I have been in the mortgage industry for more than 20 years. For the last 13 years I was with Wells Fargo; I was a Senior Underwriter for Non-conforming mortgages. I had $4M signing authority and exception approval authority. I Completed underwriting decisions within lending policies. Reviewed and approved loans requiring a higher level of authority. Performed second level review of loan declines for compliance and for alternative lending opportunities. Managed loans through the decline process. Communicated lending decisions to sales partners. Reviewed loans for possible exceptions and/or alternative lending opportunities. Served as subject matter expert and liaison for sales and other team members. Mentored new underwriters and other team members. Worked with senior leaders on complex or challenging loan applications.