Destine Andrews

I grew up in the mortgage industry. I started as a receptionist/set up and worked my way through sales assistant, closing, processing, Junior Underwriter and then on to Underwriting. I have underwritten VA, FHA including 203K loans, Bond/DPA, USDA, Conventional underwriting including renovation & new construction, as well as sub-prime, and ALT-A. The Vast majority of my career has been spent in an Underwriting Capacity. I have had the pleasure and honor of becoming both a Team Lead and an Underwriting Supervisor.

I’m ambitious, determined, dedicated and a team player. This is a career, an industry where the rules change as often as we blink and there is never a shortage of new things to learn or new situations to unravel. I believe the success of my people, my peers, and the company I work for are dependent upon strong communication and working together as a team. No company thrives without a strong and capable team. I believe my personal success is a direct reflection of the team I am a part of. I am an extremely thorough Underwriter with a thirst for knowledge and a passion for growth. I have maintained throughout my underwriting career a less than 1% error ratio. I work tirelessly each day on maintaining and creating trusting relationships with all my peers. I have a deep and varied experience within the mortgage industry as well as specialty niches. I am calm under pressure. I am a problem solver, I’m resourceful and I’m driven. I give all of myself. I am loyal. I bring creativity and passion to my team. I manage with both compassion and boundaries. I have sought every opportunity to expand my knowledge and to become a strong, capable, and effective leader and team member. I will continue to embrace knowledge and to grow both personally and professionally. 

Very little of what we do daily fits inside a box, anyone who thinks it does, probably isn’t in the right job. This is my chosen career. I believe in what we do, I know the value of it.

• Supervised between 4-8 Underwriters of varying degrees of skill and product knowledge
• Continuous Education & Research of Agency, Government, Numerous DPA/Bond Guidelines
• Created and maintained a database of certified DPA/Bond Underwriters
• Provided DPA Guideline Updates, training, and performed Second Level Credit review
• Generated a DPA Highlight Database for Quick look purposes utilized by both operations and sales
• Conducted 2nd level reviews for Underwriters in training and complex or escalated loans
• Handled Escalations and partnered with Underwriters and Sales on loan Restructuring
• Collaborate with Leadership Team to streamline process flows, update Underwriting Condition sets for all programs, create efficiencies, eliminate unnecessary errors and grow teams
• Work with other Underwriting Managers and Credit managers within the organization to implement training, explore solutions to process flow inefficiencies, and create new policies
• Work cohesively with my sales partners to implement processes that streamline our workload and to brainstorm solutions to process stagnation
• Interviewing, hiring, and letting go of employees
• Manage Pipeline and turn times for all Underwriters within my Team
• Completed Employee Reviews
• Coach, guide, mentor, and train Underwriters, Loan Officers and Processors on complex loan transactions
• Work with Pre-close auditors, Post Close Auditors, and Investors on loans with deficiencies to correct both prior to closing and at insuring/selling
• Provide new Underwriters and seasoned Underwriters with training as applicable for both new products and updates on current products
• Focused on consistently providing all internal and external customers and peers excellent communication and customer service
• Ensure all loans stay within SLA’s
• Maintain the highest quality in audits of less than 1% error ratio at all times 
• Complete a full manual credit, income, asset, appraisal, title, and other document review
• Worked solely with correspondent partner to triple their business and Underwrite loans to close

• DE certified FHA Underwriter (Started FHA Underwriting in 2010, received DE in 2012) 
• VA (Not Certified – Underwrote VA loans including manual loans Under Credit VP’s LAPP from 2013-2015) 
• USDA (2021- Present) 
• Conventional (2009 - Present)
• Renovation loans (FHA and                                                                                                                                                                                                                                                                                    Conventional 2010 - Present)
• Bond/DPA (2012 – Present. Numerous states including Chenoa, AZ, CA, CO, FL, KY, MN, MO, NM, NV, OH, TX, etc…)
• New Construction (2002-2007)
• Alt-A/Subprime (2002-2007)
• Wholesale, correspondent, and retail experience
• Average 2+ New Files and 6+ Condition files per day
• Knowledgeable in credit policy, research, locating and navigating both internal and external company/agency/investor guidelines
• Skilled Trainer and Mentor
• Management/Leadership
• Exceptional communication, organizational and multi-tasking skills
• MS Word, MS Excel, Power Point, Outlook, Word Perfect, Windows, and various mortgage related computer programs (Encompass, Desktop Underwriter, Loan Prospector, XDOCS).