Open to opportunities

Rhonda Struman

@rhondastruman

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Senior mortgage underwriter specializing in quality control, due diligence, and complex loan review.

United States

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What I'm looking for

I am seeking senior underwriting or quality-control roles where I can apply deep loan-review expertise, improve QA processes, and handle complex files efficiently in a compliance-focused team.

I am a senior mortgage underwriter with extensive experience in underwriting, quality control, and due diligence across conventional, VA, FHA, correspondent, wholesale, and non-QM loan products. I consistently meet demanding SLAs, perform detailed reviews of application, credit, income (including self-employed borrowers), assets, title, tax returns and appraisals, and document findings such as fraud or misrepresentation for legal review.

I have held front-line and senior underwriting roles at multiple mortgage services and quality-control firms, leveraging AUS systems (DU/LP), manual decisioning authority, and strong analytical skills to clear conditions quickly and improve processes. I am detail-oriented, client-facing when required, and focused on preserving quality assurance and compliance while managing high-volume workloads.

Experience

Work history, roles, and key accomplishments

Current

Due Diligence Underwriter

Current

Consolidated Analytics

May 2024 - Present (1 year 9 months)

Underwrite various loan products (Non-QM) by reviewing application, credit, income, assets, title, tax returns and appraisals; identify fraud/misrepresentation findings and escalate to legal, ensuring guideline compliance.

Underwriting Credit Analysis Fraud Detection Appraisal Review Title Review

Current

Forensic Underwriter

Current

The Oakleaf Group

Jun 2023 - Present (2 years 8 months)

Re-underwrite loan files across product types to validate application, credit, income, assets, title and appraisals; document mortgage fraud and misrepresentation and coordinate findings with legal.

Quality Control Fraud Investigation Credit Analysis Appraisal Review Title Review

Senior Underwriter

LoanDepot

Oct 2019 - Apr 2022 (2 years 6 months)

Front-line senior underwriter for Conventional, HomeReady and High Balance products; reviewed income (including self-employed), credit, appraisal, assets and title, meeting SLA of 3 new files daily and clearing conditions within 24 hours.

Underwriting Credit Analysis Appraisal Review Title Review SLA Condition Management

Senior Underwriter

HCL

Jun 2018 - Oct 2019 (1 year 4 months)

Third-party servicer front-line underwriter handling Conventional, HomeReady and High Balance products; reviewed income, credit, appraisal, assets and title while meeting SLAs and using AUS systems.

Credit & Income Analysis Appraisal Review Title Review SLA Quality Control

Quality Control Credit Analyst

Clayton Holdings

Nov 2017 - Dec 2017 (1 month)

Provided QC research and feedback on mortgage servicing data points, reviewed HUDs, closing disclosures, notes and income, and delivered QC feedback to peers to ensure data accuracy and compliance.

Quality Control Mortgage Servicing HUD Data Verification QC Reviews Regulatory Compliance

Senior Underwriter

Genpact Mortgage Services

Nov 2015 - Sep 2017 (1 year 10 months)

Reviewed full loan files (application, income, assets, title, appraisal), managed SLAs by reviewing 3+ new files daily and clearing conditions within 24 hours, handled complex self-employed borrower scenarios and updated policies/processes.

SLA Management Appraisal Review Title Review

Quality Control Analyst

Kroll Factual Data

Dec 2014 - Feb 2015 (2 months)

Performed QC underwriting for Conventional, VA and FHA loans including appraisal reviews, self-employed income analysis and DU/LP findings to maintain high accuracy and quality assurance.

VA FHA Conventional Appraisal Review Credit Package Review Quality Assurance

Quality Control Analyst

LoanDepot

Jun 2014 - Oct 2014 (4 months)

Conducted quality control underwriting for Conventional, VA and FHA loans, coordinated with docs and funding, reviewed credit packages and DU/LP findings to ensure accuracy prior to closing.

Quality Control Appraisal Review Credit Package Review Doc & Funding Coordination Quality Assurance

Senior Underwriter

Urban Lending Solutions

Jan 2013 - Jan 2014 (1 year)

Underwrote conforming and non-conforming loans with full-document reviews and manual underwriting, performed appraisal and self-employed income analyses and ensured high accuracy and QA standards.

Conforming & Non Conforming Underwriting Appraisal Review Quality Assurance

Correspondent Lender QC

Mount Olympus Mortgage

Oct 2010 - Jan 2013 (2 years 3 months)

Performed quality control and due diligence for correspondent loans by reviewing full credit packages, adding/correcting conditions prior to closing and preparing loan packages for docs.

Correspondent QC Due Diligence Credit Package Review Condition Management Loan Documentation Quality Assurance