Summary
Overview
Work History
Education
Skills
Interests
Timeline
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Ronnette Montgomery

San Diego

Summary

Results-oriented mortgage underwriter with extensive expertise in manual underwriting, consistently exceeding production standards while ensuring exceptional loan quality. Skilled in conducting complex income and asset evaluations with precision and efficiency. Recognized for excellent written and verbal communication, critical thinking, and problem-solving abilities. A collaborative team player with a positive attitude, dedicated to contributing to organizational success and fostering productive work environments.

Overview

12
12
years of professional experience

Work History

Mortgage Correspondent Underwriter

TRUIST
05.2022 - 05.2023
  • Conducted comprehensive analysis of residential mortgage loans to assess creditworthiness and approve home loan applications
  • Performed in-depth underwriting evaluations for all Truist Financial Correspondent loan products, including complex tax return calculations, liquidity assessments, asset and credit reviews, and appraisal analysis
  • Maintained a daily underwriting standard of reviewing and approving a minimum of two files, with lending authority up to $2 million
  • Served as a peer mentor, fostering a collaborative work environment and providing guidance to colleagues
  • Built and nurtured strong relationships with teammates, clients, and business partners to ensure seamless communication and operational efficiency

Sr. Mortgage Underwriter-SFLO

Bank of America
08.2016 - 04.2021
  • Exceeded all productivity standards; recognized as a top performer/ producer in the underwriting department with 2-4 new loan reviews per day: plus, review of conditions, final reviews, and re-works
  • Explained rationale behind credit decisions
  • Maintained working knowledge of Bank, Agency and Government guidelines, updates and State & Federal Regulations
  • Coached Jr
  • Underwriters and Loan processors also functioned as Subject Matter Expert for fulfilment projects and initiatives

Consumer Loan Underwriter III- DE/FHA

Wells Fargo Home Mortgage
12.2010 - 02.2016
  • Reviewed financial statements, credit reports, and applicable ratios (i.e., debt ratios, loan-to-value), while exceeding company expectations with an average of 2-4 new credit decisions per day, (Jumbo, FHA, & Conventional)
  • Determined conditions, stipulations, and/or pre-funding requirements
  • Examined transactions for accuracy and completeness
  • Ensured compliance with bank, investor, and secondary mortgage standards
  • Applied fraud detection techniques and performed compliance reviews
  • Performed daily communication with clients, sales team, and operations to proactively resolve any issues as they arose

Education

Bachelor of Science - Business Administration, Management Concentration

Humphrey’s University
Stockton, CA
05.2026

Associate in applied science - Business Administration w/ an emphasis in accounting

Heald College
Stockton, CA
10.2009

Skills

  • Teamwork and collaboration
  • Time management
  • Multitasking
  • Critical thinking
  • Decision-making
  • Detail-oriented
  • Microsoft office
  • Deadline oriented
  • Self motivation
  • Professionalism
  • Data analysis
  • Verbal and written communication

Interests

  • Embracing outdoor adventures such as taking a walk at the beach and hiking
  • I enjoy cooking for friends and family gatherings
  • Exploring famous landmarks, historical sites, and cultural attractions in a new destination

Timeline

Mortgage Correspondent Underwriter

TRUIST
05.2022 - 05.2023

Sr. Mortgage Underwriter-SFLO

Bank of America
08.2016 - 04.2021

Consumer Loan Underwriter III- DE/FHA

Wells Fargo Home Mortgage
12.2010 - 02.2016

Associate in applied science - Business Administration w/ an emphasis in accounting

Heald College

Bachelor of Science - Business Administration, Management Concentration

Humphrey’s University

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Ronnette Montgomery