Candice Relerford
About Candice Relerford
Candice Relerford serves as an Associate Director and Business Underwriter at UBS, where she specializes in underwriting for ultra-high net worth clients. With a background in mortgage underwriting at various financial institutions, she ensures compliance with regulatory standards and provides detailed loan documentation.
Work at UBS
Candice Relerford has been employed at UBS since 2021, serving as a Business Underwriter and Associate Director. In this role, she specializes in underwriting for ultra-high net worth clients, focusing on complex income sources such as investments and asset depletion. Her responsibilities include ensuring compliance with the Consumer Financial Protection Bureau's Ability to Repay standard in mortgage underwriting. Relerford also provides detailed written summaries of loan details, documenting exceptions to company guidelines and compensating factors. She manages an individual underwriting pipeline, emphasizing timely transaction completion.
Previous Experience at Morgan Stanley
Before joining UBS, Candice Relerford worked at Morgan Stanley as a Mortgage Underwriter and Assistant Vice President from 2017 to 2020. During her three years in this position, she was based in Dallas, Texas. Her role involved evaluating complex financial situations and ensuring that underwriting practices met the necessary standards for high-net-worth clients.
Experience at Sutherland and Nationstar Mortgage
Candice Relerford's career includes a role at Sutherland as a Remote Senior Mortgage Underwriter from 2020 to 2021. Prior to that, she worked at Nationstar Mortgage as a Mortgage Underwriter from 2013 to 2017 in Irving. These positions contributed to her expertise in mortgage underwriting, allowing her to develop skills in managing underwriting pipelines and assisting with complex loan scenarios.
Education and Expertise
Candice Relerford studied at the University of Phoenix, where she earned a Bachelor of Business Administration (BBA) with a focus on Project Management from 2017 to 2021. Her educational background supports her professional expertise in underwriting, particularly in managing complex financial assessments and compliance with industry regulations.
Professional Responsibilities
In her current role at UBS, Candice Relerford assists Private Bankers and Loan Consultants with underwriting scenarios and guideline interpretations. She is responsible for evaluating loan applications and ensuring that all underwriting processes align with established guidelines and regulatory requirements.