# Olivia Rumley

Olivia Rumley is a remote worker on Himalayas, Senior Underwriter at Legend Lending, based in United States.

Source: https://himalayas.app/@oliviarumley

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

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | United States |
| Authorized to work in | United States |
| Salary expectations | 115k+ USD |
| Job categories | Mortgage Underwriter |
| Skills | Mortgage Underwriting, FHA Direct Endorsement, VA SAR, Delegated Mortgage Insurance, Non QM Underwriting, Secondary Market Compliance, Loan Quality Control, Loan Portfolio Management, Commercial Lending, Cash Flow Analysis, Liquidity Assessment, FTHB 100% Grant Programs, Portfolio Product Mortgages, Strategic Planning, Credit Union Service Organization Development |

## About

```text
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

### Senior Underwriter (current)

Legend Lending. Jul 2026 - Present

```text
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.
```

Skills: Mortgage-Underwriting, FHA-Direct-Endorsement, VA-SAR, Secondary-Markets, Compliance, Loan-Production

### Senior Underwriter – Secondary Market

First Farmers & Merchants Bank. Sep 2025 - Jul 2026

```text
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.
```

Skills: 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

```text
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.
```

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

## Education

### Sullivan East High School

Diploma, General Studies

```text
Completed high school education and earned a diploma.
```

## Tech stack

- Microsoft Office 365

To contact Olivia, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

## People also viewed

- [Kenneth Alton](https://himalayas.app/@kennethalton): Credit Analyst/Mortgage Underwriter, First American Bank
- [Scott Komich](https://himalayas.app/@scottkomich): Transaction Manager / Production Analyst, Colliers Mortgage
- [Michelle Juffe](https://himalayas.app/@michellejuffe): Vice President Underwriting, LoanHouse TPO
- [Nitashia Harris](https://himalayas.app/@nitashiaharris): Mortgage Loan Originator, NEXA Mortgage
- [phyllis Lewis](https://himalayas.app/@phyllislewis): Underwriter, Rate Inc.
- [Christopher Abernathy](https://himalayas.app/@christopherabernathy): AVP, Senior Underwriter, Morgan Stanley
- [Crystal Means](https://himalayas.app/@crystalmeans): Mortgage Collections & Default Servicing, State Employees' Credit Union
- [Sarah Thibodeau](https://himalayas.app/@sarahthibodeau): VP, Mortgage Lending, Heritage Family Credit Union
- [Dawn Turner](https://himalayas.app/@dawnturner): Wholesale Underwriting Manager, Newrez
- [Donnie Moss](https://himalayas.app/@donniemoss): Senior Mortgage Underwriter, Willow Bend Mortgage