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Click here or scroll down to respond to this candidateCandidate's Name
Street Address Paris st,Allen Park, MI Street Address
Phone: PHONE NUMBER AVAILABLEEmail: EMAIL AVAILABLE / EMAIL AVAILABLE Professional Summary:Detail-oriented team player with strong organizational skills and over 20 years of experience. Ability to handle multiple projects simultaneously with a high degree of accuracy. I possess a deep understanding of how best to complete a credit analysis and ensure a compliant loan origination, a simple and easy process all the way to closing. Offers great time management and task prioritization skills. Highly skilled at high volume pipelines with over 96% closing average per month Summary of Skills: Extensive computer knowledge inEncompass, Calyx Point, etc Income Calculations Underwriting guidelines Debt-to-Income Ratios Risk Assessment Organization & Time Management Fraud Detection & Verification Appraisal review Credit analysis Collateral Valuation Analytical and Critical Thinking Oral and Written Comprehension Loan Processing Coordination Automated Underwriting System(AUS) includingDU/DO/LPA/GUS/VA Portal etc Wholesale and Retail ExperiencebothWork ExperienceCONVENTIONAL UNDERWRITER IUnited Wholesale Mortgage Sept. 2023 - Present Elevated the company''s reputation for sound lending decisions by adhering strictly to all regulatory requirements during the underwriting process. Continuously sought out opportunities for professional development, staying current with industry best practices and enhancing overall job performance. Enhanced loan processing efficiency by implementing streamlined underwriting processes. Streamlined application review process, reducing turnaround time without sacrificing accuracy or quality. Supported the growth of the mortgage portfolio by accurately assessing borrower eligibility for conventional loans. Coordinated with team members to address and resolve complex underwriting scenarios, fostering a collaborative work environment. Reduced risk exposure by conducting thorough credit analysis and documentation reviews. Leveraged strong analytical skills to identify potential red flags within applicants'' financial profiles, mitigating risk for the organization. Cultivated positive relationships with third-party vendors such as appraisers and title companies to facilitate smooth transactions for clients. Implemented strategies for minimizing default rates through rigorous evaluation of applicants'' financial histories and employment stability. Contributed to overall team success by consistently meeting or exceeding monthly production goals. Approved or denied loans based on established criteria and underwriting guidelines. Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines. Determine credit risks by reviewing files in advance and comparing data against internal checklists and guidelines. Reviewed appraisals and title documents to verify accuracy and completeness. Collaborated with loan officers and processors to obtain additional information and resolve discrepancies. Worked with processing team members to communicate errors and obtain missing information for current applications. Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions. Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status. Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications. Evaluated loan requests and documents to verify accuracy and completeness. Assessed loan portfolios for compliance with underwriting policies. Senior Loan Processing Manager/Senior Loan Processor Elite Home Funding (hybrid/remote position) May 2023 - Sept 2023 Spearheaded initiatives to increase customer satisfaction by improving communication throughout the loan process. Streamlined document management processes, reducing paperwork and increasing overall organizational efficiency. Continuously evaluated and updated department policies to ensure efficient mortgage processing, compliance with regulations, and industry best practices. Supervised the completion of accurate loan disclosures within required timeframes, ensuring compliance with regulatory requirements. Served as a liaison between the mortgage processing team and other departments, fostering collaboration to achieve company goals. Managed a high-volume pipeline of loans while maintaining strict attention to detail and prioritizing tasks effectively. Collaborated with sales teams to develop effective strategies for increasing loan application volume. Managed a team of mortgage processors, ensuring accuracy and timeliness in all stages of the loan process. Coordinated with underwriting teams to expedite loan approvals and meet closing deadlines consistently. Senior Loan Processor/Processing team leadAnnie Mac Home Mortgage (remote position) Nov 2021 - February 2022 Responsible for examining loan documentation for accuracy/completeness and ensure while working on this, I communicated clearly & promptly with loan originators and production staff members Review of income/appraisals/credit & all other file risk factors and made a decision based on that review Ability to multitask and succeed in a high-level high stress work environment and always remain levelheaded/calm and concise Maintained meticulous attention to detail in both the processing/underwriting of a file, making sure that I fully evaluated the financial strength of a borrower to determine the risk & repayment capacity for them Had and demonstrated sense of urgency to ensure all contingency and closing dates were met on time without extensions Has expert TRID/RESPA timeline knowledge and execution of all needed & necessary disclosures throughout the loan processUnderwriting Associate/Mortgage ConsultantGuaranteed Rate (remote position) June 2019 - Oct 2021 Was promoted within a year to underwriting as my skills & expert knowledge were recognized immediately Responsible for examining loan documentation for accuracy/completeness and ensure while working on this, I communicated clearly & promptly with loan originators and production staff members Review of income/appraisals/credit & all other file risk factors and made a decision based on that review Ability to multitask and succeed in a high-level high stress work environment and always remain levelheaded/calm and concise Responsible for verifying conditions, clearing conditions and issuing changes to the loan terms on a file Full understanding and expertise in title review and clearance of vesting issues, liens, judgment liens and many other title issues Leveraged knowledge of all agency and non-agency loan programs/products in an effort to occasionally help a Loan Officer/Processor to restructure a file according to guidelines Achieved record breaking closing months every month in my division (always top 3) Maintained meticulous attention to detail in both the processing/underwriting of a file, making sure that I fully evaluated the financial strength of a borrower to determine the risk & repayment capacity for them Sr Loan Processor/Processing Team LeadPremier Processing LLC (Remote Position) May 2017 - June 2019 Managed 8 - 10 Brokers/Loan officer's pipelines each with an average pipeline of 15-30 files at one time making my average monthly pipeline 60-75 a month with a 96% closing percentage each month Managed multiple lender sites, also very easily adapt to any computer system or software necessary Consistently closed upwards of 70+ loans a month Maintained communication throughout the process with realtor referral partners, title companies, AMC, borrowers, as well as all third party companies involved Worked remotely & continuously maintained the most in volume & production Consistently had less than 4 conditions on files out of initial underwriting approval Always made closing dates per purchase agreements never missed one or never missed any contingency dates Collected, maintained, and updated financial loan databases of up to more than 60 closings a month but with the ability to maintain a continuous pipeline of 60-75 mortgage loans simultaneously Evaluated mortgage loan risk based on sound underwriting decisions. |
