Lynne Johnson

214-384-4527
Lynne_johnson@sbcglobal.net
North Richland Hills, TX
https://www.linkedin.com/in/lynne-johnson-a3225a78/

Summary:
Seasoned DE Underwriter with 30+ years of experience in Mortgage Banking including 15+ years of
origination experience. Currently hold FHA Direct Endorsement. Expertise in underwriting and reviewing
FHA/VA, Conventional Loans, Self Employed, Bonds, Jumbo Loans, DU, LP, FNMA/FHMC and manual
underwriting. Focused on creatively closing loans and executing within guidelines.
Skills/Courses:

 MBNA Mortgage Loan Underwriting  DU

Correspondence Course LP
 FNMA/FHLMC  Self Employed
 Fraud & Credit  Manual Underwriting
 FHA/VA

Career Highlights:
 Professionally recognized for speed, accuracy, and ability to prevent fraud. Recent Lending
authority of $700k.
Professional Experience:
DE/Conventional Senior Underwriter 5/2017 –1/2018
Pacific Union Financial
 Underwrote Conventional, FHA, Jumbo, Neighborhood Advantage, to Pacific Union, Fannie and
Freddie Mac guidelines.
 Successfully completed up to 4-6 initials daily with a 24 hours CTC review and 48 hours for resub
review.
 Trusted with lending authority of $700k.
 Performed at 100% to metrics and quality scores.
 Post-purchase reviews of delegated files as needed.
 Experience with various income sources from wage earners, self-employed (1120s, 1065, etc.),
seasonal and rental income to qualify borrowers for loan productions.
 Provide coaching and guidance to processors, LO’s and Underwriters.
 Perform fraud prevention duties on all loans through Fraud Guard and Lexis Nexus.

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 Lynne Johnson
214-384-4527
Lynne_johnson@sbcglobal.net
North Richland Hills, TX
https://www.linkedin.com/in/lynne-johnson-a3225a78/

Professional Experience (Continued):

DE/Conventional Underwriter 7/2015 – 2/2017

IMORTGAGE
 Successfully Underwrite 5 loan daily in a very fast paced environment within 24hr CTC and 48hr
resubs.
 Review/analyze loan files submitted for borrowers to ensure file meets loan program
requirements DU and LP.
 Individual analysis of: loan application 1003, credit report(s), debt and assets, income/financial
statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting
documentation.
 Analyze all areas of the mortgage loan application; including credit, income, assets, collateral,
and compliance documents to ensure loan meets company, investor and regulatory guidelines.
 Evaluate Fraud guard findings and condition the loan accordingly.
 Maintained a monthly pipeline of 80-100 loans per month with a 97% accuracy rate on quality.
 Perform detailed reviews in accordance with Company Policy, FANNIE and FREDDIE policies,
procedures, guidelines and regulations.
 Underwriting of Conforming and Non-Conforming products for Satellite or Client Offices.
 Provided ongoing training to processors and loan officers.
Customer Service for DIL Department 9/2014 – 7/2015
Stewart Title

 Recording of Deed in Lieu of Foreclosure document for properties going through the foreclosure
process.
 Met or exceeded SLA’s for client and customer contact.
QA Underwriter 11/2009 – 4/2014
Citigroup
 Underwrite 4-5 loans daily meeting 100% of goal. Met SLA’s of 24hr CTC and 48hr resubs.
 Reviewed / Re-Underwrite pre-funded and post-closing FHA/Conventional files for credit quality,
data integrity and adherence to CMI credit policy and investor guidelines.
 Provided feedback/recommendations via written management summaries on all loans
reviewed.
 Identified training needs and provide detailed analysis on any trend identified.
 Interfaced directly with all level of internal origination and credit policy staff, as well as external
customers (correspondent lenders) to maintain superior customer service while ensuring the
quality/integrity of loans purchased/underwritten for CMI.
 Identified and documented policy/process variations and worked with Operations to provide
both written and verbal feedback and training/mentoring opportunities as needed.
 Assessed the level of risk associated with each loan on transactional basis, forwarding referrals,
as necessary, to the Fraud Prevention and Investigation Unit, Vendor or Collateral Risk
Management, as well as the Repurchase Unit.

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