Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Team Lead
Timeline
Generic

Tysha M. Justice

Indianapolis

Summary

To obtain a Mortgage Underwriter position within an established and innovative company where my experience, education, creativity, and self-motivation will have valuable application.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Sr Mortgage Underwriter

Ruoff Home Mortgage
08.2015 - Current
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members and loan officers to communicate errors and obtain missing information for current applications.
  • Maintain turn times and production requirements
  • Maintain mortgage program compliance with agencies such as HUD, Freddie, FNMA, IHCDA, MSHDA, and OHFA
  • Worked with upper management to create and roll out new programs.
  • Proficient in Encompass, Microsoft word, Excel, Dataverify, and Microsoft Teams

DE Underwriter

Stonegate Mortgage
08.2014 - 08.2015
  • Underwrite Conventional and FHA loans
  • Follow guidelines to ensure loans are saleable
  • Knowledgeable of FHA guidelines
  • Maintain relationships with Brokers, Correspondents, and AEs
  • Use of teamwork to ensure we maintain within our guidelines
  • Review of initial documentation to make sure it meets guidelines for loan type
  • Communicate what conditions are required to the processors, loan officers, and AEs
  • Use of E3, DocVelocity, Scanner, Microsoft Word, Excel, Dataverify, and Outlook

Underwriter Coordinator

Stonegate Mortgage
11.2012 - 08.2014
  • Review of Conventional, USDA, VA, and FHA conditions
  • Work closely with the underwriters to adhere to turn times
  • Maintain relationships with Brokers, Correspondents, and AEs
  • Use of teamwork to ensure turn times are met
  • Ability to prioritize loans according to turn times and close dates
  • Use of E3, DocVelocity, Scanner, Microsoft Word, Excel, Fraudguard, and Outlook

Mortgage Auditor

JPMorgan Chase Bank
12.2011 - 11.2012
  • Review closed loans to ensure they met RESPA guidelines
  • Review of VA HUDS to make sure there were no unallowable fees charged
  • Research loans to see if documentation can be provided to make them saleable loans
  • Maintain a timeline to acquire needed documentation with a certain timeframe
  • Review of full files for Conventional, VA, and FHA loans to make certain they are in Compliance and within guidelines

Processor

MetLife Home Loans
07.2011 - 12.2011
  • Meet with clients to go over their loan terms
  • Keep clients informed of the progress of their loan and items needed to move towards closing
  • Adhere to a timeline to ensure the close date is met
  • Provide status update reports to management and to my loan officers
  • Work with management, loan officers, and customers to find the best financial solution
  • Use of teamwork to ensure our guidelines and turn times are met
  • Use of Scanner, Power Point, Internet Systems, Microsoft Word, Excel, and Lotus Notes
  • Schedule closings with the client, title company, and loan officer
  • Review documentation before submitting the loan to underwriters
  • Answer any questions customers, loan officers, and title companies have
  • Answer phones and direct to interested party
  • Ability to prioritize while working in a fast paced environment

Processor

Regions Bank
11.2010 - 07.2011
  • Review documentation to ensure that the underwriter can final approve the loan
  • Update customers on their loan status and ensure they are satisfied
  • Experience with FHA, VA, Conv, USDA, and Bond loans
  • Underwrite Conv salaried loans
  • Organize files to ensure that I meet the closing date
  • Provide status update reports to management and my loan officers
  • Use of Empower, Internet Systems, Fraudguard, Lotus Notes, and Excel

Education

B.A. - Individual Family Studies

Purdue University
West Lafayette, IN
01.2004

Skills

  • FNMA guidelines
  • Strong decision-making
  • Debt-to-income ratios
  • Loan underwriting expertise

Accomplishments

    Underwriter of the month

    Team Lead

    Rising Star

Certification

DE Underwriter


Team Lead

Oversaw a team of 16 underwriters as the first of four team leads for new Ruoff program.  

Timeline

Sr Mortgage Underwriter

Ruoff Home Mortgage
08.2015 - Current

DE Underwriter

Stonegate Mortgage
08.2014 - 08.2015

Underwriter Coordinator

Stonegate Mortgage
11.2012 - 08.2014

Mortgage Auditor

JPMorgan Chase Bank
12.2011 - 11.2012

Processor

MetLife Home Loans
07.2011 - 12.2011

Processor

Regions Bank
11.2010 - 07.2011

B.A. - Individual Family Studies

Purdue University

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Tysha M. Justice