Sara Stevens
Oro Valley,AZ
Summary
- Underwriting, compliance, internal audit and risk assessment methodology expert
- Operations trainer
- Excellent reputation for resolving problems
- Organized and dependable
- Successful at managing multiple priorities with a positive attitude
- Demonstrates excellent communication and good judgement
Overview
13
13
years of professional experience
1
1
Certification
2
2
years of post-secondary education
Work History
Credit Help Desk DE Underwriter
Reverse Mortgage Funding LLC
12.2020 - 11.2022
- Worked across underwriting authority and exception levels.
- Upheld fair lending practices and met targets for productivity, quality and customer satisfaction.
- Proactively identified solutions for customers experiencing credit issues
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity
- Examined credit, income and asset documents and reviewed title policy and appraisals.
- Answered a minimum of 60 scenarios and income reviews daily
DE Underwriter
American Advisors Group
06.2020 - 11.2020
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Followed through with loan processors, loan originators and managed all phases of underwriting process.
Internal Audit Manager/Mortgage Underwriter
Union Home Mortgage Corporation
04.2016 - 04.2020
- Conducted strategic and technical reviews to verify compliance with quality control standards, schedule constraints and budget parameters.
- Trained and mentored department staff on policies and procedures to establish strong foundation for client development and service activities.
- Facilitated internal audits and prepared detailed reports on findings.
- Recommended changes to management regarding financial operations.
- Gathered and analyzed financial data to determine improvement efforts.
- Analyzed accounting systems for efficiency and effectiveness.
- Developed the first risk assessment methodology for the company
Underwriter II/Processing Trainer
Waterstone Mortgage Corporation
08.2012 - 11.2015
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
Loan Originator/Loan Processor/Due Diligence
GSF Mortgage Corporation
06.2009 - 05.2012
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Developed first training manual
Education
Bachelor of Science - Accounting
Southern New Hampshire University
Hooksett, NH 01.2021 - 05.2023
Skills
- Underwriting Guidelines and Processes
- Lexis Nexus Software
- Debt Ratios
- Automated Underwriting Systems
- Customer Relations
- Creditworthiness Determination
- Application Reviews
- Federal Statutes
- Program Requirements
- Government Standards
- Loan Portfolio Monitoring
- Property Evaluation
Certification
Chums ID (HN46) 2013
Loan Origination License 2003
Real Estate License 1998
Timeline
Bachelor of Science - Accounting
Southern New Hampshire University
01.2021 - 05.2023
Credit Help Desk DE Underwriter
Reverse Mortgage Funding LLC
12.2020 - 11.2022
DE Underwriter
American Advisors Group
06.2020 - 11.2020
Internal Audit Manager/Mortgage Underwriter
Union Home Mortgage Corporation
04.2016 - 04.2020
Underwriter II/Processing Trainer
Waterstone Mortgage Corporation
08.2012 - 11.2015
Loan Originator/Loan Processor/Due Diligence
GSF Mortgage Corporation
06.2009 - 05.2012
Similar Profiles
Jaime EscalicasJaime Escalicas
Consumer Direct Sales Assistant at Reverse Mortgage Funding, LLC.Consumer Direct Sales Assistant at Reverse Mortgage Funding, LLC.
Maria A VillanuevaMaria A Villanueva
Senior Loan Closer Funder (Remote) at Reverse Mortgage Funding, LLCSenior Loan Closer Funder (Remote) at Reverse Mortgage Funding, LLC
Robert SchneiderRobert Schneider
Loan Officer at Finance of America MortgageLoan Officer at Finance of America Mortgage
William PikeWilliam Pike
MESA Coordinator at University of ArizonaMESA Coordinator at University of Arizona
Jignya PatelJignya Patel
Director of Finance at Tucson Airport AuthorityDirector of Finance at Tucson Airport Authority