Summary
Overview
Work History
Education
Skills
Timeline
Generic

Amber Cracchiolo

Santa Ana

Summary

Dynamic mortgage underwriter with extensive experience at Homebridge Wholesale, adept at applying underwriting guidelines and conducting thorough application analysis. Proven ability to identify fraud risks and ensure compliance with residential mortgage lending regulations. Strong documentation review skills combined with effective communication foster successful collaboration with loan officers to achieve optimal outcomes.

Overview

13
13
years of professional experience

Work History

Mortgage-underwriter

Homebridge Wholesale
11.2024 - Current
  • 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.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Loan programs include Non-QM, FHA and conventional.

Production Coordinator

Russell Capital Group
04.2024 - 10.2024
  • Provided hands-on support during peak production periods, assisting teams in meeting tight deadlines.
  • Coordinated with production team to support productivity targets and deadline management.
  • Monitored and tracked progress of all production tasks for on-time delivery.
  • Worked one on one with loan officers to structure loans and qualify applicants.

Mortgage Underwriter

Homebridge Wholesale
09.2012 - 04.2024
  • 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 application income, assets and credit to support with underwriting guidelines.
  • Determined credit risks by reviewing files in advance and comparing data against internet checklists and guidelines.
  • Loan programs include Non-QM, FHA and conventional.

Education

High School Diploma -

Loara High School
Anaheim, CA
06-1998

Skills

  • Documentation review
  • Underwriting guidelines
  • Residential mortgage lending regulations
  • Application analysis
  • Debt-to-income ratios
  • FNMA guidelines
  • Collateral valuation

Timeline

Mortgage-underwriter

Homebridge Wholesale
11.2024 - Current

Production Coordinator

Russell Capital Group
04.2024 - 10.2024

Mortgage Underwriter

Homebridge Wholesale
09.2012 - 04.2024

High School Diploma -

Loara High School

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Amber Cracchiolo