Sonita Ngejumoh
Windsor Mill
Summary
Experienced Mortgage Loan Underwriter with a strong focus on credit analysis, loan underwriting, and documentation review. Proven ability to improve loan approval rates while ensuring compliance and minimizing risks.
Dedicated Mortgage Underwriter with expertise in credit analysis and risk assessment. Known for attention to detail and strong communication skills, contributing to improved loan approval rates and adherence to regulatory standards. Ready to leverage a deep understanding of loan products to enhance borrower experiences.
Overview
5
5
years of professional experience
Work History
Mortgage Loan Underwriter
M&T Bank
San Francisco, CA
10.2023 - 05.2026
- Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
- Conducted regular audits of underwriting files for accuracy and completeness, maintaining impeccable documentation standards.
- Maintained a deep understanding of various loan products available, expertly matching borrower needs with suitable options.
- Improved loan approval rates by meticulously reviewing and analyzing applicant financial documents.
- Provided detailed feedback on loan decisions, effectively communicating with both internal stakeholders and applicants.
- Verified integrity of applicants' information to minimize fraud.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Monitored pipelines to track and log status of loans.
Mortgage Underwriter
SitusAMC
New York, NY
08.2021 - 08.2023
- Conduct risk analysis and ensure compliance with multiple lending guidelines including Jumbo, FNMA, FHA,
and VA, maintaining adherence to both company and investor standards. - Ensured adherence to regulatory requirements throughout the underwriting process.
- Reviewed property appraisals and title reports for accuracy and completeness.
- Provided support in training new team members on underwriting procedures and tools.
- Maintained detailed documentation of underwriting decisions for audit purposes.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Education
Master of Science - Applied Behavior Analysis
Mount Saint Mary's University
Frederick, MD12-2025
Skills
- Underwriting guidelines
- Debt-to-income ratios
- Professional ethics
- Documentation review
- Property valuation
- Loan underwriting
- Credit analysis
- Appraisal review
- Loan origination
- Loan processing
- Credit scoring
- FNMA guidelines
- Income calculation
- Collateral evaluation
- Residential loans
- LTV calculations
- Jumbo and super jumbo loans
- Income verification
- Attention to detail
- Excellent communication
- Team collaboration
- Decision-making
- Loan servicing
- Data entry
- Credit history review
- Creditworthiness determination
Timeline
Mortgage Loan Underwriter
M&T Bank
10.2023 - 05.2026
Mortgage Underwriter
SitusAMC
08.2021 - 08.2023
Master of Science - Applied Behavior Analysis
Mount Saint Mary's University