ARVIETTE COFIELD
Baltimore,MD
Summary
Results-driven Loan Underwriter and Credit Analyst with over 20 years of expertise in underwriting, loan servicing, credit evaluation, quality control, and borrower support across diverse loan programs, including FHA, VA, USDA, Conventional, Portfolio, Jumbo, and SBA. Strong analytical skills supported by a comprehensive background in reviewing loan files, financial statements, credit instruments, collateral, and regulatory documentation. Proven experience in supporting SBA Disaster Loan operations through meticulous borrower assessments, disaster damage validation, fraud screening, and customer counseling. Recognized for ensuring accuracy and compliance throughout the Qualified Mortgage (QM) loan lifecycle while maintaining effective communication with borrowers, loan officers, underwriters, and third-party vendors.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Construction Analyst / Disaster Loan Support
SBA
Herndon, VA
01.2017 - Current
- Assisted SBA disaster loan applicants by verifying losses, conducting borrower interviews, and preparing documentation.
- Reviewed claims, identified discrepancies, and ensured accuracy of disaster-related loan files.
- Relevant Experience
- Analyzed project data to identify trends and recommend improvements for resource allocation.
- Increased client satisfaction by providing clear communication channels and addressing concerns proactively.
- Conducted cost-benefit analyses for proposed construction projects, ensuring optimal value for clients and stakeholders.
QM Processor
The Trye Group
Baltimore, MD
01.2026 - 03.2026
- Review loan applications and disclosures for completeness and compliance with QM/ATR requirements
- Collect, verify, and upload borrower documentation (income, assets, credit, insurance, title, etc.)
- Order and track third‑party services: VOEs, VODs, appraisals, title, insurance, fraud reports
- Review AUS findings (DU/LPA) and ensure conditions are met prior to submission
- Prepare clean, audit‑ready files for underwriting
- Communicate proactively with borrowers and loan officers regarding outstanding items
- Clear processor‑level conditions and resubmit files as needed
- Maintain accurate notes, timelines, and documentation in the LOS
- Coordinate with closing to ensure final conditions and CD timelines are met
- Uphold agency, investor, and company guidelines at all times
- Streamlined processing workflows to enhance efficiency and reduce turnaround times.
- Supported team members in their tasks, contributing to overall team success.
- Increased productivity by effectively managing workload and prioritizing tasks.
- Implemented quality control measures to maintain product integrity throughout processing cycles.
- Analyzed processing metrics to identify areas for improvement and drive operational excellence.
- Received and reviewed incoming documents and materials.
- Assisted colleagues as needed, fostering a positive work environment based on teamwork and mutual supportiveness.
Mortgage Underwriter
Truist Bank
Birmingham, AL
04.2021 - 01.2026
- Underwrite residential mortgage loans following Conventional and Portfolio guidelines.
- Perform in-depth review of financial statements, tax returns, credit reports, title, collateral, and asset documentation.
- Issue decisions, conditions, denials, and clear-to-close notifications aligned with investor and regulatory requirements.
- Manage complex financial analysis and ensure loan documentation accuracy.
- Monitored pipelines to track and log status of loans.
- Negotiated loan terms and conditions with customers to secure best deal.
- Assisted customers with completing loan applications and other paperwork.
- Explained very technical financial information to applicants in easy to understand language.
- Maintained high level of customer satisfaction by providing clear, concise explanations of complex underwriting decisions.
- Increased loan processing capacity by mentoring junior underwriters, sharing expertise in efficient application evaluation.
- Reduced loan approval times, analyzing borrower's financial status, credit, and property evaluations to meet tight deadlines.
Mortgage Underwriter
HomeTowne Lenders
Birmingham, AL
11.2020 - 03.2021
- Underwrote Conventional and Jumbo loans; analyzed borrower credit, capacity, collateral, and risks.
- Validated income and assets; interpreted DU/LP findings; collaborated with processors.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Developed strong working relationships with external vendors for efficient management of property appraisals and title searches.
- Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
- Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
Mortgage Underwriter
Highlands Residential Mortgage
Birmingham, AL
02.2020 - 10.2020
- Completed full-file evaluations for FHA, Conventional, Jumbo, and investor loans.
- Ensured compliance with AML, OFAC, BSA, and Patriot Act requirements.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Verified integrity of applicants' information to minimize fraud.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
Mortgage Underwriter
Navy Federal Credit Union
Vienna, VA
07.2019 - 01.2020
- Approved/declined VA and Conventional loans; assessed income, credit, and collateral.
- Supported audits, risk reviews, and KYC/contract evaluations.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
QC/QA Underwriter
StoneHill Group
Atlanta, GA
06.2017 - 06.2019
- Conducted post-close and compliance audits on FHA, VA, USDA, Fannie Mae, and Freddie Mac loans.
- Performed 2nd-level audits; analyzed income/asset calculations and appraisal data.
Mortgage Underwriter
Clayton Holdings / U.S. Bank
Atlanta, GA
09.2016 - 05.2017
- Reviewed FHA, VA, USDA, and Conventional loan files; performed credit, income, and collateral analysis.
- Identified fraud indicators and risk layering.
- Developed training materials to enhance team knowledge of underwriting procedures and industry standards.
- Implemented quality control measures that improved accuracy in loan file assessments by streamlining review processes.
- Led initiatives to standardize underwriting criteria across various loan products, enhancing operational efficiency and consistency.
- Approved or denied loans based on established criteria and underwriting guidelines.
Consumer Loan Processor / Underwriter
BBVA Compass
Birmingham, AL
05.2016 - 08.2016
- Coordinated borrower documentation; supported underwriting and ensured compliance.
- Reviewed loan applications for completeness and compliance with regulatory requirements.
- Evaluated credit reports to assess borrower risk and eligibility for loan products.
- Collaborated with underwriters to resolve issues and expedite loan processing timelines.
- Maintained accurate records in loan processing systems, ensuring data integrity throughout the application lifecycle.
- Trained junior processors on best practices and procedural updates to enhance team performance.
Education
Some College (No Degree) - Math/Finance
Calhoun Community College
Huntsville, ALSkills
- AUS Systems: DU, LP, GUS, Assetwise
- Loan Systems: Encompass, Byte, Calyx Point, Empower, MSP, Mortgagebot, DocVelocity, Arive
- Compliance Knowledge: RESPA, TILA, ECOA, SCRA, Dodd-Frank
- Software: Microsoft Office, SAP, QuickBooks, Xactimate
Certification
- DE Underwriter Certification
- LAPP/SAR Certification
- Certified Housing Counselor (NeighborWorks)
- FEMA Public Trust Clearance
- Notary Signing Agent
CORE COMPETENCIES
- Loan Servicing & Administration
- Complex Borrower Case Review
- Credit & Financial Analysis
- Loan Documentation Review
- Delinquency & Loss Mitigation Support
- Fraud Detection & Red Flag Identification
- Customer & Borrower Communication
- Federal Lending Guidelines (FHA/VA/USDA/Conventional/SBA)
- Quality Control & Audit Review
- Loan Processing & Closing Coordination
- Income, Credit, and Collateral Evaluation
- Compliance: RESPA, TILA, ECOA, SCRA, Dodd-Frank
Timeline
QM Processor
The Trye Group
01.2026 - 03.2026
Mortgage Underwriter
Truist Bank
04.2021 - 01.2026
Mortgage Underwriter
HomeTowne Lenders
11.2020 - 03.2021
Mortgage Underwriter
Highlands Residential Mortgage
02.2020 - 10.2020
Mortgage Underwriter
Navy Federal Credit Union
07.2019 - 01.2020
QC/QA Underwriter
StoneHill Group
06.2017 - 06.2019
Construction Analyst / Disaster Loan Support
SBA
01.2017 - Current
Mortgage Underwriter
Clayton Holdings / U.S. Bank
09.2016 - 05.2017
Consumer Loan Processor / Underwriter
BBVA Compass
05.2016 - 08.2016
Some College (No Degree) - Math/Finance
Calhoun Community College