Details-Focused Leader Committed to Ethics and Integrity; Contributes Expertise in Underwriting, Due Diligence, Compliance, Risk Assessment, Retail / Wholesale Loans, and Conforming / Non-Conforming Loans

Highly Accomplished Mortgage Underwriter who makes decisions to reflect positively on high-volume financial operations in alignment with a compaxxxxxx s vision, value, and goals, and who works to attain a competitive advantage and generate robust employer growth via solutions-centric critical thinking for insightful, change-driven results. Visionary Professional who rises above core challenges to improve the bottom line and facilitate volume growth while preserving book-of-business quality. Ambitious Self-Starter who quickly adapts to evolving lending scenarios to optimize resources and reach high profit and productivity levels, as well as independently resolving in-depth loan-specific issues. Excellent Communicator who develops synergistic relationships with senior-level decision-makers, underwriting / financial staff, regulatory agencies, and clients / customers; who excels in fast-paced autonomous and collaborative work environments; and who leads peers by example and with integrity.

Career Highlights Include:

  Continually demonstrating attention-to-detail and strong multitasking skills.

  Actively complying with strict lending, underwriting, and government requirements.

  Building top-notch teams via targeted training / development and coaching / mentoring.

  Minimizing risk while maximizing profits via expert balancing of loan-volume growth efforts.

  Serving as a Subject Matter Expert resolving difficult challenges and handling escalated calls.

  Improving productivity and efficiency by proactively streamlining and re-engineering processes.

  Leveraging knowledge of loan products to restructure turned-down loans for subsequent approvals.

Consumer Loan Underwriter

• Capitalized on the opportunity to lead forward-thinking consumer loan underwriting initiatives, including expertly reviewing, analyzing, approving, and underwriting large-scale, unusual, and / or complex loans.
• Led targeted review of comprehensive financial statements, tax returns, credit reports, and income and assets documentation, including ensuring documents were consistent with compaxxxxxx and industry guidelines.
• Ensured seamless operational processes by examining transactions and ensuring document accuracy.
• Built and sustained highly productive relationships with clients / loan processors and representatives.

Independent Contractor

• Utilized broad scope of industry knowledge toward underwriting conforming and non-conforming loans for multiple brokers while objectively reviewing applicants credit histories, financial statements, and other data.
• Efficiently interpreted and analyzed highly complex tax returns and financial documents.
• Submitted conditions in communications with loan officers / lenders for loan closings.

Medical Records Clerk (Temporary Role)

• Optimized administrative efficiency by promptly pulling charts, printing out notes, and filing charts.
• Cost-effectively managed, monitored, and ordered supplies, and updated daily schedules.

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Office Assistant (Temporary Role)

• Delivered quality-focused administrative and operational support for the town s recreational facilities, including facilitating miscellaneous office duties (i.e. data entry, supplies management, payroll timesheets).
• Accurately scheduled and / or organized daily events, meetings, and / or functions for summer camps.

Senior Correspondent Underwriting

• Strategically steered review and analysis of loan applicants credit histories, financial statements, and other financial information to make quality decisions on closed Jumbo correspondent loans, including interpreting and analyzing tax returns and financial documents while promoting superior customer service.
• Resourcefully interfaced with teams as a go-to mentor responding to and / or resolving key challenges, including leading staff training / development on understanding tax returns / financial statements.

Consumer ￨ Retail Loan Underwriter IV (2012 2013)

• Expertly reviewed, analyzed, approved, and underwrote complex, unusual, and / or large-scale individual consumer requests within compaxxxxxx and industry guidelines, including accurately underwriting Harp Loans, FNMA / FHLMC Loans, and Imaged Loans, as well as clearing conditions, completing loans for pre-close, and comprehensively examining transactions to ensure ongoing accuracy and completeness of data.
• Executed second-level reviews on loans submitted for denial, cancellation, second signature, and counteroffers, and led sophisticated reviews and analysis while performing high-cost, APR, amount financed, and state predatory tests in adherence to a strict compliance review system.
• Coached junior underwriters on departmental policies, processes, and procedures, including training staff while continually providing performance feedback to supervisors to boost success.

Mortgage Interim Loan Underwriter IV ￨ Compliance ￨ Quality Control (2012)

• Contributed sharp analytical abilities toward reviewing, evaluating, approving, and underwriting complex individual consumer requests and products within wide-ranging compaxxxxxx and industry guidelines.
• Comprehensively examined detailed transactions and ensured core accuracy and completeness.
• Built productive operations by mentoring junior underwriters and assisting with career development.

Senior Mortgage Underwriter (1995 2001 ￨ 2001 2003 ￨ 2004 2012)

• Played a vital role in underwriting wholesale broker loans and conforming / non-conforming loans to meet Wells Fargo and FNMA / FHLMC guidelines, including communicating with broker and loan officer, clearing underwriting conditions, and automating programs LP / DU and E-Magic in alignment with key objectives.
• Imaged documents for self-employed / salaried borrowers, Harp Loan Program, and Co-op / Condo Loans.
• Ensured loan submittals met eligibility, and evaluated financial strength of borrowers to determine risk.
• Demonstrated solid communication talents toward building relationships with borrowers, loan processors, loan originators, and management throughout all phases of the underwriting process to meet goals.

LP ￨ DU ￨ E-Magic LP / DU ￨ GE Au Central

Cloud / LPS Programs ￨ LSI ￨ Net Oxygen ￨ Encompass

LexisNexis ￨ LoanSafe ￨ CoreLogic ￨ Imaged Document Review

Excellent Professional References Provided Upon Request