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Denise LaJuett is a Senior DE Mortgage Underwriter with over 25 years in the financial services industry.
Denise LaJuett is a Senior DE Mortgage Underwriter with over 25 years in the financial services industry.
Denise has extensive residential mortgage processing and underwriting expertise, including FHA, conventional, USDA, and portfolio loans.
Direct Endorsement (DE) Certified Underwriter
Direct Endorsement (DE) Certified Underwriter
As a certified DE underwriter, Denise has direct endorsement qualifications from the Department of Housing and Urban Development (HUD) and can underwrite and approve government-insured loans. Her primary duties include collecting information about loan packages and evaluating financial records before approving or denying the application.
As an experienced DE underwriter, Denise reviews various loans and performs risk assessments on potential loan recipients based on credit rating, borrowing history, and other risk factors.
Underwriter Skills & Competencies
Underwriter Skills & Competencies
Knowledge of mortgage industry trends and best practices
25+ years of working knowledge of FHA, CONV, USDA, and PORTFOLIO financing
Proficient in mortgage underwriting software and tools: Loan Prospector, Desktop Underwriter, and GUS
Underwriting Level 3 Certified
Compliance Regulations
Risk assessment and mitigation
Loan processing and documentation
Other Job Skills
Other Job Skills
Analytical thinking and decision-making
Excellent verbal and written communication skills
Attention to detail
Relationship building and management
Effective communication and collaboration
Time management and prioritization
Problem-solving and decision-making
Customer service and satisfaction
Adaptability and flexibility
Education / Courses
Education / Courses
Monroe Community College “Office Technology-Legal”
SUNY Brockport "Real Estate"
Mortgage Bankers Association of America “Understanding the Real Estate Appraisal”
Underwriting Resume
Underwriting Resume
Senior FHA DE Mortgage Underwriter
Senior FHA DE Mortgage Underwriter
Employment History
Employment History
2/21-4/22
09/19-01/21
05/16-09/19
10/12-5/16
Main Street Home Loans
Senior Mortgage Underwriter (Remote)
Underwrite FHA, Conventional, and USDA loans
Utilize Fannie-validated loan guidelines
Utilize Loan Prospector and Desktop Underwriter
Underwrite per investor guidelines and company overlays
Review and approval of real estate appraisals
Communicate with internal customers
09/19-01/21
RoundPoint Mortgage Servicing
Senior Mortgage Underwriter (Remote)
DE Certified
Underwrite FHA, Conventional, and USDA loans
Utilize Fannie-validated loan guidelines
Utilize Loan Prospector and Desktop Underwriter
Underwrite per investor guidelines and company overlays
Review and approval of real estate appraisals
Communicate with internal customers
05/16-09/19
E Mortgage Management
Senior Mortgage Underwriter (Remote)
DE Certified
Underwrite FHA, Conventional, and USDA loans
Utilize Fannie-validated loan guidelines
Utilize Loan Prospector and Desktop Underwriter
Underwrite per investor guidelines and company overlays
Review and approval of real estate appraisals
Communicate with internal customers
10/12-5/16
Plaza Home Mortgage
Mortgage Underwriter (Remote)
Underwrite FHA, Conventional, and USDA loans
Utilize Loan Prospector, Desktop Underwriter, and GUS.
DE Certified
Underwrite loans per investor guidelines
Review and approve real estate appraisals
Communicate with internal and external customers
03/10-10/12
07/09-03/10
07/05-06/09
12/04-07/05
07/03-06/04
Canandaigua National Bank & Trust
Mortgage Underwriter (Remote)
Underwrite FHA, conventional, and portfolio loans
Utilize Loan Prospector and Desktop underwriter
DE certified
Underwrite loans per investor guidelines
Review and approve real estate appraisals
Communicate with internal customers
07/09-03/10
Nothnagle Home Security
Mortgage Underwriter
Audit closed files for their accuracy
Utilize Loan Prospector and Desktop underwriter
Underwrite loans per investor guidelines
Send transmittal to the post-closing department for their review
Review and approve real estate appraisals
07/05-06/09
Headway Corporate Staff Admin
Mortgage Underwriter
Audit closed files for their accuracy
Utilize Loan Prospector and Desktop underwriter
Underwrite loans per investor guidelines
Send transmittal to the post-closing department for their review
Review and approve real estate appraisals
12/04-07/05
Citizens Bank
Mortgage Analyst
Process Conventional, FHA, and VA loans using Desktop Underwriter
Analyze documentation to make sure it meets program guidelines, and sign off on received conditions once underwritten
Proofread and distribute commitment letters
Provide clear communication and support to underwriting, loan officers, and customers to release stipulations needed for mortgage loan files to ensure a quick turnaround time
07/03-06/04
MGIC
Mortgage Underwriter
Validate and approve all Loan Prospector files
Review and approve all real estate appraisals
Correspond with the borrowers to resolve any questions
Correspond with attorneys to resolve any legal issues
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