Cathy Wimbley

  • Riverview FL

Mortgage Underwritter

Summary

I am currently seeking an Mortgage /Underwriting position in a fast paced environment that compliments my education and work experiences, while challenging my ability to effectively produce.

Work History

Work History
May 2014 - Present

Underwriter

Clayton Holdings, LLC.
  • Front line underwriting, AUS, Portfolio and manual underwriting for risk analysis and compliance with agency and investor guidelines.
  • Highly knowledgeable in FNMA/FHMLC, VA IRRLS and Jumbo loans. Rendering decisions within appropriate timeframe and meeting quantity and quality standards while applying best underwriting practices.
  • Perform VA and Securitization/due diligence review and verify loan meets investor’s guidelines.
  • Credit and compliance review by re-calculating LTV, CLTV, income, liabilities and DTI.
  • Verify the Borrower’s ability & willingness to repay the loan has been demonstrated.
Nov 2013 - Apr 2014

Contract Underwriter

AmeriNational Community Services
  • Review and make sound decision on eligibility for Florida housing “Hardest Hit Florida” (HHF) program.
  • Communicated as needed with sales management,processors credit risk and customers.
Jan 2013 - Oct 2013

Sr Mortgage Underwriter

Fifth Third Bank Wholesale Mortgage
  • AUS and manual underwriting for risk analysis and compliance with agency and investor guidelines.
  • Highly knowledgeable in FNMA/FHMLC, VA IRRLs and Jumbo loans. Rendering decisions within appropriate timeframe and meeting quantity and quality standards while applying best underwriting practices.
  • Communicated with Loan Officers/Brokers and Processors to aid in resolving mortgage application conditions and issues.
Jan 2007 - Dec 2012

1st Mortgage/Home Equity, Sr. Mortgage Underwriter

Bank of America
  • Made sound underwriting final decisions on Home Equity Line of Credit and Home Equity loans while applying due diligence in calculating, analyzing credit, complex income and collateral.
  • Researched and recognized potential fraud while enforcing bank guidelines, policies and core values.

Education

Education
1983 - 1983

Diploma Certificate

SCS Business School


1983 - 1983

Diploma Certificate

Julia Richmond High School