Accomplished Lending Professional eager to contribute 15 years of evaluation, underwriting and processing experience to a progressive organization.

• Regarded for ability to evaluate client credit standing and accurately determine loan eligibility.
• Recognized for approving $4M in new business and increasing lending authority by 15%.
• Comprehensive understanding of the skills needed to anticipate, meet and exceed client expectations in a proactive and courteous manner.
• Proven capability to continually achieve and surpass existing goals.

Wells Fargo Bank, Charlotte, NC 2015

Consumer Loan Underwriter (Safe) 3

• Leveraged subject matter knowledge to strategically identify potential risks and accept loan applications.
• Cultivated positive relationships with internal and external customers by providing thorough support and inquiry resolution.
• Maintained quality control throughout loan processing operations, including verification, regulation adherence, fraud detection and data interpretation.
• Accurately documented loan rejections and appraisal/supports values.
• Strategically calculated eligibility throughout thorough analysis of credit reports, automated scores and applicable ratios.

USAA Federal Savings Bank, Phoenix, AZ 2007-2014

Home Equity & Mortgage Originator

• Received merit based promotion within first months of hire, due to strong leadership and analysis skills.
• Resourcefully determined loan eligibility based on ratio-to-value calculations, income evaluations and indebtedness.
• Identified needs and developed innovative, individualized solutions for various clients including military personnel and FHA clients.
• Strengthened industry knowledge throughout completion of multiple continuing education programs, as well as performance of in depth market trend research.
• Generated in depth reports to convey underwriting status to mortgage lending managers.
• Successfully obtained authority for conventional ($417K), VA ($625.5K) and home equity ($500K) loans and lines of credit, while underwriting 3-6 new loans per day.
• Provided top notch customer service by resolving inquiries, promoting products and services and educating clients on processes.

Union Federal Savings Bank, Indianapolis, IN 1999-2006

Senior Loan Processor / Junior Underwriter

• Collaborated extensively with sales department to maximize efficiency throughout daily underwriting operations.
• Key achievements included successful processing of 65+ mortgage applications and granting lending authority of $450k for $12k of conventional and governmental loans and refinancing.
• Heavily involved in full cycle underwriting processes, including client interactions, examination of title insurance policies and verification of judgements, tax liens and UCC searches.
• Strategically managed 1.9B sub-prime mortgages during height of national housing and lending crisis.

Nationwide Mortgage Licensing System, #428626

Professional Courses, Mortgage University

Professional Courses, FHA Online University

Associate of Science in Business Education, Hinds Community College, Jackson, MS

Undergraduate Coursework Completed, Indiana University / Purdue University of Indianapolis, Indianapolis, IN