Summary
Overview
Work History
Education
Skills
Certification
Designations
Timeline
Generic

Tanya Dye

Mesa

Summary

Professional Underwriter with over 10 years of experience in the mortgage industry. Mastered many skills as a hard-working individual with customer service background, proficient in multi-tasking and have a strong work ethic, which makes an asset to any company. Highly motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Underwriter II Team Lead

BMO
Tempe
03.2021 - 04.2024
  • Maintain the Underwriter Scenario Desk, assist in guideline and decision making for all types of loans.
  • Analyze Portfolio, Non-Conforming, Conforming, Jumbo, FNMA, FHLMC, VA, SAR/LAPP certified to issue NOV for appraisals, FHA, USDA, DPA and Bond Loans.
  • Income specialist as I earned my designations for PM2, Self-Employment, Rental, W2, Retirement Income.
  • I train and supervise a team and new hires to the company.
  • Assist Manager with completing tasks, presentations and miscellaneous projects.
  • Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
  • Analyzed financial information including income, assets, liabilities and credit history of applicants.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
  • Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
  • Performed periodic reviews of existing loans to ensure continued compliance with established policies.

Underwriter III

Land Home Financial
Tempe
08.2020 - 03.2021
  • Analyze and decision retail loans for all product types of mortgage loans in multiple states.
  • In charge of escalations.
  • Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
  • Analyzed financial information including income, assets, liabilities and credit history of applicants.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
  • Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.

Underwriter III

Movement Mortgage
Tempe
08.2019 - 08.2020
  • Seasoned Underwriter upfront review.
  • Handle escalations, above average pipeline volumes efficiently.
  • Negotiated terms with borrowers in order to achieve mutually beneficial outcomes.
  • Underwrote renewals by reviewing premium history, claims history and company financial condition to determine action.
  • Negotiated coverage, policy pricing and service delivery during meetings with customers, agents or brokers.

Senior Underwriter

Bank of the West, BNP Paribas
Tempe
02.2019 - 08.2019
  • Experienced with auditing to enforce quality and quantity loans to increase company growth.
  • Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
  • Maintained profitable book of business with careful attention to standards.
  • Worked with colleagues to review, accept or deny new and renewal business.
  • Maintained underwriting quality score of 90% or greater.

Underwriter DE, SAR/LAPP

Sun American Mortgage
Mesa
06.2015 - 11.2018
  • Awarded with designation for FHA as DE underwriter and VA for Credit Underwriter with certification of SAR/LAPP Conventional Refinances and Purchases of all products that Arizona offers including State Programs, 203k Renovation Loans.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
  • Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
  • Consulted with legal counsel when necessary to resolve complex issues or disputes.
  • Provided guidance on underwriting procedures to junior staff members.
  • Developed strategies for minimizing losses due to credit defaults or delinquencies.
  • Ensured timely submission of all documents needed for closing transactions.
  • Conducted comprehensive analysis and evaluated risk to control underwriting loss.

Senior Underwriter

People’s Mortgage Company
11.2024
  • Analyze and implement agencies processes to effectively maintain quality loans.
  • Detailed orientated expertise.
  • Order and maintain Mortgage Insurance accuracy.

Education

Associates of Insurance - Computer And Information Sciences

Maricopa Community Colleges - Rio Salado Community College
Phoenix
04.2007

Associate of Applied Science - Microsoft, CIS

Maricopa Community Colleges - Paradise Valley Community College
Phoenix, AZ
06.2004

Skills

  • Risk Management
  • Communication
  • Mortgage Underwriting
  • Detail-Orientated
  • Compliance
  • Customer Relations
  • Analysis
  • FHA
  • VA
  • Customer Service
  • Income documentation
  • Underwriting standards
  • Quality assurance
  • Project coordination
  • Process improvement
  • Building strong relationships
  • Collaboration
  • Microsoft office
  • Contract review
  • Asset statements
  • Policy interpretation
  • Property appraisal
  • Freddie mac & fannie mae
  • Multitasking

Certification

  • Associates of Insurance, Rio Salado Community College, 04/01/04
  • Certificate of Completion in CIS, MS Microsoft, Paradise Valley Community College, 06/01/04

Designations

  • DE FHA
  • SAR/LAPP VA
  • NMLS
  • Consumer Loan Underwriter (Safe) 3 –Income-2015
  • Specialist Certified Arizona Public Notary
  • Internet, Public Notary license-2023
  • Licensed Property & Casualty Insurance Agent - 2007

Timeline

Senior Underwriter

People’s Mortgage Company
11.2024

Underwriter II Team Lead

BMO
03.2021 - 04.2024

Underwriter III

Land Home Financial
08.2020 - 03.2021

Underwriter III

Movement Mortgage
08.2019 - 08.2020

Senior Underwriter

Bank of the West, BNP Paribas
02.2019 - 08.2019

Underwriter DE, SAR/LAPP

Sun American Mortgage
06.2015 - 11.2018

Associates of Insurance - Computer And Information Sciences

Maricopa Community Colleges - Rio Salado Community College

Associate of Applied Science - Microsoft, CIS

Maricopa Community Colleges - Paradise Valley Community College

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Tanya Dye