Misty Rutherford

Analytical mortgage underwriter with 10 years of experience in providing detailed and comprehensive loan analyses with expertise in risk assessment. Proficient in performing complex self-employment income calculations, including analysis of multiple owned investment properties. Outstanding comprehension skills with a strong ability to adapt and learn new processes and systems quickly, frequently selected as Subject Matter Expert (SME). Extensive knowledge of mortgage guidelines and regulations with efficient time management skills, achieving top-quality scores while meeting daily production goals and adhering to strict SLA requirements. Well-versed in utilizing a range of software applications commonly used in the industry, including MS Office, DU and LP, LexisNexis, ACES, Scienna, ComplianceEase, Mavent, and various LOS.

PHOENIX Denver, CO May 2017 to Present

Mortgage Servicing QC Analyst | Due Diligence Analyst

Conduct thorough and comprehensive loan reviews to ensure strict adherence to mortgage servicing procedures and compliance regulations. Ensure loss mitigation activities performed by the servicer meet the required standards and time-frames. Strong ability to adapt and switch roles with ease working with the due diligence team to carry out a comprehensive review of all relevant loan documentation, with a specific focus on TRID (TILA-RESPA Integrated Disclosure) compliance.

DIGITAL RISK, LLC. Maitland, FL Jun 2022 to Jun 2023

FNMA Due Diligence Underwriter | Senior Loan Review Analyst

Perform deep-dive reviews of recently closed mortgage loans evaluating credit reports, assessing income, assets, appraisal, purchase contracts, and title reports. Ensure that borrowers' capacity meets credit policies, company overlays, and investor agency guidelines by performing a thorough underwriting analysis. Analyze compliance documentation ensuring all regulations are satisfied. Identify and document major and minor deficiencies citing applicable exceptions after a thorough examination of the loan file including identifying misrepresentation of occupancy. Communicate feedback to business clients allowing them to make more informed decisions, mitigate risks, and enhance operational efficiency by identifying trends with underlying business practices, underwriting, and fraud exposure.

STEWART LENDER SERVICES Farmington Hills, MI Oct 2016 to May 2017

QC Compliance Auditor | QA

Conduct comprehensive post-closing quality control audits on recently closed mortgage loan files to ensure compliance with investor/insurer guidelines (FHLMC, FNMA, FHA, VA, USDA) as well as state and federal regulations. Identify inadequate controls and examine transaction components that indicate a potential for fraud by performing data analysis. Review applicable documentation including required initial disclosures, Loan Estimates, Closing Disclosures, and Changed Circumstances for timing and tolerance variances. Confirm that loans adhered to all TRID (TILA-RESPA Integrated Disclosure) timing requirements and standards.

DIGITAL RISK, LLC. Maitland, FL Oct 2012 to Mar 2016

QC Underwriter | Loan Review Analyst III | Team Lead | Loan Processor

Ensure critical credit documentation accuracy, including income, employment, occupancy, credit, assets, and collateral through in-depth forensic underwriting review of performing and non-performing loans. Evaluate debt ratios, loan-to-value ratios, credit scores, appraisals, and various other loan factors. Engage with numerous clients while demonstrating a thorough understanding and commitment to maintaining strict confidentiality agreements, working in different roles on multiple projects. Provide support to loan officers and underwriting teams by ensuring the timely, judicious, and accurate processing of mortgage loan files.

Northwestern University - Business and Accounting Courses