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Skills

  • Problem resolution
  • Loan portfolio analysis and management
  • Regulatory compliance
  • Relationship development
  • Practiced at FHA loan process
  • Organization
  • Fannie Mae, Freddie Mac guidelines understanding
  • Loan approval rate optimization
  • Process improvement
  • Policy and procedure development

Work Experiences

  • Approved eligible applications within specified guidelines.
  • Adhered to stringent credit risk guidelines.
  • Addressed adverse findings in borrower profiles.
  • Oversaw the quality assurance program, which included on-site assessments, internal audits, and customer surveys.
  • Closed loans worth over $16 in 2019.
  • Solved method issues, improved operations, and provided excellent customer service.
  • Analyzed applicant profiles and made strategic recommendations to upper management on approving or denying loans worth over $17.
  • Authored and implemented risk assessment protocols, enhancing early fraud detection and document verification efficiency by 83%.
  • Achieved Excellence Award for loan error reduction.
  • Had an excellent attendance record and was always on time for work.

Summaries

  • Achieved a 51% improvement in loan review quality.
  • Achieved an average loan approval turnaround of 16 days.
  • Excellent communication and analytical skills.
  • Adept at responding to market shifts.
  • Achieved recognition as an industry expert in underwriting FHA and VA loan products while ensuring compliance with stringent regulatory requirements, enhancing department efficiency by 50%.
  • Within Insurance, senior Senior Mortgage Loan Underwriter and outstanding performer in performance reporting and risk assessment.
  • Excellent track record of resolving issues, increasing customer satisfaction, and driving overall operational improvements.
  • Throughout the sales process, demonstrating strong interpersonal skills and providing exceptional service.
  • Achieved recognition as an industry expert in underwriting FHA and VA loan products.
  • Achieved a 35% compliance rate with regulations.

Accomplishments

  • Advised finance team on structuring mortgage loan products for high-net-worth clients, resulting in a 23% increase in client retention.
  • Assessed and recommended approval or denial of loans ranging from $10 to $3 across various property types and risk profiles.
  • Collaborated with third-party vendors, reducing appraisal delivery completion time by 36% and expediting several multi-million-dollar loan deals.
  • Trained underwriters in customer-focused risk evaluation approaches, leading to a 76% improvement in customer satisfaction ratings.
  • Collaborated with team of 12 in the development of process.
  • Successfully negotiated risk mitigation strategies with key investors and closed over $13 in loans, safeguarding portfolio profitability and limit losses.
  • Improved loan portfolio performance by overseeing risk strategies that reduced delinquency rate by 70%, while maintaining compliance with industry regulations.
  • Liaised with real estate brokers, title companies, and brokers, which led to on-time loan closings in 28% of transactions.
  • Developed and implemented loan underwriting policies that captured an additional $8 in new loans and improved annual portfolio growth by 28%.
  • Used Microsoft Excel to develop inventory tracking spreadsheets.

Affiliations

  • Freemason
  • American Medical Informatics Association
  • Commercial Real Estate Finance Council (CREFC) – Real Estate Lending and Underwriting Segment
  • National Association of Mortgage Underwriters (NAMU)
  • Council of Residential Specialists (CRS) – Mortgage Market Trends Specialist
  • National Consumer Reporting Association (NCRA) – Best Practices for Credit Reporting in Mortgage Underwriting
  • Graduate of metric with Focus in Finance and Mortgage Lending Compliance 2022
  • Financial Industry Regulatory Authority (FINRA) - Mortgage Compliance and Ethics Certification
  • Real Estate Finance and Mortgage Lending Focus Group – Seattle Chapter
  • Institute of Internal Auditors (IIA) – Focus on Regulatory Compliance in Mortgage Underwriting

Certifications

  • SHRM Certified Professional (SHRM-CP)
  • Certified Risk and Compliance Management Professional (CRCMP)
  • Appraisal Review Certification for Underwriters - Summit Group
  • Cisco Certified Internetwork Expert (CCIE)
  • Dodd-Frank Mortgage Underwriting Compliance Certification - Northwind
  • Veterans Affairs (VA) Lender Appraisal Processing Program (LAPP) Certification
  • Certified Anti-Money Laundering Specialist (CAMS)
  • CFA Institute Investment Foundations Certificate
  • Certified Mortgage Compliance Professional (CMCP) - Summit Group
  • Cisco Certified Network Associate (CCNA)

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