Experienced Mortgage Underwriter and Credit Risk Analyst with over 10 years of expertise in mortgage lending, credit analysis, and risk management. Skilled in evaluating residential and business lending scenarios, including Conventional and Non-QM loans, DSCR, bridge, construction, and fix-and-flip (ARV), as well as assessing complex income structures and financial profiles.
Proficient in analyzing financial statements, income documents, bank statements, and credit reports to determine borrower serviceability, repayment capacity, and overall risk. Adept at making informed approval, suspension, or decline decisions while ensuring compliance with AUS, investor, and regulatory or internal lending guidelines.
Experienced in assessing operational performance, market positioning, and financial stability to determine funding suitability. Capable of conducting thorough risk assessments, preparing detailed reports, and providing actionable insights to support lending and credit decisions. Strong background in collaborating with stakeholders to ensure accurate, timely, and compliant outcomes.
Highly proficient in tools and platforms including MS Office (Excel, Word), Encompass, FICO, Byte, ARIVE, Salesforce (including Financial Services Cloud), Experian PowerCurve, Velocify, Mercury, Zillow, AOL, and BaaS platforms such as Galileo.
Known for strong analytical thinking, attention to detail, effective communication, and the ability to deliver accurate, high-quality results in fast-paced, remote environments. Proven ability to support underwriting and credit decisions with data-driven insights and maintain high standards of compliance and performance.
