Home loan Mortgage Underwriter

EVA MANSOUR

Darien, IL **********@*****.***

630-***-**** linkedin.com/in/eva-mansour-82404531b/

MORTGAGE UNDERWRITER

Results oriented Mortgage Underwriter with extensive expertise in analyzing, approving, and underwriting a wide range of complex residential loans, including Jumbo Non-Conforming and Conforming Loans. Demonstrated excellence in risk assessment, financial evaluation, and adherence to regulatory guidelines, consistently achieving 100% pass rates on quality inspections and top customer service ratings. Adept at managing high-volume loan pipelines, mentoring junior underwriters, and maintaining meticulous attention to detail. Proven track record of collaborating effectively with stakeholders to ensure accurate and timely loan processing, delivering superior customer service, and upholding the highest standards of quality and compliance in the mortgage industry.

KEY SKILLS

Mortgage Underwriting Risk Assessment Financial Analysis Regulatory Compliance Loan Documentation Quality Assurance Staff Leadership CORE Empower Encompass MSP Microsoft Office Suite (Word, Excel, PowerPoint, and Outlook) ACT

PROFESSIONAL EXPERIENCE

Wells Fargo Home Mortgage, Remote, IL 10/2012 - Present

Mortgage Underwriter II (Jumbo Non-Conforming Loans), 03/2019 - Present

Review, analyze, approve, and underwrite difficult, complex individual consumer loans and products within company and industry guidelines. Analyze loan risk and request additional information from the borrower as necessary. Document any loan conditions and verifying loan applications, evaluating financial risks, and making final decisions on eligibility for applicants.

Consistently passed each Quarterly Quality Inspection Service Audit, with 100% pass results for all Quality Inspection Service Full Credit Review.

Received 100% on all customer surveys in 2022 and 2023 and awarded the Top Customer Service Award in the entire Non-Confirming Department.

Lead training to all new underwriting staff including mentoring lower-level underwriters on credit decisioning, department procedures and policies and guidelines.

Comprehensive understanding of Jumbo Non-Conforming Loans and Non-QM Loans.

Detail-oriented with strong data analytics skills.

Manage a high-volume pipeline of loans, prioritizing workload to meet tight deadlines while maintaining quality and accuracy in underwriting decisions.

Collaborate effectively with loan officers, borrowers and all required stakeholders throughout the underwriting process.

Senior Mortgage Underwriter III (Conforming Loans), 10/2012 - 03/2019

Underwrote conforming loans and understanding of complex underwriting data and trends.

Provided excellent customer service to the sales channel network through professional written and verbal communication and teamwork, receiving 100% customer service feedback surveys.

Evaluated debt ratio, loan-to-value ratio, property valuation as well as other factors to determine creditworthiness.

Analyzed and reviewed the file for accuracy, thoroughness, and completeness.

Assured closing process was filed within twenty-five days or less.

Eva Mansour **********@*****.*** Page 2

Fairway Wholesale Lending, Naperville, IL 03/2012 - 09/2012

Mortgage Underwriter

Underwrote residential loans, ensuring compliance with appropriate company and secondary market investor standards.

Determined whether any inconsistencies may be indicative of potential mortgage fraud.

Implemented changing overlays to ensure quality files met Interbank, investor, FNMA, and FHA guidelines.

Reviewed and analyzed complex personal and corporate tax returns and completing the FNMA 1084.

Collaborated with loan originators to secure all required documents, working with more senior underwriters on loan exceptions.

MetLife Home Loans, Itasca, IL 10/2011 - 03/2012

Mortgage Underwriter

Oversaw for residential loans, ensuring compliance with applicable state and federal regulations, Investor guideline and corporate standards.

Collaborated with team members to audit loan documentation for accuracy and completeness, ensuring all required documents were current and verifying files to prevent fraud.

ADDITIONAL PROFESSIONAL EXPERIENCE

Bank of America Home Loans, Westmont, IL

Mortgage Underwriter

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