Tina Naylor
Friedens
Summary
Experienced mortgage professional with strong track record in evaluating loan applications and assessing credit risk. Adept at collaborating with team members to ensure seamless operations and adapt to changing needs. Skilled in financial analysis, risk management, and compliance with industry regulations. Reliable and results-driven, committed to delivering high-quality outcomes.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Mortgage Loan Underwriter
NVR Mortgage
11.2018 - Current
- Conducted regular audits of underwriting files for accuracy and completeness, maintaining quality documentation standards.
- Trained and mentored new and existing underwriters in various loan products and completed quality control reviews.
- Managed a diverse portfolio of mortgage applications, consistently meeting or exceeding established performance metrics.
- Streamlined communication channels between departments, fostering collaboration throughout the mortgage origination process.
- Contributed to team success through active participation in training sessions and professional development opportunities.
- Participated in quality assurance initiatives, monitoring adherence to company policies and best practices.
- Provided detailed feedback on loan decisions, effectively communicating with both internal stakeholders and applicants.
- Collaborated with loan officers to resolve discrepancies in application materials, streamlining the approval process.
- Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
- Maintained a deep understanding of various loan products available, expertly matching borrower needs with suitable options.
- Maintained compliance with regulatory standards and guidelines, mitigating potential risks to the organization.
- Effectively managed workload to ensure timely completion of all assigned tasks while maintaining a focus on quality.
Mortgage Loan Underwriter
AFR Wholesale
05.2013 - 09.2018
- Supported business growth by identifying high-quality borrowers through detailed evaluation processes.
- Conducted regular audits of underwriting files for accuracy and completeness, maintaining documentation standards.
- Streamlined communication channels between departments, fostering collaboration throughout the mortgage origination process.
- Contributed to team success through active participation in training sessions and professional development opportunities.
- Participated in quality assurance initiatives, monitoring adherence to company policies and best practices.
- Continuously updated knowledge of industry trends and changing regulations to inform sound decisionmaking.
- Provided detailed feedback on loan decisions, effectively communicating with both internal stakeholders and applicants.
- Collaborated with loan officers to resolve discrepancies in application materials, streamlining the approval process.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
- Maintained compliance with regulatory standards and guidelines, mitigating potential risks to the organization.
- Effectively managed workload to ensure timely completion of all assigned tasks while maintaining a focus on quality.
Education
Associate of Science - Behavioral Sciences
Pennsylvania State University
University Park, PA06-2028
Skills
- Underwriting guidelines
- Debt-to-income ratios
- Professional ethics
- Documentation review
- Property valuation
- Credit analysis, Income calculation
- Time management
- Attention to detail
- Problem-solving abilities
- Multitasking Abilities
- Reliability
- Excellent communication
Certification
- FHA/VA Underwriting Certification
Timeline
Mortgage Loan Underwriter
NVR Mortgage
11.2018 - Current
Mortgage Loan Underwriter
AFR Wholesale
05.2013 - 09.2018
- FHA/VA Underwriting Certification
Associate of Science - Behavioral Sciences
Pennsylvania State University
Similar Profiles
Kaitlyn CarterKaitlyn Carter
Mortgage Loan Officer at NVR MortgageMortgage Loan Officer at NVR Mortgage
Michelle WilliamsMichelle Williams
Loan Processor at NVR MortgageLoan Processor at NVR Mortgage
Daniel MullikinDaniel Mullikin
Loan Processor at NVR MortgageLoan Processor at NVR Mortgage