Diane St James Email & Phone Number

Belton, TX, US

Manhattan Beach, California, United States

• Tackled and completed daily workload with confidence and skill.
• Mastered underwriting new products including 2nd Fixed, Home Equity Line of Credit, and proprietary non-conforming mortgage products.
• Championed exceptions for those borrowers who fit more outside the box.
• Excelled in Texas 50(a)(6) loans knowledge applied to those mortgages for homeowners in Texas.
• Surpassed communication expectations via excellent written and verbal skills to all operations staff involved from initial underwrite through closing.
• Performed detailed analysis of non-conforming, portfolio and conforming files to support compliance with internal and agency guidelines to ensure salability.

Texas, United States

• Analyzed loan documentation for completeness and accuracy, including but not limited to the URLA application, income documents, credit report, title documents, purchase contract, trusts, appraisal and all applicable.
• Named Top Retail Underwriter – November 2020 with 98 new loan submittals underwritten and approved in 30 days.
• Balanced the need for loan-volume growth with equally important necessity of best underwriting quality to minimize risk while maximizing profitability.
• Fast track trained on Non-QM products and mastered 24 months asset-based income calculation.
• Improved SLA turn time requirements by 30%.
• Exhibited keen mindfulness, written and oral communication skills, and thrived in a team atmosphere volunteering whenever the need arose.

Irving, Texas, United States

• Front line conventional underwriter including DU REFI + and LP Open Access, HomePath as well as Non-Agency Jumbo loans and non-credit qualifying FHA streamlines.
• Excellent communication skills with brokers, operations staff and management.
• Hand picked for Non-Agency Jumbo underwriting team with loan amounts in excess of $1M.
• Highly skilled with 100% paperless files and systems.
• Analysis includes income, assets, credit as well as diligence review of AUS findings and appraisal review.
• Distinguished honor of 2nd place Top Underwriter for the year 2015.

Remote

• Completed conventional mortgage underwriter – Frontline.
• Sound credit judgment including all details of income, credit, property reports, and assets.
• Follow through with required adjustments, errors, and required inspections prior to CTC.
• Strong math ability including in-depth review of tax returns.
• Proficient with exclusively paperless files and systems.

Georgetown, TX

• Contract underwriter for major lender.

Georgetown, TX

• Tasked with pre-funding QC full underwriting of conforming/FHA/VA mortgage loans for nationwide lender including completion of in-depth quality assurance reports.
• Involved completion of in-depth quality assurance report.
• Analysis includes detailed re-underwriting of closed loans including use of FHA Connection check for insurability issues on FHA loans.
• Exceeded workflow expectations with accuracy and dedication.

Bs, Business Administration And Management, General

Activities and Societies: Purdue University ChoirGO RED BRICKS! Degree in GENERAL MANAGEMENT with a concentration in FINANCE

Education record

CEU's awarded for the following coursework: Underwriting the Self- Employed Borrower; Loan Prospector - FHLMC; and Desktop Origination at.

Certificate, Fha

Certificate of completion - FHA DE Underwriting and Processing Course

Education record

Completed Tax Training School of H&R Block

Education record

Processing the Loan Mortgage Loan Underwriting