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phyllis Lewis

@phyllislewis

Senior underwriter at Rate INC. underwriting VA, FHA, USDA, and conventional loans with DE and SAR credentials.

United States
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At Rate INC., I underwrite VA, FHA, USDA, and conventional loans. I hold DE and SAR credentials.

Previously, I underwrote loans at AmeriFirst Financial Corp and Union Home Mortgage, Golden Empire Mortgage, CrossCountry Mortgage, CMG Mortgage INC., and Caliber Home Loans. My work included government loan underwriting and, at Caliber Home Loans, examining and clearing loans for government insuring.

At Guild Mortgage, I trained underwriters on the underwriting system and worked in the Correspondent Lending Division. Earlier, at Suntrust, I underwrote and approved government transactions and held signing authority to 1.5 million.

Experience

Work history, roles, and key accomplishments

CM

Sr. Underwriter Retail

CrossCountry Mortgage

Sep 2018 - Dec 2019 (1 year 3 months)

Underwrote all types of loans including VA, FHA, USDA, and Conventional. Developed and maintained relationships with brokers, account executives, and UW management, and offered expert assistance in structuring loan transactions to meet investor guidelines.

CI

Sr. Underwriter Wholesale Division

CMG Mortgage Inc.

May 2017 - Jun 2018 (1 year 1 month)

Underwrote all types of loans including VA, FHA, USDA, and Conventional. Developed and maintained relationships with brokers, account executives, and UW management, and offered expert assistance in structuring loan transactions to meet investor guidelines.

CL

Sr. Underwriter Wholesale Division

Caliber Home Loans

Nov 2011 - May 2017 (5 years 6 months)

Underwrote all types of loans including VA, FHA, USDA, and Conventional. Held Second Review Authority and Correspondent Underwriter roles, developed relationships with brokers and account executives, and examined and cleared loans for government insuring.

GM

Sr. Underwriter Wholesale & Correspondent Division

Guild Mortgage

Sep 2008 - Nov 2011 (3 years 2 months)

Senior Underwriter exclusively for VA and FHA, with DE/SAR certification and experience with USDA and CHAFA. Trained underwriters on the underwriting system and underwrote for the Correspondent Lending Division.

SU

Sr. Lead Underwriter Wholesale Division

Suntrust

Sep 2007 - Sep 2008 (1 year)

Senior Lead Underwriter for all types of VA and FHA loans with DE/SAR credentials. Had signing authority up to $1.5 million and underwrote and approved all government transactions from submission to funding.

Education

Degrees, certifications, and relevant coursework

University of Texas at Austin logoUA

University of Texas at Austin

Bachelor of Science, Education/Special Education

Bachelor of Science in Education with a focus on Special Education.

Tech stack

Software and tools used professionally

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