Western Mortgage Case Study

Decent Essays
11-8 KC Christina began her Mortgage career in 2006 as a Processor for Great Western Mortgage. Christina is a seasoned underwriter with 8 years of experience. Christina has experience with Fannie and Freddie and conforming and jumbo loans, She has a full understanding of the complexity of the guidelines for Jumbo, with signing authority up to 1.5 million signing authority. Christina has worked on VA, FHA. Clearing all conditions and reviewing all income documentations and tax returns. She was hired on as a remote underwriter and DE certification training promised in the contract, when she started with Toll Brothers. She currently travels a 2 hour commute, and no certification has been mentioned, she has concerns about broken promises.…show more content…
She is one of 18 Underwriters in her current role supporting loan officers across the country, she receives loans from multiple states in her pipeline, they are not organized per region. Christina has worked on teams assigned to specific regions and supporting a Loan Officer group up to 18 LO's. She is confident in her communication and doing whatever it takes to it done. Christina has worked with many investors in her career and has a strong understanding of the guidelines and where to go to pull guidelines per state or investor. She likes the complexity and detail work of a Jumbo loan, and new construction products, touching file about 3-5 times before signing off to closing. Christina works closely with the loan officers and the processors to clear all conditions in an efficient time frame, Being with a builder now she doesn't have a true turn time. She receives the loan 2-3 times with delegated authority with different lenders. Before joining Toll Brothers, Christina spent 3 years with Wells Fargo as a Sr Loan Underwriter. Her experience reviewing the income and tax paperwork helped her work on the Income Analysis Team. Christina's ability to handle and Adhere to investor guidelines made her an assist in the Analysis team in examining transactions and debt ratios to modify risk. Christina has strong communication and provides a level of underwriting expertise and professionalism to customers and internal
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