Highly accomplished and certified Credit & Mortgage Underwriting Specialist with 10+ years of experience in the US mortgage industry. Proven expertise in loan origination, credit risk assessment, income and asset analysis, fraud detection, regulatory compliance, and process optimization. Known for integrating modern analytics tools (SQL, ETL, Python, Excel, Tableau) and Generative AI applications (ChatGPT) to enhance underwriting efficiency and decision-making. Demonstrates strong leadership in team development, process automation, and cross-functional collaboration.