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Skills

  • Complex problem-solving skills
  • Business operations
  • Advanced knowledge of TRID and RESPA regulations
  • Loan documentation verification
  • Applicant financial profile review
  • FHA, VA, USDA loan underwriting
  • Financial transactions expertise
  • Practiced at FHA loan process
  • Advanced Excel for Financial Modeling
  • Manual credit analysis

Work Experiences

  • Answered 12 calls per three years to help customers with their questions and concerns.
  • Achieved results in one year.
  • Achieved a 61% reduction in approval times.
  • Achieved Excellence Award for compliance accuracy.
  • Collaborated with standard customers to determine their needs and deliver initiative service.
  • Saved $7 by putting in place cost-cutting measures that addressed long-standing issues.
  • Achieved Outstanding Service Award for consistently meeting underwriting turnaround times of under 10 hours, setting a company-wide standard.
  • Approved or denied mortgage loan applications.
  • Analyzed second mortgage applications.
  • Developed new loan prospects by making weekly cold calls to 4 people.

Summaries

  • Achieved results within 18 months.
  • Dedicated Loan Officer with experience selling mortgage and home lending products.
  • Consistently closed loans within 14 days.
  • Assessed credit scores.
  • Applied expert knowledge of loan documentation review, financial analysis, and client assessments, processing high-quality loans consistently with 28% fewer errors.
  • Dedicated to learning, growing, and succeeding in Miscellaneous.
  • Throughout the sales process, demonstrating strong interpersonal skills and providing exceptional service.
  • Consistently approved or denied mortgage loan applications based on detailed evaluation of financial profiles, credit scores, and debt-to-income ratios.
  • Closed over $8 in mortgage loans.
  • Approved or denied mortgage loan applications.

Accomplishments

  • Collaborated with stakeholders across departments to ensure smooth and on-time processing for over 11 loans per month.
  • Led weekly meetings with cross-functional teams to improve loan approval strategies, resulting in a 51% reduction in backlog.
  • Developed and implemented stricter review policies that reduced default rates by 63% on approved loans.
  • Analyzed applicant creditworthiness and provided recommendations to improve approval-to-close rates by 65%, streamlining workflow.
  • Collaborated with multiple departments to process and close $3 in residential and commercial loans in 2018, exceeding department goals.
  • Improved team performance by developing training materials for compliance and underwriting that helped reduce loan error rates by 70%.
  • Proactively identified high-risk loans and provided mitigation strategies to reduce exposure, ensuring compliance with company risk appetite.
  • Evaluated complex jumbo loan applications and developed methodologies for the accurate assessment of risk, ensuring portfolio stability.
  • Ensured compliance with TRID, RESPA, and other federal and state regulations while underwriting 14 loans monthly.
  • Achieved 18% success rate in underwriting loans while consistently adhering to company and regulatory guidelines.

Affiliations

  • Contributor to the Mortgage Processing and Risk Mitigation Professionals Consortium (2017)
  • Association for Supply Chain Management (APICS)
  • Active in the Fannie Mae & Freddie Mac Lending Practice Panel since 2021
  • Active participant in the National Association of Mortgage Underwriters (NAMU) – Joined in 2019
  • Association for Computing Machinery
  • Certification Holder of State-Regulated Mortgage Compliance Officer Program, Colorado, since 2019
  • Participant in the Consumer Financial Protection Bureau’s Mortgage Compliance Taskforce (2017-present)
  • Active participant in the FHA Underwriting Guidelines Committee – Joined in 2015
  • Presenter at State Licensing Authorities Underwriting Professional Seminar (2016)
  • Frequent contributor to the Mortgage Underwriting Professionals Network – Joined in 2020

Certifications

  • SHRM Senior Certified Professional (SHRM-SCP)
  • ServSafe
  • Project Management Professional (PMP)
  • CompTIA Network+
  • Commercial Real Estate Finance (CREF) Certification - category, 2017
  • Appraisal and Fraud Risk Analysis Certification - system, 2023
  • Cisco Certified Network Associate (CCNA)
  • Freddie Mac Loan Origination System Training - metric, 2024
  • SHRM Certified Professional (SHRM-CP)
  • Commercial Mortgage Underwriter (CMU) Certification - Vantage, 2023

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