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, IN01.2004
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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