Gina Larucci Email & Phone Number

Schaumburg, Illinois, United States

Chicago, IL

• Conducted thorough reviews of mortgage loan applications, analyzing risk factors, and ensuring compliance with investor and lending guidelines.
• Collaborated with loan officers and processors to gather necessary documentation to streamline the underwriting process and bring loan to a final decision and closing by required deadlines.
• Met and exceeded required lender turn times, volume targets, consistently meeting top tier performance month after month.
• Demonstrated exceptional adherence to regulatory standards, maintaining an excellent record in all audits with perfect or near perfect scores.
• Worked remotely during entire tenure with little or no daily supervision, demonstrating resourcefulness, prioritization, self-discipline, and time management skills.

Lombard, IL

• Underwrote conventional mortgage requests for purchases, refinance, and HAMP (Home Modification Program) loan requests.
• Maintained excellent lender quality and volume standards.
• Exhibited expert use of all underwriting guidelines and policies.
• Demonstrated proficiency with all automation such as DU, LP, Encompass, Word, Excel
• Worked closely with team members, investors, sales, management, and vendors to arrive at timely and accurate loan decisions, preventing closing delays.

Radnor, PA

• Underwrote conventional first mortgage requests and determined mortgage insurance requirements for assigned lender files.
• Demonstrated expert level knowledge and proficiency of guidelines, lender and mortgage insurer policies while adhering to all compliance and regulations.
• Fostered a collaborative and supportive work environment between the lender and mortgage insurance company.

Schaumburg, IL

• Conducted comprehensive evaluations of loan with adherence to lenders specific policies, investor guidelines and industry regulations considering such factors as income, DTI, employment history and overall financial.
• Fostered effective communication and teamwork within the department, actively engaging in regular meetings and training. Provided support to other team members when required.
• Consistently met lender turn time and volume requirements while simultaneously maintaining excellent scores on quality audits.

Downers Grove, IL

• Completed thorough review of all aspects of a mortgage application while applying lenders internal guidelines and polices as well as following investor guidelines and government regulations.
• Worked closely with team members involved in the process. Maintained open communication and friendly discourse during the process to foster a team-orientated and collaborative environment, ultimately enhancing overall.

Oakbrook, IL

-Worked as a contract underwriter reviewing conventional loans for specific lenders to their internal polices and investor guidelines. -Approved or declined mortgage insurance required for specific loans

Schaumburg, IL

Underwrote wholesale mortgages to Freddie and Fannie guidelines. Interacted daily with loan brokers, processors, realtors and appraisers.

Worked as a contract underwriter responsible for reviewing and re-underwriting closed loans to Freddie, Fannie and Mortgage Insurer guidelines for due diligence purposes.

Chicago

- Reviewed conventional first mortgage requests to Freddie and Fannie guidelines as well as portfolio loans for higher end clients that did not meet standard investor guidelines. -Underwriting Team Lean responsible for the ongoing training of the departments Chicago underwriting team and then to Operations Manager for the Hoffman Estates location at that.