# Tamala Backus

Tamala Backus is a remote worker on Himalayas, Due Diligence Underwriter & Data Analyst at Essent Guaranty / GOOI Mortgage, based in United States.

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

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

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | United States |
| Authorized to work in | United States |
| Salary expectations | 68k+ USD |
| Job categories | Mortgage Underwriter, Due Diligence Underwriter, Loan Officer, Data Analyst |
| Skills | Residential Mortgage Underwriting, Post Closing, Loan Quality Control, Risk Assessment, Investor Guidelines, FNMA, FHLMC, FHA Guidelines, Conventional Loans, Loan Review, Mortgage Insurance, Income Analysis, Self Employment Income Analysis, 1099 Income Analysis, Tax Return Analysis |

## About

```text
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

### Due Diligence Underwriter & Data Analyst

Essent Guaranty / GOOI Mortgage. Aug 2023 - Jun 2026

```text
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.
```

Skills: Mortgage-Underwriting, Due-Diligence, Risk-Assessment, Desktop-Underwriter, Loan-Product-Advisor, FNMA, FHLMC, Conventional, FHA, Non-Qualified-Mortgage-(Non-QM), Tax-Return-Analysis, Credit-Analysis, Collateral-And-Title-Review, Data-Analysis, Reporting

### Mortgage Underwriter

Rapid Mortgage. Feb 2021 - May 2022

```text
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.
```

Skills: Mortgage-Underwriting, Conventional, FHA, Income-Analysis, Credit-Analysis, Collateral-And-Title-Review, Risk-Assessment, Documentation-Review, Communication-Skills

### Mortgage Underwriter

AMC Mortgage Services. Jul 2018 - Nov 2020

```text
Underwrote mortgage insurance and residential mortgage files in accordance with FHA, FNMA, FHLMC, HARP, and Conventional requirements. Reviewed borrower credit, income, assets, liabilities, and collateral, and issued mortgage insurance certifications.
```

Skills: Mortgage-Underwriting, FHA, FNMA, FHLMC, HARP, Conventional, Credit-Analysis, Income-Analysis, Collateral-And-Title-Review, Mortgage-Insurance, Communication-Skills

### Loan Officer

Realty Unlimited. Feb 2008 - May 2017

```text
Originated residential mortgage applications and guided borrowers through the loan process from initial inquiry to closing. Collected and reviewed borrower financial information and coordinated with processors, underwriters, and title companies to move applications forward.
```

Skills: Loan-Origination, Mortgage-Products, Financial-Analysis, Customer-Service, Communication-Skills, Documentation-Review

## Education

### Hazelwood Central High School

High School Diploma, General Studies

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

## Tech stack

- SAS
- Microsoft Excel
- Microsoft Office

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

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