Trisha Tovar Email & Phone Number

Troy, Mi/ Remote

• Collect and analyze clients’ financial information to assess loan risk • Provided underwriting decisions based on the review of all loan documentation which includes income, assets, credit, collateral, purchase contracts, title and other required documentation • Calculated qualifying ratios, determine creditworthiness; provide risk options• Scrutinized appraisal reports to identify and resolve discrepancies• Prepare detailed reports on assessments and offer recommendations on applicant eligibility, including loan options and conditions.• Effectively prioritize and manage a full pipeline of loans• Professionally communicate with Wholesale Lenders and Account Executives throughout the loan process• Maintained a monthly audit quality score of over 99% for nine years• Resident trainer and mentor to new hires• Regularly research guidelines and stay updated on new regulations• All certifications to underwrite FHA, VA, Conv, Jumbo and Streamline files

Troy, Mi

• Provided FHA, VA and Flagstar Bank overlay interpretation• Guideline support to Account Executives, Wholesale Lenders, Correspondent Lenders and Retail Originators• Assisted with complex loan scenarios and product guidelines

Rochester, Mi

• Served as initial point of contact for the borrower• Acted as a liaison between the borrower, underwriter and loan originator from start of the loan to closing• Directly worked with the borrower to understand the documents and process• Sent initial disclosure packets, ordered appraisals, and prepared closing packages

Risk Management

Education record