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Skills

  • Experian Transact SM
  • Fannie Mae and Freddie Mac guideline compliance
  • Escalation resolution
  • Appraisal report analysis
  • Customer service
  • First Aid/CPR
  • Financial transactions expertise
  • Category equipment
  • MS Office
  • Income verification and analysis

Work Experiences

  • Contributed to the underwriting of jumbo conventional loans.
  • Went over 4 financial statements in the past year and reviewed them.
  • Analyzed risk factors in self-employed borrower profiles.
  • Analyzed risk factors in self-employed borrower profiles with complex tax returns, resulting in a 50% increase in loan closure rates for this borrower segment.
  • Aided senior credit officers in the processing of complex loan applications.
  • Contributed to the underwriting of high-balance and jumbo conventional loans, driving a 60% growth in the premium loan portfolio.
  • Achieved Innovation Award for underwriting accuracy by maintaining consistent loan approval quality with an error rate of less than 49% over 2023.
  • Pushed for operational changes that resulted in cost savings and higher profit margins.
  • Collaborated on the beta testing of an AI-based underwriting model, resulting in 43% faster decisions and more accurate loan risk assessments.
  • Contributed to the underwriting of high-balance loans.

Summaries

  • Decreased loan error rates.
  • Conventional Loan Underwriter with a hands-on approach to managing high-balance and jumbo loan portfolios, driving growth in premium loan sectors.
  • Clear understanding of client relations and workflow optimization as well as vendor management training.
  • Contributed to market-appropriate loan approvals.
  • Excellent track record of resolving issues, increasing customer satisfaction, and driving overall operational improvements.
  • Collaborative team player with extensive experience working alongside sales, processing, and compliance teams to structure and approve customized loan solutions.
  • Within Miscellaneous, senior Conventional Loan Underwriter and outstanding performer in client relations and workflow optimization.
  • Recognized for motivating management team members to achieve their goals and fostering innovative work environments.
  • Adhered to Fannie Mae and Freddie Mac guidelines.
  • Cut loan processing delays in half.

Accomplishments

  • Reduced average loan processing time by 74% through process optimization, directly contributing to Vantage closing 12 more loans per quarter.
  • Created a borrower risk assessment model focused on analyzing key financial factors for self-employed and unique income earners, which improved loan evaluation accuracy by 36% %.
  • Enhanced loan resubmission and exception review processes, resulting in an increase in previously declined loans being approved by 47% %.
  • Used Microsoft Excel to develop inventory tracking spreadsheets.
  • Accurately underwrote over 13 conventional loans per month, maintaining compliance with both firm policies and Fannie Mae and Freddie Mac guidelines.
  • Conducted detailed reviews of credit reports, income, and asset verifications to ensure GSE (Fannie Mae/Freddie Mac) compliance on all conventional loan submissions.
  • Investigated and resolved complex borrower inconsistencies in income and asset documentation, saving the lender over $$61,000 and reducing default risk.
  • Led internal audits of high-value loans, with a focus on compliance with internal risk standards, reducing compliance-related escalations by 70% over 2016.
  • Consistently met or exceeded production quotas, underwriting on average 16 loans per month while reducing loan submission to decision time to 18 days.
  • Monitored and reviewed conventional loans with the potential for high-risk defaults, stopping over $$66,000 in potential losses each quarter.

Affiliations

  • National Association of Real Estate Appraisers (NAREA)
  • National Association of Social Workers
  • Commercial Real Estate Finance Council (CREFC)
  • Professional Risk Managers' International Association (PRMIA)
  • Association for Supply Chain Management (APICS)
  • American Society of Appraisers – Accredited Member
  • Certified Residential Mortgage Specialist (CRMS)
  • Association for Computing Machinery
  • Certified Mortgage Specialists (CMS) Club
  • Freemason

Certifications

  • Certified Business Analysis Professional (CBAP)
  • Certified Public Accountant
  • Appraisal Review Specialist Certification
  • HUD Direct Endorsement (D.E.) Certified
  • Fair Lending Specialist (FLS)
  • Freddie Mac Loan Processing Certification
  • Federal Housing Finance Agency (FHFA) Compliance Certification
  • Salesforce
  • National Underwriter Certification (NUC)
  • NMLS Registered Loan Originator Certification

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