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Olivia Rumley

@oliviarumley

Senior Underwriter at Legend Lending, evaluating complex mortgage files and ensuring compliance for secondary market salability.

United States

Message

At Legend Lending, I evaluate, underwrite, and approve complex mortgage files with loan production staff across branch locations. I also ensure compliance with agency standards to support loan salability on the secondary mortgage market.

Previously, as Chief Lending Officer at Appalachian Community FCU, I managed the credit union's lending teams and loan portfolio. I formed a Credit Union Service Organization partnership to establish a commercial lending channel and personally underwrote specialized portfolio products, including Non-QM loans and FTHB 100% Grant Programs.

Experience

Work history, roles, and key accomplishments

Current

Senior Underwriter

Current

Legend Lending

Jul 2026 - Present (2 months)

Partner with loan production staff across multiple states to evaluate, underwrite, and approve complex mortgage files. Ensure compliance with agency standards to maximize loan salability on the secondary market.

Mortgage Underwriting FHA Direct Endorsement VA SAR Secondary Markets Compliance Loan Production

Senior Underwriter – Secondary Market

First Farmers & Merchants Bank

Sep 2025 - Jul 2026 (10 months)

Served as designated MI, FHA DE, and VA SAR underwriter for secondary market mortgages. Spearheaded post-closing loan resale Quality Control for Freddie Mac and private investors, managing LQA audits to maintain zero-defect risk profiles.

FHA Direct Endorsement VA SAR Delegated MI Quality Control Freddie Mac LQA Secondary Markets

Chief Lending Officer (CLO)

Appalachian Community FCU

Oct 2022 - Sep 2025 (2 years 11 months)

Served as key member of Executive Management Team, steering strategic planning, loan portfolio management, and institutional risk assessment. Led Collections, Consumer Lending, and Mortgage Lending teams, and formed a CUSO partnership to establish a Commercial Lending Channel.

Executive Leadership Strategic Planning Loan Portfolio Management Risk Assessment CUSO Development Commercial Lending Non QM Underwriting FTHB Grant Programs