1. Cyndi Shiro
3900 Grapevine Mills Parkway, #935 817-308-3463
Grapevine, TX 76051 cyndishiro@gmail.com
Resourceful Mortgage Industry professional with 15 years of progressively responsible experience in
Banking. Extensive financial and risk analysis skills including top notch technical application usage, Fast
learner with multiple new computer programs including…
AUS Systems: LP, DU, CLUES, & AD
DOS-based: EDGE, RUMBA, and MSP
Loan Queue systems: Sharepoint
Paperless doc systems: Lenderlive
FHLMC Workout Prospector
FNMA Desktop Underwriter
FHA Connection
Fiserv
WORK EXPERIENCE
PennyMac Loan Services Ft. Worth, TX 2013 - Present
Underwriter
• Maintained highest team benchmark for quality and accuracy of loan documentation and underwriting
• Comprehensive knowledge of underwriting guidelines including manual underwriting with investor overlays:
FHA, VA, USDA, FNMA, Conventional
• Multi-tasking abilities including new underwrites and condition sign-off, while maintaining excellent internal and
external customer service
• Strong work ethic, problem-solving, and decision-making skills
• Consistently able to meet or exceed the demands of a high volume, fast-paced environment
• Attention to detail, ability to follow-up, organized, and efficient
• Excellent written and verbal communication skills; superior customer service skills
• Work well within a team structure and independently; goal oriented and self-motivated
• Assisted, identified, recommended and/or negotiated alternatives to loan requirements and/or loan structuring
solutions
• Direct contact with borrowers
JP Morgan Chase Irving, TX 2009-2013
Underwriter
• Analyzed income, credit, asset, debt ratio, loan-to-value ratios, and appraisal to ensure that the borrower qualifies and
confirm that the loan was underwritten in accordance with the product guidelines
• Maintained quality control standards while maintaining production standards by company’s definition
• Evaluated credit reports to determine credit eligibility; highly proficient in analyzing personal and business tax
returns, as well as legal documentation
• Completed and underwrote loan files, including Conventional, FHA, FHLMC, FNMA, Jumbo, Prime, and Sub-Prime
loans. Timely sign-off of conditions
• Examined title for vesting, liens, taxes, judgments and endorsements
• Reviewed appraisals to determine sufficiency of collateral
• Evaluated the risks of the loan versus compensating factors in considering exceptions to credit guidelines
• Negotiated alternatives and restructured loans to meet customer needs and guidelines

2. FCC Finance Lewisville, TX 2007 - 2008
Junior Underwriter
• Conducted analysis of dealer personal/business credit and recommended credit decision to management
• Supported underwriters by pre-underwriting loan packages
• Validated and cleared underwriting conditions
EMC Mortgage Lewisville, TX
Junior Underwriter 2005 - 2007
• Analyze self-employed borrowers, preliminary title reports and purchase contracts, interacting with investors to verify
adherence to specific guidelines
• Assist in resolving branch post-closing investor suspense issues
• Perform accurate data validation of file and verification of employment
• Communicate loan decision and conditions to brokers and correspondent clients.
• Perform mortgage credit analysis and review credit documents for completeness and accuracy
Countrywide Home Loans Richardson, TX
Junior Underwriter 2003 - 2005
• Analyzed income, credit, asset, debt ratio, loan-to-value ratios and appraisal to ensure that the borrower qualifies and
that the values of collateral is supported. Confirm that loan was underwritten in accordance with the product
guidelines.
• Examined preliminary title reports or title commitments for vesting, liens, taxes, judgments and endorsements.
• Reviewed appraisals to determine sufficiency of collateral
• Performed final approvals and reviewing the entire loan file through verification processes, including adherence to
multiple investor guidelines.
• Maintained quality control standards while maintaining production standards by company’s definition
Certifications
• Extensive Income Calculation Classes: Wage Earner, Self Employed, and Non Taxable Income
• Appraisal and Title Review
• Credit Report Review
• RESPA and TILA regulations
• Fraud Detection
• FHA, VA, FHLMC, FNMA and Conventional Guidelines/Underwriting
• Loan Origination Underwriting
• Loan Modification Underwriting
References available upon request