Diane Chudley, Asst UW Mgr., Team Lead, SR. DE/FHA, VA/SAR, Conventional Underwriter, New Construction/Builder on Influential Women
Verified Member

Influential Woman · Mortgage

Diane Chudley

Asst UW Mgr., Team Lead, SR. DE/FHA, VA/SAR, Conventional Underwriter, New Construction/Builder, Finance of America

Irvine, CA 92618

Certifications · Degrees · Memberships

Degree University of Phoenix - BMM Cert ADP Payroll Profession Cert Real Estate Salesperson Cert Notary Public Cert FHA DE License License No. 49112 Member The National Women's of Construction Member Home Builder of Savannah Member Home Builders Association in California

Her Story

About Diane

Diane Chudley is an accomplished mortgage underwriting and operations professional with more than 40 years of experience across FHA, VA (SAR/DE), conventional, jumbo, non-QM, and new construction/builder lending. Based in Savannah, Georgia, after moving from Southern California 5 years ago, she has built a distinguished career in high-volume financial environments, recognized for her expertise in risk analysis, regulatory compliance, and full-cycle underwriting. Her work includes detailed evaluation of income, assets, credit, appraisals, and complex loan structures, along with leadership in post-closing quality control, PFQC audits, and cross-functional operational support. She began her mortgage career in her late 20s at Topathrift and Loan after initially working to make a car payment. A connection from that role informed her about an opportunity in the Beverly Hills office within a new leasing division, where she accepted a position as a documentation clerk. She spent five years there building foundational experience in credit reporting, bank verifications, and loan processing—an experience that became the cornerstone of her underwriting expertise. After the company closed, she later rejoined leadership at Pacific Thrift and Loan, where a senior executive immediately recognized her value. This reinforced her belief in maintaining strong professional relationships, guided by the principle that bridges should never be burned in an industry where paths often cross again. Over the course of her career, Diane advanced into senior leadership roles, including AVP of Operations overseeing approximately 180 employees across multiple teams, as well as long-term collaboration with senior executives across multiple organizations and builder divisions. She has served as a AVP of operations, UW Mgr, & Asst UW Mgr, Team Lead, as well as mentor, trainer, and underwriting leader, balancing hands-on underwriting with developing new talent and guiding loan officers through complex files. Her passion for underwriting remains central to her career, complemented by a deep commitment to teaching and supporting others in the industry. Despite navigating layoffs, company closures, and industry cycles, she has remained resilient and dedicated, building a reputation for stability, leadership, and enduring expertise in mortgage lending.

Her Interview

Ten minutes with Diane

01What do you attribute your success to?

I attribute my success to resilience, longevity in the industry, and a deep commitment to maintaining strong professional relationships. Over the years, I have navigated layoffs, company closures, and industry shifts, yet I have consistently remained grounded in the work and naturally gravitated back to it because it is truly a part of my professional identity. I have learned that success in this field is not only about technical expertise, but also about perseverance and adaptability through change. Equally important, I have always believed in never burning bridges, as you never know when paths will cross again. That mindset of loyalty, respect, and long-term relationship-building has opened doors throughout my career and created lasting opportunities that have contributed significantly to my growth and success.

02What’s the best career advice you’ve ever received?

My dad taught me this when I got my first management job. It was really difficult, and he said, 'Just remember, not everybody knows everything that you do.' That perspective has shaped how I lead and mentor others. It reminds me that not everybody has the experience I do, and that everybody needs to start somewhere. You know, I've run across processors who say, 'I never really knew that,' and I understand everyone's learning. It's okay if they don't know everything yet. That advice helps me treat people fairly and with respect, and remember to be patient as a mentor and leader.

03What advice would you give to young women entering your industry?

I believe you should do what you want to do and not let other people discourage you based on their opinions or the job market. People will always say something like a career isn't a 'good choice' or that things are too volatile, but I don't think anything is truly 100% secure unless you're in a very small set of professions like being a doctor, lawyer, dentist, or something similar like my son-in-law, who is an optometrist. For me, the only thing I know for certain is my faith. I am very faithful, I believe in God, and I pray daily. That's what gets me through everything. I trust that God will guide me, and I try to go with my gut, stay true to myself, and do what makes me happy. At the end of the day, if someone wants to be a paleontologist and go dig for dinosaur bones, and that's what truly makes them happy - and they can support themselves doing it - then they should do it. Because when you enjoy your work, it doesn't feel like just a daily grind or something you're suffering through. It makes a big difference when you're busy or working overtime and you still feel good about what you do. I think that's part of why many of us stay in our careers - we genuinely enjoy the work.

04What are the biggest challenges or opportunities in your field right now?

One of the biggest challenges I've faced in my career has been moving up into management. Many companies want recent management experience, which can make it tricky sometimes you end up doing both your regular work and management responsibilities simultaneously. In the past, career advancement often felt more straightforward, but today it requires proactive effort. To address that, I've been investing in my own development - taking LinkedIn courses and training in areas like payroll and HR - so I can bring more to the table and position myself for growth opportunities. Opportunities have also arisen through strong professional relationships. At my previous company, I worked with a senior VP for 20 years, moving across three companies within his builder division. His loyalty and mentorship created opportunities for me. He recognized my strengths in training and guiding new team members. As the assistant underwriting manager and team lead, I would mentor new loan officers after their initial training, walking them through the ins and outs of each file. This mentorship was very effective and personally rewarding. I genuinely enjoy guiding, teaching, and training others - but I also love underwriting itself. It's sometimes difficult to choose between focusing solely on training or continuing hands-on underwriting, because both bring me fulfillment.

05What values are most important to you in your work and personal life?

Never to compromise how I do my job every day. I show up, give my best, and work hard, knowing that at the end of the day, I did everything I could. Even when I have to decline a loan or make a tough decision, I know I treated people fairly and with respect. I also remind myself that not everyone has the experience I do. Everyone has to start somewhere, and it's okay if they don't know everything yet. I've run across processors who say, 'I never really knew that,' and I understand - everyone's learning. My dad taught me this when I got my first management job: just remember, not everybody knows everything you do. That perspective has shaped how I lead and mentor others.

Join Influential Women and start making an impact. Register now.