Denise Rigdon
Fort Pierce,FL
Summary
Motivated, experienced loan professional with 25 years in the mortgage industry. Strong critical thinking skills with the demonstrated ability to complete tasks accurately despite interruptions and competing demands. Income Analyst background with extensive experience in personal and business tax returns and financials.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Sr Mortgage Underwriter
Citibank
New York, NY
09.2020 - 01.2023
- Correspondence Underwriter for Delegated and Non-Delegated loans including Agency, Non-Agency, Conventional and Jumbo loans.
- Analyzed self-employment income and rental income to determine ongoing cash flow to support loan repayment.
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Evaluated mortgage loan risk based on sound underwriting decisions.
- Evaluated single-family, condominium, multi-family and manufactured home appraisals for compliance with guidelines.
Contract Underwriter - Remote
Radian Mortgage Insurance
Philadelphia, PA
09.2019 - 09.2020
- Front-line contract underwriter for conventional agency loans - FNMA and FHLMC.
- Reviewed and evaluated mortgage applications and documentation to determine if borrower, property, and loan conditions met state and federal regulations, investor guidelines, and lender overlays ensuring completeness, accuracy and compliance.
- Performed credit analysis, with and without the assistance of automated underwriting system. Evaluated information on mortgage loan application to ensure accuracy and completeness, validated AUS findings to determine all information matches.
Residential Mortgage Underwriter
Seacoast Bank
Stuart, FL
03.2018 - 04.2019
- Approved residential mortgage loans with lending authority $750,000. Loan types include Agency, Non-Agency, Conventional, Jumbo, Purchase, Refinance, Construction, Lots, Mobile Homes, FNMA, FHLMC, DU & LP.
- Reviewed and evaluated mortgage applications and documentation to determine borrower, property, and loan conditions met state and federal regulations, investor guidelines, and corporate standards ensuring completeness, accuracy and compliance.
- Evaluated information on mortgage loan application to ensure accuracy and completeness, validated AUS findings to determine all information matches.
Mortgage Underwriter, Credit Risk III
Citibank
New York, NY
04.2012 - 10.2017
- Approved residential mortgage loans with lending authority $750,000.
- Production Underwriter - consistently met established productivity goals and quality goals.
- Reviewed and evaluated mortgage applications and documentation to determine borrower, property, and loan conditions met investor guidelines, and corporate overlays ensuring completeness, accuracy and compliance. HARP, FNMA, FHLMC, Conventional, DU, Jumbo, Agency and Non-Agency loans.
- Performed credit analysis, with and without the automated underwriting system. Evaluated information on mortgage loan application to ensure accuracy and completeness, validated AUS findings to determine all information matches.
- Decisioned loan applications and communicated all underwriting decisions to the appropriate parties.
Education
Bachelor of Arts -
State University of New York at Brockport
Skills
- Results-oriented
- Problem resolution
- Client-focused
- Communications
Previous Experience
Sr Residential Mortgage Underwriter
Harbor Federal Savings Bank - Fort Pierce, FL (now PNC Bank)
July 2001 to September 2007
Reviewed residential mortgage loan applications for completion, accuracy, proper supporting documentation,
compliance with FNMA, FHA and Mortgage Insurance guidelines and compliance with federal lending
regulations
• Approved residential mortgage loans with lending authority $1,000,000.
• Extensive background with purchase, refinance, construction, owner-builder, bond, spec, SHIP and FHA
transactions.
• Provided employee training
• Managed residential builder program and project approval of condos and puds.
• Performed commercial credit analysis
• Extensive experience in property appraisal evaluations
• Reviewed collateral marketability, credit risk and compliance with agency guidelines.
Certification
NMLS #914532
Timeline
Sr Mortgage Underwriter
Citibank
09.2020 - 01.2023
Contract Underwriter - Remote
Radian Mortgage Insurance
09.2019 - 09.2020
Residential Mortgage Underwriter
Seacoast Bank
03.2018 - 04.2019
Mortgage Underwriter, Credit Risk III
Citibank
04.2012 - 10.2017
Bachelor of Arts -
State University of New York at Brockport
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