Rhonda Struman

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Bachelor's degree with coursework in Psychology and Sociology.