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Click here or scroll down to respond to this candidateANGELACROMERCandidate's Name
PHONE NUMBER AVAILABLEEMAIL AVAILABLESan Antonio, TX Street Address
CONTACTSKILLS Documentation Review Relationship Building Analyzing data Quality AssuranceProven Underwriter and First Mortgage Processor with over two decades of experience, specializing in VA and conventional loans. Excelled at Pentagon Federal Credit Union and USAA, demonstrating expertise in documentation review and fostering strong relationships. Achieved less than 1% error rate in loan reviews, showcasing analytical prowess and a commitment to quality assurance.Detail-oriented professional with proven track record of success in providing accurate and timely underwriting decisions for a variety of insurance products. Skilled in utilizing data analysis to evaluate and assess risk potential and develop underwriting guidelines to meet company objectives. Adept at working with clients to ensure proper coverage and to minimize potential losses. PROFESSIONAL SUMMARYUnderwriterPentagon Federal Credit UnionEXPERIENCEOctober 2020 - July 2024Acquired lending authority for VA Interest Rate Reduction Refinance Loans(IRRRL) Acquired Lending Authority for Conventional loans Acquired Lending Authority for HELOC loans Proficient in conducting comprehensive financial risk assessments Experienced in using advanced risk assessment software for accurate evaluationsSkilled in financial analysis and policy evaluation for precise underwriting decisions in reviewing documentationVerifying income, Reviewed Credit history, evaluating current assets and outstanding debt, Reviewed Homeowners insurance policies, Appraisal Review, title commitment reviews Detailed oriented and strong organizational skills Cleared and discussed loan conditions with mortgage partners Utilizing allregs and procedures for guidelines for compliance Collaborating with Loan processors, Loan Officers and other Mortgage professionals on loans for completionMentored Loan processors for knowledge gaps within the mortgage/HELOC process and/or documentation requirements Low percentage post closing Quality Review errors Offered Counter-offers per HELOC guidelines Decisioned loans based on allregs and procedural guidelines. First Mortgage ProcessorUnited Service Automobile Association (USAA)November 2003 - October 2020Provides quality processing of Conventional first mortgages and VA Loans, from point of application to final approval Conventional lending authority achieved in 2004 Reviews files for adherence to underwriting standards Approves loans in accordance with Bank standards and/or investor guidelines by obtaining data VA lending Authority achieved in 2006 Chosen as a SME for a new VA team after acquiring Lending Authority in 2006 Acquired VA IRRRL lending Authority in 2009 Awarded all 4 quarters for the Rock star Award for 2009 Processor of the month Awards received for recognition Continue to receive awards Act as a SME on prior team and current teamAssist teammates in underwriting their loans to help achieve their lending authorityAssisting in managing team in 2012 without manager or senior on team and had acknowledgment from upper managementAbility to jump in and assist when teammates are out of the office to help out on their pipelinesAssisted in reviewing loans for Contractors for 2009 surge from Phoenix and San Antonio Assisted training for new processors for contracting teams Assist seniors in their duties on a daily basis Engage consistently in providing ideas for process improvements Awarded a promotion to a Processor I in 2009 despite USAA having a huge surge of volume Ability to maintain SLO's with consistency Less than 1% errors on Loan reviews for 2009 with lending authority Ability to listen and communicate with verbal and written skills effectively with both coworkers and members Have contact with external partnersAbility to demonstrate leadership experience as a source of Knowledge from my Peers Ability to utilize Office Tools and applicable systems to do my job efficiently Continue to be awarded in 2017 for excellent performance Received an annual evaluation an Exceeds Expectation in both 2009 and 2010 Assisting with Underwriting in webex in 2017 for collaboration from Processing Experience with TRID requirements Provide updates to team from Huddle TopicsApproximately 17 years of experience to clearly explain loan conditions to borrowers and loan officersExperience working Directly with the borrower, loan officer, underwriting, title, closing and vendors Ability to quickly calculate income for various types of borrowers Experience delivering clean, complete and accurate files to underwriting and closingAbility maintaining a high level of customer service with strong communication skills and with professionalism SAFE Act Certified.Bachelor of Arts in SociologyUniversity of Texas at San Antonio, San Antonio, Texas Associate of Arts in General StudiesPanama Canal College, Balboa, Repulblic of PanamaEDUCATIONDecember 1999June 1994CERTIFICATIONS NMLS# 429092 Inactive due to most recent position. |
