Tabetha C. Email & Phone Number

Dallas, Tx

Tasked with managing the end-to-end mortgage loan process from start to finish. Accountable for multiple loan types, including jumbo, business, residential, commercial, HELOC, and fix/flip loans for a diverse clientele. ➣ Evaluates mortgage loan applications to assess the borrower's creditworthiness, income stability, and individual financial situation.➣ Analyzes documentation including income verification, credit reports, tax returns, and bank statements to verify accuracy and completeness.➣ Assesses property appraisals and collateral to ensure they meet lending requirements and mitigate risk.➣ Maintains accurate records and documentation of underwriting decisions and loan files in compliance with internal policies and regulatory requirements.➣ Collaborates with other departments such as loan processing, closing, and compliance to facilitate the timely and efficient processing of mortgage loans.➣ Stays current on financial industry trends, regulatory changes, and underwriting best practices to ensure compliance and mitigate risk.

Dallas, Tx

Brought on board as part of a 15-person mortgage underwriting team. Assists leadership with providing ongoing training and mentoring of peers and new hires. Performed meticulous reviews of residential mortgage appraisal forms, calculating loan-to-value ratios and promptly identifying potential red flags. ➣ Issued decisive loan determinations and tailored file conditions, maintaining compliance standards.➣ Examined credit reports to discern credit patterns, assess current liabilities, identify outstanding judgments, and evaluate collections. ➣ Utilized automated underwriting systems (AUS) such as LP, DU, or DO daily, promptly communicating outcomes to processors and loan officers. ➣ Confirmed creditworthiness and borrower qualifications by analyzing income sources and scrutinizing asset statements for various accounts relative to financial obligations. ➣ Cleared all conditions while staying abreast of evolving loan products and origination requirements. ➣ Reviewed loan terms, LTV ratios, and other metrics to ensure alignment with program guidelines and regulatory standards.

Dallas, Tx

Handled affidavits, declarations, and depositions while verifying company documents. Witnessed the execution of various local and international documents, including sales, purchase agreements, and transfers of land. ➣ Prepared tax returns for clients and offered tailored guidance to assist them in completing their tax documentation accurately. Demonstrated expertise in confirming identities and signatures. ➣ Addressed and promptly resolved client inquiries, providing insights to navigate future tax scenarios. ➣ Conducted thorough analyses to ensure adherence to governmental regulations.

Dallas, Tx

Applied keen attention to detail in evaluating mortgage applications and scrutinizing borrowers' financial profiles to gauge risk and repayment capability. Exhibited exceptional communication and follow-through with borrowers, loan processors, originators, and management across all stages of the underwriting process.➣ Earned commendation as team’s top performer, working on up to 340 mortgages monthly and completing 30 loans weekly consistently. ➣ Praised for achieving the second-highest loan-funding rate within a 20-member underwriting team. ➣ Balanced the imperative for loan-volume expansion with the critical need for top-tier underwriting quality, optimizing risk management and profitability. ➣ Ensured meticulous adherence to internal and external eligibility criteria for loan submissions, particularly specializing in underwriting conventional loans. ➣ Demonstrated proficiency in restructuring declined loans for subsequent approvals, leveraging deep product knowledge. ➣ Maintained unwavering compliance with lending, underwriting, and governmental regulations.

Dallas, Tx

Served as an integral part of a 20-person loan processing team for a residential home construction company. Led thorough assessments of creditworthiness by processing loan applications and associated documentation within established parameters. Calculated relevant ratios and metrics, devising effective debt repayment strategies.➣ Recognized by leadership for consistently meeting or exceeding monthly personal targets and KPIs. ➣ Conducted interviews with applicants to assess financial eligibility and viability for loan approval. ➣ Reviewed active loan files daily to identify missing documents and expedite processing. ➣ Advised clients on suitable products aligning with their needs and organizational lending criteria.➣ Facilitated clear communication with clients, both to request and provide essential information. ➣ Leveraged professional judgment to identify promising borrowers and mitigate risks for the organization. ➣ Upheld strict adherence to legal requirements and regulatory guidelines, maintaining compliance with lending standards at all times.