# Thanh Nguyen

Thanh Nguyen is a remote worker on Himalayas, Government Underwriter at Onity Group Inc, based in United States.

Source: https://himalayas.app/@thanhnguyen7

```text
Mortgage underwriter at Onity Group Inc, reviewing government loan files for investor compliance and saleability.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | United States |
| Authorized to work in | United States |
| Salary expectations | 85k+ USD |
| Job categories | Mortgage Underwriter, Underwriting Team Lead, Loss Mitigation Manager |
| Skills | Mortgage Underwriting, Government Underwriting, Conventional Mortgage Underwriting, Correspondent Lending, Loan File Review, Credit Analysis, Income Analysis, Collateral And Title Review, Mortgage Compliance, FHA DE Certification, Desktop Underwriter, Loan Prospector Advisor, Condo Project Manager, Encompass, Automated Underwriting |

## What I'm looking for

```text
I’m seeking a role where I can apply my mortgage lending and operations experience, including underwriting and team management.
```

## About

```text
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

### Government Underwriter

Onity Group Inc. Jan 2026 - Nov 2026

```text
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.
```

Skills: Encompass, Automated-Underwriting, FHA, DU-LP, LPA, Income-Analysis, Collateral-And-Title-Review, Credit-Analysis, Mortgage-Lending, Underwriting

### Underwriter II

[Mr Cooper](https://himalayas.app/companies/mr-cooper). Aug 2020 - Jan 2026

```text
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.
```

Skills: DU-LP, LPA, FNMA, FHLMC, Loan-Operating-System, Automated-Underwriting, FHA, Underwriting, Mortgage-Lending

### Home Mortgage Underwriting Team Lead

[Citizens Bank NA](https://himalayas.app/companies/citizens). Jan 2015 - Jun 2020

```text
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.
```

Skills: Team-Leadership, Pipeline-Management, Underwriting, Correspondent-Lending, Process-Improvement, Training, Reporting

### Prior to Approval Correspondent Underwriter

Franklin American Mortgage Company. Sep 2012 - Jan 2015

```text
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.
```

Skills: DU-LP, LPA, FNMA, FHLMC, Condo-Project-Manager, Income-Analysis, Credit-Analysis, Collateral-And-Title-Review, Underwriting

### Loss Mitigations Team Lead

[Bank of America](https://himalayas.app/companies/bank-of-america). Jan 2008 - Sep 2012

```text
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.
```

Skills: Team-Leadership, Loss-Mitigation, HAMP, FHA, Workflow-Management, Underwriting

### New Car Sales Manager

Vandergriff Honda. Jan 2003 - Jan 2008

```text
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.
```

Skills: Sales-Management, Team-Leadership, Training, Customer-Service

## Education

### Berkner High School

High School Diploma, General Studies

```text
Completed general studies at Berkner High School in 1998.
```

## Tech stack

- Microsoft Office

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

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