Tiffany Davis
Surprise
Summary
Astute and methodical Senior Mortgage Underwriter with a significant background working with Conventional & VA customers, excelling in FNMA & FHLMC guidelines and regulatory compliance. Proven track record in risk assessment and fraud detection, fostering collaboration to enhance loan quality and customer satisfaction. Strong decision-making skills drive successful outcomes in complex underwriting scenarios. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
13
13
years of professional experience
Work History
Senior Mortgage Underwriter
AD Mortgage / Flagstar Bank
12.2020 - 07.2025
- Underwrite mortgage loans in compliance with Fannie Mae, Freddie Mac, and investor specific guidelines.
- Conduct comprehensive risk assessments, leveraging in-depth knowledge of regulatory frameworks to ensure sound, compliant lending decisions.
- Take ownership of complex files, applying advanced underwriting strategies to support responsible lending while maintaining loan quality.
- Analyzed credit reports, income documentation, and asset statements to assess borrower eligibility.
- Serve as a trusted partner to loan officers, processors, and account executives; proactively identifying documentation gaps and providing clear, actionable guidance to keep loans moving forward.
- Foster strong communication across teams to reduce turnaround times, enhance borrower experience, and ensure alignment on loan requirements and outcomes.
- Conducts manual underwriting for divorce and purchase assumption loans, including detailed income analysis and verification.
- Completes comprehensive underwrites for non-agency HELOC (Home Equity Line of Credit) loans
- Proficient in analyzing personal and business tax returns, assessing business liquidity, and accurately calculating self-employment income.
- Conducted thorough reviews of complex loan files to identify potential risks and recommend appropriate actions.
- Maintained up-to-date knowledge of industry trends, regulatory changes, and company policies impacting mortgage underwriting.
- Verified integrity of applicants' information to minimize fraud.
- Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
- Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
- Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
Mortgage Underwriter II
USAA Federal Savings Bank
06.2017 - 12.2020
- Underwrote VA and Conventional mortgage loans by evaluating credit, income, assets, and collateral in accordance with established guidelines and regulatory requirements.
- Assessed borrower creditworthiness and risk, ensuring data integrity and documentation validity to support sound loan decisions.
- Conducted detailed assessments of borrower eligibility for various mortgage products.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Applied critical thinking and prudent judgment to mitigate risk while maintaining compliance with underwriting standards.
- Collaborated with Processors, Loan Officers, and Vendors to gather required documentation and improve file quality.
- Partnered with Processing to streamline workflows, reduce cycle times, and enhance submission accuracy.
- Maintained consistent adherence to quality and compliance benchmarks across all loan decisions.
Business Controls Specialist III
USAA Federal Savings Bank
04.2016 - 06.2017
- Delivered quality assurance support for Real Estate Originations, Processing, and Third-Party partners through process reviews and call audits to ensure compliance with regulatory standards (Fair Lending, TRID, AML, BSA, KYC, and disclosure requirements).
- Assessed internal controls related to mortgage operations; identified risk areas and ensured control effectiveness.
- Monitored for potential fraud and escalated high-risk language flagged during member interactions (e.g., “bait and switch,” “unfair,” “discrimination”).
- Supported training and implementation of the Call Quality program; provided actionable feedback to leadership for policy and process improvements.
- Actively participated in team meetings to align efforts and maintain consistency across departments.
Mortgage Loan Officer
USAA Federal Savings Bank
08.2012 - 04.2016
- Guided members through VA and Conventional mortgage applications for purchases and refinances; managed a full loan pipeline and underwrote files per established guidelines.
- Built strong member relationships through detailed document review and thoughtful, needs-based conversations.
- Served as team Quality Point of Contact: created audit tools, conducted spot checks, analyzed defects, coached team members, and recommended process improvements.
- Consistently met production and quality goals while maintaining compliance with federal, USAA, and investor regulations.
- Delivered responsive, solution-focused service by collaborating with underwriting, processing, and support teams
- Evaluated client financial information to determine eligibility for mortgage loans.
- Developed tailored loan solutions based on individual client needs and market trends.
- Collaborated with real estate agents and clients to facilitate smooth transaction processes.
Education
Bachelor of Science - Business Administration
University of Phoenix
Phoenix, AZ04-2011
Project Management Certification - Project Management
University of Phoenix
Phoenix, AZ04-2008
Skills
- FNMA & FHLMC guidelines
- Strong decision-making
- Loan underwriting expertise
- Debt-to-income ratios
- LTV calculations
- Application analysis
- Income & asset analysis (including self-employment)
- Residual incomes
- Collateral evaluation
- Fraud detection
- Regulatory compliance
- Underwriting software
Timeline
Senior Mortgage Underwriter
AD Mortgage / Flagstar Bank
12.2020 - 07.2025
Mortgage Underwriter II
USAA Federal Savings Bank
06.2017 - 12.2020
Business Controls Specialist III
USAA Federal Savings Bank
04.2016 - 06.2017
Mortgage Loan Officer
USAA Federal Savings Bank
08.2012 - 04.2016
Bachelor of Science - Business Administration
University of Phoenix
Project Management Certification - Project Management
University of Phoenix
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