
FHA - IL92 -
N/A -
Virginia Western Community College
2015
Skills
- Results Oriented
- Issue Resolution
- Excellent Communication Skills
- Highly motivated/Self-Starter
- Strong Work Ethic
- Managing Risk
- Client Relationship Building
- Risk Management
- Quality Assurance
Timeline
DE Underwriter III
Cardinal Financial
07.2022 - 10.2023
DE Underwriter
Consumer Direct A Division Of FirstBank
05.2019 - 05.2022
DE Underwriter III
Cardinal Financial
01.2015 - 05.2019
Wholesale Underwriter
Stearne Agee Mortgage
07.2014 - 01.2015
Underwriter
Roundpoint Mortgage Company
08.2012 - 07.2014
FHA - IL92 -
N/A -
Virginia Western Community College
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