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Mortgage UnderwriterStreet Address  Whittier Dr.Colorado Springs, CO Street Address
PHONE NUMBER AVAILABLEEMAIL AVAILABLELINKEDIN LINK AVAILABLE334bb328bStrategic, resourceful, results-driven mortgage professional offering expertise in identifying risks, finding ways to mitigate those risks, and helping customers succeed financially. Innovative business partner, effective communicator, and problem-solving project manager known for building and maintaining positive, productive relationships to make sound lending decisions by meticulously analyzing applicant financial, credit histories, and property evaluations. Collaborative leader and resourceful team contributor with demonstrated successes in coaching, delegating, and partnering with diverse, cross- functional teams to prioritize tasks with attention to detail and produce results while maintaining quality results. EducationFreiherr-vom-Stein Gymnasium,Fulda, GermanyGPA Equivalent 3.8Key SkillsRisk AssessmentAttentive to detailCompliance KnowledgeConforming Lending GuidelinesNonconform. Lending GuidelinesDocumentation ReviewOrganizedBudgetingReportingCommunicationCustomer ServiceQuality AssuranceLicenseNationwide Mortgage LicensingSystem (NMLS)729322ExperienceMAY 2021  MARCH 2023Conforming Mortgage Underwriter III Wells Fargo Home Mortgage Analyzed customer applications for conforming purchase and refinance mortgages to determine customers ability and willingness to repay the requested loan requests. Reviewed, analyzed, and verified income documentation for salaried/hourly and self-employed clients. Appraised credit reports to determine past payment patterns and discover potential financial hardships or financial mismanagement. Analyzed documentation to protect potential fraudulent documents or transactions. Examined appraisal products to determine the condition of properties and if stated property values were supported. Assisted customers in achieving home ownership or obtaining cash-out for miscellaneous investment purposes to achieve financial goals. Received service excellence awards in 2013 and 2014 Achieved numerous top producer awards. Attained numerous quality awards.APRIL 2015  MAY 2021Home Equity Underwriter IV Wells Fargo Home Equity Reviewed and analyzed applications that were recommended for decline to determine if a potential path forward could be determined. Proactively identified opportunities to improve customer experience by meeting their financial needs. Provided guidance and coaching to underwriters to assist in analyzing files for potential restructures / exceptions when warranted. Restructured Loan Requests to satisfy lending guidelines while meeting customers needs. Determined loan exceptions for customers per qualifications. ProfessionalDevelopmentIncome Tax AnalysisNon-Conforming LendingAnnual Compliance CoursesBasic Banking CoursePrincipals of Banking CourseOCTOBER 2001  APRIL 2015Home Equity Underwriter Wells Fargo Home EquityAnalyzed customer applications for equity loan requests to determine customers ability and willingness to repay the requested loan requests. Reviewed, analyzed, and verified income documentation for salaried / hourly and self-employed customers. Scrutinized credit reports to determine past payment patterns and discover potential financial hardships or financial mismanagement. Analyzed documentation to protect potential fraudulent documents or transactions. Evaluated appraisal products to determine the condition of properties and if provided values were supported. Assisted customers in obtaining cash-out for miscellaneous investment purposes to achieve financial goals.Additional Relevant ExperiencePhone Banker Wells Fargo Home EquityProvided a full range of banking services to individual customers through counseling to their personal financial needs.Processed complex transactions online.Researched complaints while maintaining sales goals and providing superior customer service.Postgiroamt Frankfurt, GermanyData ProcessorEducationGeneral Studies, Gymnasium Degree Freiherr-vom-Stein Gymnasium Fulda, Germany  General Studies GPA Equivalent 3.8 ReferencesAvailable upon request.