DE Mortgage Underwriter




8191 Capitol Drive. Cincinnati. OH 45244






Dynamic mortgage professional with 20 years of experience and a history of increasing profitability by ensuring seamless, high-volume processing while optimizing quality, banking operations, and alignment with business requirements. Proactive team leader with proven ability to achieve #1 rating for units funded, operational scorecard, and customer service. Cultivate strong business relationships across functions and leverage combination of management / hands-on skills.




Operations · Underwriting · Lending / Banking · New Business Development

Team Leadership & Development · Customer Relationship Management (CRM) · QA

Process Improvements  · Fraud Prevention · Regulatory Compliance

Loan Processing · Training · Mortgages · Vendor Relations · Resource Allocation





                                                                      EMPLOYMENT HISTORY



WELLS FARGO HOME MORTGAGE, West Chester, OH, July 2010 to present

Consumer Underwriter for Conventional, VA, FHA, RHS, and Bond loans, FHA CHUMS #W106 - 1998


MORTGAGE SUPPLIERS, Winchester, Kentucky, February, 2010 to May, 2010

Underwriter for Conventional, FHA, VA, RHS and Bond loans


FIRST FEDERAL BANK, Lexington, Kentucky  July, 2009 to February, 2010

Chief Underwriter for Conventional, FHA, VA, RHS, and Bond loans, FHA CHUMS #W106 - 1998

VA Automatic Underwriter #015204, Underwrites to Investor’s guidelines


COUNTRYWIDE BANK, Lexington, Kentucky  1992 to 2008

International mortgage company with ~ 30,000 employees.


Operations Manager (1995 to 2008)

Chief underwriter and director of branch operations for 13 team members (2 underwriters and 11 loan specialists) with 20+ sales staff primarily at senior level. Devised and deployed operational / process improvements. Ensured timely closure of loans, alignment with compliance / company requirements, vigorous fraud prevention, and equitable distribution of portfolio (measured in dollar volume) across teams. Resolved operational, general loan, and documentation issues. Underwrote (for entire branch until late 2007) FHA, bond, and conventional deals (in capacity as Chief Underwriter). Prepared reports on branch performance and portfolio status. Cultivated strong relationships with customers, real estate professionals, appraisers, closing agents, and internal resources. Conducted training programs, evaluated team performance, and mentored employees.

  • Enhanced profitability by overseeing closure of ~ 200 monthly deals (among enterprise-wide leading branches) and providing the management / underwriting services of 2-3 employees.
  • Achieved #2 monthly rating throughout company (of 300+ branches) on operational scorecard and repeatedly attained #1 rating in region.
  • Earned region’s top rankings for units funded and customer service in 5+ consecutive years.


  • ID#: 75699
  • Location: Cincinnati, OH , 45244

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