Thanh Nguyen
@thanhnguyen7
Mortgage underwriter at Onity Group Inc, reviewing government loan files for investor compliance and saleability.
United StatesWhat I'm looking for
At Onity Group Inc, I review government loan files for compliance with company and investor guidelines. My work includes analyzing credit, income, and collateral and checking calculations and data integrity in Encompass and Automated Underwriting Systems.
I previously worked as an Underwriter II at Mr Cooper, handling initial underwrites, condition reviews, and loan decisions. I was a two-time Top UW trip winner, recognized for efficiency, cycle time, and a defect rate below 2%.
At CITIZENS BANK NA, FORMERLY FRANKLIN AMERICAN MORTGAGE COMPANY, I managed a team of 6–8 Conventional Correspondent Underwriters. I also supported complex loan reviews and helped update processes to streamline review times.
Earlier, I managed Loss Mitigation Underwriters at BANK OF AMERICA and sales associates at VANDERGRIFF HONDA. I’m FHA DE certified and bilingual in Vietnamese and English.
Experience
Work history, roles, and key accomplishments
Government Underwriter
Onity Group Inc
Jan 2026 - Nov 2026 (10 months)
Responsible for thorough analysis of loan files to ensure compliance with company and investor guidelines. Underwrites complete credit packages, income documents, and collateral to ensure quality loan products.
Responsible for initial underwrites, condition reviews, and loan decisions to meet agency guidelines and company risk standards. Communicates directly with loan processors to help get loans to approved status.
Managed a team of 6-8 Conventional Correspondent Underwriters to ensure daily production requirements and customer service standards are met. Acted as point of contact for Correspondent Lenders and handled complex or escalated files.
Prior to Approval Correspondent Underwriter
Franklin American Mortgage Company
Sep 2012 - Jan 2015 (2 years 4 months)
Responsible for initial underwrites, condition reviews, and loan decisions to meet agency guidelines and company risk standards. Analyzed correspondent loans from delegated and non-delegated lenders.
Managed a team of 15-20 Loss Mitigation Underwriters and daily workflow to ensure production quotas are met. Second signed HAMP, FHA, VA, and in-house modifications.
New Car Sales Manager
Vandergriff Honda
Jan 2003 - Jan 2008 (5 years)
Managed a team of 20-25 Sales Associates and worked new car deals with the sales team to ensure monthly sales numbers are achieved. Trained assistant managers, sales team, and finance managers.
Education
Degrees, certifications, and relevant coursework
Berkner High School
High School Diploma, General Studies
Completed general studies at Berkner High School in 1998.
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Salary expectations
Skills
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