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Tamala Backus

@tamalabackus

Mortgage underwriter at ESSENT GUARANTY / GOOI MORTGAGE who reviewed loan quality, borrower eligibility, and investor guideline compliance.

United States
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At ESSENT GUARANTY / GOOI MORTGAGE, I performed post-closing mortgage due diligence reviews, checking closed loan files for documentation accuracy, borrower eligibility, and agency and investor requirements.

I analyzed borrower financial documentation, including tax returns, pay statements, bank statements, and credit reports. I identified deficiencies and potential guideline exceptions, then documented findings for review and resolution.

At RAPID MORTGAGE, I evaluated residential mortgage eligibility against applicable guidelines and rendered underwriting decisions. I reviewed outstanding conditions and worked with processors, loan officers, and third-party vendors to resolve file issues.

Earlier, at AMC MORTGAGE SERVICES, I underwrote mortgage insurance and residential mortgage files and issued mortgage insurance certifications. At REALTY UNLIMITED, I originated residential mortgage applications and guided borrowers through processing and closing.

Experience

Work history, roles, and key accomplishments

EM

Due Diligence Underwriter & Data Analyst

Essent Guaranty / GOOI Mortgage

Aug 2023 - Jun 2026 (2 years 10 months)

Performed post-closing mortgage due diligence reviews, assessing closed loan files for documentation accuracy and compliance with agency and investor requirements. Analyzed borrower credit, income, assets, and liabilities, and prepared loan-level risk assessment reports.

RM

Mortgage Underwriter

Rapid Mortgage

Feb 2021 - May 2022 (1 year 3 months)

Evaluated residential mortgage loan eligibility by analyzing borrower income, assets, liabilities, credit, and collateral against agency and investor guidelines. Rendered underwriting decisions, reviewed conditions, and communicated documentation requirements to support loan approval and closing.

Education

Degrees, certifications, and relevant coursework

HS

Hazelwood Central High School

High School Diploma, General Studies

Completed high school education at Hazelwood Central High School in Florissant, Missouri.

Tech stack

Software and tools used professionally

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