Summary
Overview
Work History
Education
Skills
Certification
References
Timeline
Generic

Candice Ivy

Chandler

Summary

Experienced and results-driven professional seeking to re-enter the mortgage industry, bringing a strong background in mortgage processing and underwriting. Committed to delivering exceptional service to borrowers while ensuring compliance with regulatory guidelines and industry standards.

Overview

13
13
years of professional experience
1
1
Certification

Work History

CEO

EYEVI
Chandler
02.2024 - Current
  • Built online store via e-commerce platform
  • Developed strong social media presence
  • Plan and schedule product photoshoots
  • Research fashion trends and plan upcoming collections
  • Manage order processing, fulfillment, and customer service; negotiate contracts with vendors.
  • Oversee operational activities related to budgeting, forecasting, accounting, financial reporting, and audits.

Sr. Logistics Ops Specialist (FT)

Pinnacle Logistics
Phoenix
08.2022 - 09.2023
  • Received and prepared work orders in alignment with established procedures.
  • Worked directly with customers on the receipt and processing of transportations requests.
  • Handled dispatch with contractors, owner-operators, and partner carriers within specifically assigned territories.
  • Assisted with new account start-ups.
  • Tracked and traced shipments from pick-up through delivery to ensure accurate and up-to-date shipment information is provided to customers.
  • Supported the timely and efficient movement of vehicles in alignment with schedules.
  • Created multiple stop routes (up to 15 stops) within 1,000 miles or less for drivers to deliver to designated customers.

Remote Underwriter III (FT)

LoanDepot
Scottsdale
05.2019 - 07.2022
  • Responsible for an in-depth review of Conventional and FHA files based on income, assets, credit, and collateral.
  • Underwrote loans in accordance with investor guidelines, utilizing AUS (DU/LP) and manual guidelines.
  • Issued loan decisions applying necessary PTD and PTF conditions to ensure compliance with underwriting guidelines and regulatory requirements.
  • Reviewed, approved, and cleared conditions for compliance and completion of the loan file.
  • Stayed abreast of new types of loans, financial services, and products to better meet customers' needs.
  • Identified red flags and alerts.
  • Appraisal review.
  • Self-employed income calculation, including 1065, 1120, and K1 returns.
  • Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
  • Trained, coached, and mentored new underwriters on guidelines, conditions, regulations, and processes.
  • Issued 10-12 decisions per day (Conditional Approval, Suspend, Approved, Denied).

Remote Underwriter III (FT)

Movement Mortgage
Tempe
11.2015 - 10.2018
  • Analyzed borrowers' credit, income, assets, liabilities, and debt-to-income ratios to ensure creditworthiness.
  • Reviewed new loans and set conditions; cleared conditions on resubmissions within the SLA.
  • Approved loans within specified limits, and referred loan applications outside those limits to management for approval.
  • Reviewed complex tax returns and income calculations.
  • Maintained quality while meeting the required decisions of 8 to 10 per day, as set forth by the underwriting manager.
  • Provided guidance on complex loan structures according to investor requirements.
  • Maintained a working knowledge of secondary market underwriting guidelines, private investor, and private mortgage insurance guidelines, in addition to Conventional, FHA, and VA guidelines.
  • Collaborated with internal partners (loan officers, processors, and closers) to ensure that the loan met all requirements and was funded.

Sr Retail Underwriter II (FT)

JP Morgan Chase
Tempe
09.2012 - 11.2015
  • Responsible for in-depth review and analysis of conventional and non-agency files based on customers' submitted applications, and provided corresponding products to better meet customers' needs.
  • Approved loans within specified limits, and referred loan applications outside those limits to management for approval.
  • Communicated appropriate information to internal and external lines of business.
  • Analyzed financial data, including credit, income, assets, liabilities, and debt-to-income ratios of applicants.
  • Updated information on processing and underwriting systems to verify, add, or waive conditions.
  • Appraisal review.

Education

Bachelor of Interdisciplinary Studies - Business Management

Arizona State University
Tempe, AZ
05.2000

Skills

  • Microsoft Office
  • Microsoft Word
  • Excel
  • AS400
  • Google Sheets

Certification

FHA Direct Endorsement, JH 84

Real Estate License

References

References available upon request

Timeline

CEO

EYEVI
02.2024 - Current

Sr. Logistics Ops Specialist (FT)

Pinnacle Logistics
08.2022 - 09.2023

Remote Underwriter III (FT)

LoanDepot
05.2019 - 07.2022

Remote Underwriter III (FT)

Movement Mortgage
11.2015 - 10.2018

Sr Retail Underwriter II (FT)

JP Morgan Chase
09.2012 - 11.2015

Bachelor of Interdisciplinary Studies - Business Management

Arizona State University

Similar Profiles

CREATE PROFILE
Candice Ivy