This document is a resume for Carol A. DePonio seeking a position as a Mortgage Underwriter or Post Closing Reviewer. It outlines her qualifications including over 14 years of experience originating, processing, and closing all types of mortgage loans. She has held underwriting positions at several banks and mortgage companies since 1986, specializing in FHA, VA, conventional, and other loan products. Her resume emphasizes her strong knowledge of various underwriting guidelines and systems, with lending authority up to $2.1 million.

1. Carol A. DePonio Cell # 586 381 5454
21608 Trombly
St. Clair Shores Mi. 48080 cdeponio@yahoo.com
OBJECTIVE
Mortgage Underwriter/Post Closing Review
HIGHLIGHTS OF QUALIFICATIONS
• Designated as HUD/FHA Direct Endorsement (DE) Underwriter and VA Automatic Underwriter – December
2004.
• Designated as VA LAPP Staff Appraisal Reviewer (SAR) January 2008.
• Solid knowledge of FHA and VA lending guidelines.
• Excellent analytical and decision making skills with complex and difficult loans.
• Average 50+ loans per month plus reviewing/clearing conditions
• Strong verbal and written communication skills.
• Over 14 years of originating, processing and closing all types of mortgage loans
EXPERIENCE
First Independence Bank, Clinton Twp. Mi. March 2015 to June 2016
• Underwriter for all Conventional, FHA and VA loan products
• Success in use of Mortgage Bot system/Avista
• Underwrite to Fannie, Freddie, FHA, VA, Wells Fargo and various otherinvestors
• Lending authority to $2,105,100
Urban Settlement Services LLC AKA Prodovis Mortgage Co April 2014 to August 2014
Corporate Underwriter
• In March 2014 BOFA sold/transferred entire Troy mortgage processing/underwriting site to Urban Lending. We
became contract underwriters for Bank of America employing same tools and guidelines and considered a
seamless transition.
Bank of America January 2012 to April 2014
Corporate Underwriter
• Reinstated FHA and VA designations underBank of America guides
• Success in use of BOFA proprietary systems (EDGE and Status Smart)
• Achieved Level 6 corporate underwriter designations for conforming, non-conforming and second
mortgage products.
• Lending authority to $2,105,100
Talmer Bank & Trust FKA First Michigan Bank, Troy Michigan November 2010 to December
2011

2. Mortgage Underwriter
• Underwriter for all RD, FHA, conforming and non-conforming conventional1st and 2nd mortgage products
• Success in use of FMB proprietary system, Encompass
• Underwrote to Fannie, Freddie, Chase, Wells Fargo and GMAC guidelines
• Lending authority to $2,105,100
CitiMortgage Inc, Ann Arbor Michigan October 2009 to November 2010
Mortgage Underwriter 3
• Success in use of Citi’s proprietary systems,Citiworks, Citrix LPM
• Underwriting authority up to $3.5M
• Underwriter for conforming and non-conforming conventionalproducts
• Worked remotely from home
Envoy Mortgage Company, Houston Texas February 2009 to July 2009
Mortgage Underwriter 2
• Underwriter for all Conventional, RD, FHA, Manufactured Homes and VA Mortgage products
• Analyzed and review all appraisals for compliance with the various products
• Use of automated underwriting systems:Calyx Point, Data Track and E-File
• Underwrote to Fannie, Freddie and Chase Bank guidelines
• Lending authority to $2,105,100
Lasalle Bank Midwest by Merger NKA Bank of America Troy Michigan
Senior Government Underwriter/Officer August 1986 to April 2008
• Reviewed and analyzed FHA, VA and Conventional mortgage loan applications
and supporting documentation for completeness,accuracy and to ensure compliance
with HUD, VA and bank guidelines.
• Underwrote endorsement quality FHA and VA loans and rendered a loan decision within established turn times
while maintaining consistent production levels.
• Analyzed government loan appraisals to provide compliance with FHA and VA guidelines and to ensure value
had been properly established through the market approach.
• Audited closed loan files to confirm documents had been properly executed at closing and resolved exceptions
and deficiencies
• Provided exemplary customer service and accurate information to loan origination staff concerning all
government loan products to increase their knowledge and loan volume.
• Underwrote conventionalloans to secondary market guidelines and met all production goals.
• Additional experience includes document preparation and closing coordinator for all types of mortgage loans.
• Assembled case binders for submission/insuring on both FHA and VA loans.
EDUCATION
Completed Residential Mortgage Lending and Real Estate Law 1 & 2 through Detroit College of Business,
Now known as Davenport College
Word 2007 class in 2009 Through Katy ISD, Katy Texas