Lisa Ratledge
Gilbert,AZ
Summary
Hard worker and passionate job seeker with strong organizational skills eager to secure an Underwriting position. Ready to help team achieve company goals.
Overview
13
13
years of professional experience
Work History
Non-Conforming Jumbo Underwriter
Loan Depot
10.2019 - 06.2022
- Manual review of Jumbo and Direct Lending loans that included credit, income, assets, tax return and income review including corporate and personal tax returns, compliance, title documents, and appraisals during underwriting process.
- Extensive experience of reading guidelines and applying them accordingly for several investors approved to work with.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Applied decision logic to each file and problem-solving skills with ability to adapt to constant industry changes.
- Thorough knowledge of all Agency and market common underwriting requirements as it pertains to each loan.
Non-QM and Non-Agency Underwriter
Caliber Home Loans
08.2015 - 10.2019
- Manual underwrite of Non-Agency, Non-QM and Portfolio loans included review of credit, all aspects of income docs including tax returns, P&Ls, and balance sheets, assets, compliance, title documents, and appraisals during underwriting process.
- Conscientious and committed to adhering to standards, underwriting guidelines, and authority levels.
- Developed strong relationships with processors and loan officers, leading to higher volume of quality submissions and successful underwritings.
- Excellent written and oral communication skills
- Meet department expectations for both production and quality metrics.
- General knowledge of mortgage banking origination practices, procedures, and regulations.
Senior Underwriter
Bank of America
08.2009 - 07.2015
- Review of Conventional purchase and refinance loans
- Applied DU/LP decision to loan decision and company guidelines as applied to loan.
- Review of standard processing documents, including income, assets, credit, title, and appraisals.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Developed customized training programs for new hires in the underwriting department to accelerate their ramp-up process.
- Strong background in processing mortgages including Conventional, FHA, VA purchase and refinance loans.
- Ability to establish and maintain working relationships with co-workers and external contacts, and to work effectively in a professional team environment.
Skills
- Manual Underwrite of Loans
- Multitasking
- Organizational Skills
- Risk Assessment
- Relationship Building
- Quality Control
- Caseload Management
- Decision-Making
- Time Management
Timeline
Non-Conforming Jumbo Underwriter
Loan Depot
10.2019 - 06.2022
Non-QM and Non-Agency Underwriter
Caliber Home Loans
08.2015 - 10.2019
Senior Underwriter
Bank of America
08.2009 - 07.2015
Similar Profiles
Ke’chelle WeatherspoonKe’chelle Weatherspoon
SR Customer Leading Representative at Loan DepotSR Customer Leading Representative at Loan Depot
Kortney TillmanKortney Tillman
Loan Representative at Loan DepotLoan Representative at Loan Depot
Joy MorrisJoy Morris
Sr. Mortgage Closer at Loan DepotSr. Mortgage Closer at Loan Depot