Profile

Experienced, process-driven professional with strong analytical skills and demonstrated abilities in process efficiencies, collaboration with all levels of leadership, and meticulous attention to detail.

Skills

Lending & Underwriting Guidelines | Credit & Income Analysis | Cash-Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios | Conventional & Government Mortgages | Conforming & Nonconforming Loans | ARMs | Loan Closing, Funding & Documentation | Account Service Excellence

Experience

Consolidated Analytics

Due Diligence Underwriter

2024

• Post close review of all kinds of mortgages for securitization purposes.
• Fully reviewed credit and compliance to ensure quality, including income, assets, credit, and appraisals, including for DSCR and bank statement income.
• Communicated findings in order to grade loans.

Collins Community Credit Union

Senior Underwriter, Mortgage Processor

2017-2023

• Analyzed income, credit, and asset documentation to ensure loan submissions followed compliance guidance for internal and external eligibility requirements.
• Instrumental in creating documentation of internal policy and procedures for areas that had been previously undocumented. Generated suggestions for process efficiencies and better overall structure.
• Maintained meticulous attention to detail in underwriting. Evaluated of the financial strength of borrower to determine risk and repayment capacity.
• Comfortable navigating multiple technology systems to complete tasks including various pricing engines and origination platforms.

Wells Fargo Home Mortgage

Mortgage Processor

2011-2017

Tracked progress of files using multiple reporting systems.

Managed a pipeline of mortgage applications.

Effectively communicated with internal business partners and external customers.

Requested documentation, cleared, and reviewed outstanding loan exceptions and monitored accuracy of information.