Michelle Bush
Hertford
Summary
A professional mortgage underwriter prepared for this role with comprehensive experience in risk assessment, financial analysis, and loan approval processes. Skilled in team collaboration and achieving results, adaptable to changing needs, and reliable. Strong analytical skills, attention to detail, and effective communication are valuable assets to any underwriting team.
Overview
25
25
years of professional experience
Work History
Senior Mortgage Underwriter (remote)
CALIBER/NEWREZ MORTGAGE
10.2020 - Current
- Conduct timely reviews of initial decisions and resubmissions, meeting critical deadlines, commitment dates, closing dates, and regulation guidelines
- Responsible for underwriting review of Jumbo, Fannie Mae, Freddie Mac, conforming, and non-conforming first and second mortgage packages
- Expertise in documentation review for purchase, new construction, HELOC, and refinance mortgages to administer decisions based on risk factors
- Thorough review and evaluation of all income types to determine debt-to-income ratios
- Full examination of loan documentation to ensure accuracy and completeness
Senior Mortgage Underwriter (remote)
PNC MORTGAGE
04.2018 - 09.2020
- Conduct timely reviews of initial decisions and resubmissions, meeting critical deadlines, commitment dates, closing dates, and regulation guidelines
- Expertise in documentation review for purchase, new construction, HELOC, and refinance mortgages to administer decisions based on risk factors
- Thorough review and evaluation of all income types to determine debt-to-income ratios
- Maintain consistent written and verbal working relationships with loan processors and sales daily
- Full examination of loan documentation to ensure accuracy and completeness
Senior Mortgage Underwriter (remote)
CITIZENS BANK
07.2004 - 06.2017
- Evaluation of complex business and personal tax returns and asset statements for high-net-worth clients
- Reviewed loans to ensure compliance with Fannie Mae, Freddie Mac, specific investor guidelines, and authenticity, eliminating risk of quality assurance audits and improving salability of loans to investors
- Analyzed credit reports by comparing client information to determine credit eligibility
- Determined ratio compliance through examining income documentation to determine borrowers’ financial resources and repayment ability
- Collaborated with team members about alternatives and documentation requirements, driving deal closures.
Senior Mortgage Loan Underwriter (remote)
PHH Mortgage Services
05.2000 - 06.2017
- Evaluation of complex business and personal tax returns and asset statements for high-net-worth clients
- Reviewed loans to ensure compliance with Fannie Mae, Freddie Mac, specific investor guidelines, and authenticity, eliminating risk of quality assurance audits and improving salability of loans to investors
- Analyzed credit reports by comparing client information to determine credit eligibility
- Determined ratio compliance through examining income documentation to determine borrowers’ financial resources and repayment ability
- Collaborated with team members about alternatives and documentation requirements, driving deal closures.
Education
Certification - Business / Computer
Cittone Institute
Mt. Laurel, NJHigh School Diploma -
Burlington County Vocational & Technical High School
Westampton, NJSkills
- Fannie Mae guidelines expertise
- Effective decision-making
- Proficient in financial analysis
- LTV assessment
- Loan underwriting expertise
- Tax return assessment
- Debt-to-income ratio analysis
- Assessment of credit risk
- Expertise in underwriting standards
- Collaborative teamwork
- Attention to detail
- Analytical problem-solving
- Proficient in handling multiple priorities
- Excellent communication
Timeline
Senior Mortgage Underwriter (remote)
CALIBER/NEWREZ MORTGAGE
10.2020 - Current
Senior Mortgage Underwriter (remote)
PNC MORTGAGE
04.2018 - 09.2020
Senior Mortgage Underwriter (remote)
CITIZENS BANK
07.2004 - 06.2017
Senior Mortgage Loan Underwriter (remote)
PHH Mortgage Services
05.2000 - 06.2017
Certification - Business / Computer
Cittone Institute
High School Diploma -
Burlington County Vocational & Technical High School
• Received recognition of excellence from management for “placing customers first”
Received recognition of excellence from management for placing customers first and for quality