- Montgomery Street, San Francisco, CA 94105
- H: (555) 432-1000
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Knowledgeable AVP, Branch Manager and Mortgage Underwriter. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Mortgage Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.
- Policy Compliance
- Corporate Presentations
- Consulting
- Budgeting
- Staff Management
- Policy quoting and pricing
- Policy renewal
- Debt-to-Income Ratios
| - Loss protection
- FNMA Guidelines
- Loan to Value Ratio Calculations
- FHLMC Guidelines
- Time management
- Business Development
- Data analysis
|
AVP, Branch Manager, 07/2019 - Current
Hingham Institution For Savings – Hingham, MA,
- Boosted branch sales by developing and deepening customer loyalty through incentive programs.
- Recruited, interviewed, hired and trained 15 employees and implemented mentoring program to promote positive feedback and engagement.
- Generated dramatic improvements across entire sales cycle, including prospecting, conversion and contract negotiation.
- Attended weekly meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.
- Supervised branch operations and made continuous improvements in each area.
- Set risk management policies to mitigate bank losses.
- Submitted loan applications to loan underwriter for verification and recommendation.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
Senior Mortgage Underwriter, 07/2016 - 04/2019
Alaskausa Mortgage Company – Palmer, AK,
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
Mortgage Loan Underwriter, 12/2015 - 07/2016
Ballston Spa National Bank – Guilderland, NY,
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Marketing Analyst, 03/2015 - 12/2015
Motion Recruitment – Newark, CA,
- Monitored user behavior and lead generation.
- Increased brand awareness through targeted initiatives.
- Reported performance and ROI of campaign media.
- Reviewed marketing department's monthly analysis of customer acquisition data and campaign performance and made recommendations for improvement.
- Analyzed third-party data and investigated new growth opportunities.
- Created and presented real-time reports on current market conditions to upper management.
- Informed supervisors and company leaders on markets and regional sales needs to best meet customer needs and maximize revenue.
- Worked closely with all product development departments to create and maintain marketing materials for sales presentations and client meetings.
- Developed campaigns and specific marketing strategies for clients.
- Identified appropriate marketing channels and target customers for campaigns.
- Coordinated with social media, public relations and other teams to execute product introductions.
Master of Arts: Marketing, Expected in 01/2015
-
Webster University - St Louis, MO
GPA:
- Certified Google Analytics.
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