| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidateCandidate's Name
SENIOR UNDERWRITERBloomfield Hills, MI 48304 EMAIL AVAILABLE 248-368-9789 https://LINKEDIN LINK AVAILABLE ProfileStrategic, dedicated, and results-driven underwriting and mortgage lending expert with over three decades of experience in underwriting, data analysis, financial management, mortgage loans, and process enhancement. Equipped with outstanding interpersonal communication skills to liaise and collaborate with business leaders, stakeholders, executives, and managers in acquiring customer and market insights. A multitasker and collaborator, demonstrating strong customer focus. Streamline organizational structures and processes through effective leadership and organization. Leverage a strong work ethic, accountability, professionalism, positive attitude, and integrity to drive corporate growth and development. Core ExpertiseUnderwriting Mortgage Loan Management Personal & Business Tax Returns Evaluation Profit & Loss Statements Data Governance GSE Underwriting Guidelines Quality Control Fannie Mae, Freddie Mac & Jumbo Loans State Housing Finance Authority Bond Loans Loan Risk Assessment Real Estate Lending Relationship Management Skills Pipeline Management Problem Solving People Management Exceptional Verbal and Written Communication Skills Analytical Thinking Time Management Skills Attention to Detail Private Mortgage Insurance Expert Technical Skills: Salesforce AUS (FNMA/FHLMC) Workday Microsoft Office (Word, Excel PowerPoint & Outlook) JPMorgan Chase - Rochester Hills, MI 07/2023 - present ASSOCIATE BANKER Engages clients as they enter the branch, managing lobby traffic, checking clients into the waiting queue and scheduling/ canceling client meetings Assist clients with various transactions such as deposits, withdrawals, payments, direct deposit set up. Also assist with account maintenance and making sure all banking policies, procedures, and regulatory and banking requirements were in compliance. Educates clients on the usage of technology self-service options such as leveraging the Chase Mobile App, Chase.com, and ATMs to complete their banking needs. Assists clients and the branch team with new account openings. Performs branch operations which may include managing cash devices such as the cash vault, ATM, or others while adhering to all bank policies and proceduresSwift Home Loans - Birmingham, MI 08/2022 - 10/2022 SENIOR LOAN PROCESSOR Perform initial appraisal of potential borrowers by thoroughly examining their applications Assess the credit standings of applicants through background research Interview applicants to evaluate their eligibility for loan or mortgage Follow up with clients to clarify important points Give the green light to eligible candidates and report decisions with sound arguments Finalize loan contracts and keep clients informed in rules and obligations Remain up to speed regarding lending and other financial services Create and renew records when necessary Identify customer needs, explore all options and suggest different types of loans when applicable Cultivate trustworthy referral networks, suggest alternate channels and cross-sell products and services Forge trust relationships and enhance customer dedication Work within established regulations and adhere to law requirements at all times Act as point of contact between loan officers, underwriters, realtors, and clients Conduct a final review of the file before closing MGIC Milwaukee, WI 07/1997 08/2022TEAM LEAD (SR UNDERWRITER) Delivered efficiencies as a second-level reviewer for high-risk transactions and declinations; facilitated credit decisions. Improved processes in managing eleven(11) staff, performing audit reviews, repurchase requests, and credit decision facilitation, and overseeing newly hired underwriters/support staff Managed support desk which handled product and underwriting inquiries Enhanced initiatives in keeping management apprised of workflow developments. Ensured 100% compliance with tasks assigned to the underwriting team to respond to procedural, product, guides, and system queries efficiently. Strategized opportunities to enhance client communications to escalate transactions from underwriters successfully. Advanced various training by imparting best practices and creating job aid Optimized knowledge of secondary market guidelines, including FNMA/FHLMC, lender-specific portfolio products, state-specific programs, and Jumbo products Evaluated and Verified client profiles, credit strengths, income, assets, property characteristics, and other information essential to the credit decisions. Implemented new regulations and policies, utilizing expertise to improve and maintain quality-underwriting services. Strategized independent decisions regarding the acceptability of loan files and approval or denial of loan applications. Ensured 100% information compliance with lending guidelines and standards to analyze loan files critically. Prevented future issues by assessing red flags, suspicious activities, and unethical lending per established standards Delivered 100% service level objectives and responded to underwriting questions from internal and external customers. Attained defined targets and goals by facilitating technical troubleshooting with Flagstar Bank LOS Earlier Careers: UNDERWRITER, Flagstar Bank Bloomfield Hills, MI SR MORTGAGE LENDING PROCESSOR HOME EQUITY PROCESSOR & CLOSER/POST CLOSER, CONSTRUCTION LOAN PROCESSOR/INSPECTION DRAW SPECIALIST, Franklin Bank Southfield, MI Education & Professional Development University of Michigan Dearborn, MI STATE LICENSE Nationwide Multi-state Licensing System (NMLS) Certified FHA Manual Underwriter (NAMU-CFMU) Member of Chaldean American Chamber of Commerce |
