Nancy Lockhart Email and Phone Number

• Analyze borrower documentation, including appraisals, financial statements, and credit reports, to assess loanapplication risk and compliance with lending criteria.• Calculate debt-to-income ratios to evaluate borrower repayment capacity and perform collateral reviews forguideline adherence.• Review and resolve exceptions and scenarios to ensure loan application acceptability within client-specificguidelines, maintaining adherence to service level standards

Underwriting conventional correspondent and broker loansUpdating all loan information in the Destiny origination system as wells as Fannie Mae desktop underwriterCommunicating the initial and subsequent underwriting decision to the clientReviewing and accepting underwriting conditionsReview loan using the BlitzDoc imaging system, printing, uploading approvals and documents using the CutePDF writerPerform Fraud review using LoanSafe/FraudManager reportsRestructuring the transaction, if necessaryResearching and responding to Quality Control audits as required

Pre-fund Quality underwriting of loan files for FHA, VA, agency, Jumbo and bond loan filesMentoring and coaching to peers and partnersReviewing, analyzing and underwriting large, unusual or complex loan products within company and industry guidelines. Reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value)Evaluating and reviewing other Quality Underwriters auditsExamining transactions to ensure accuracy and completenessPreparing reports for review, ensuring that documents are consistent, hold to company and industry guidelinesImplementing fraud detection techniques and performing compliance reviewsAssisting with re-negotiations of loans based on lending guidelinesReviewing and explaining rationale behind credit decision with managers and initial underwriterProvide work direction and/or training to team members and provide performance feedback to supervisors and managers