JMj'naei Martin
@jnaeimartin
Detail-oriented underwriting professional with expertise in mortgage operations.
United StatesWhat I'm looking for
With over 7 years of experience in mortgage operations, I am a detail-oriented underwriting and auditing professional. My career has been marked by a proven track record in improving loan quality, identifying fraud and AML risks, and ensuring compliance with regulatory standards. I possess strong analytical and communication skills, which have been essential in my roles across various organizations.
Currently, I work as an Underwriter at UWM, where I assess risk and determine loan eligibility while maintaining outstanding client service. Previously, I served as a Collateral Underwriter at Rocket Mortgage, where I reviewed customer loans and ensured compliance with internal policies and federal regulations. My experience also includes conducting audits and leading process improvements, which have contributed to timely and accurate loan closings.
Experience
Work history, roles, and key accomplishments
Underwriter II
UWM
Jun 2024 - Present (1 year 1 month)
Underwrote mortgage loans to assess risk and determine loan eligibility. Communicated updates concerning the loan process with brokers and processors, responding to emails and condition requests in a timely and professional manner.
Collateral Underwriter
Rocket Mortgage
Jul 2020 - Present (5 years)
Reviewed and underwrote customer loans, analyzing risk and borrower creditworthiness while ensuring compliance with internal policies, insurer programs, and federal regulations. Identified and reported AML and fraud risks in accordance with company protocols.
Lender Client Auditor
Title Source
Feb 2018 - Present (7 years 5 months)
Conducted detailed audits of mortgage files to verify borrower income, assets, and documentation, submitting files for final underwriting approval to facilitate accurate and timely closings. Led team meetings and developed process documentation.
CEMA Auditor
Title Source
Aug 2016 - Present (8 years 11 months)
Executed operational audits and risk-based reviews of closing packages. Assembled and returned compliant CEMA packages to clients post-closing.
Capture Specialist
Chase (JPMorgan)
Nov 2015 - Present (9 years 8 months)
Assessed and ensured accuracy of closing packages in compliance with internal standards. Communicated discrepancies with analysts and proposed process improvements.
Education
Degrees, certifications, and relevant coursework
OUOakland University
Associate Degree in Applied Science, Applied Science
Completed an Associate Degree in Applied Science at Oakland University.
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Job categories
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