High energy, well-qualified mortgage professional adaptive to changing market conditions. Demonstrated ability to provide high quality Government and Conventional loan decisions with a focus on revenue, high customer satisfaction, and accuracy. Result driven leader with a record of surpassing goals while maintaining accuracy in a fast paced environment. Passionate about loan quality and home ownership. Recognized for outstanding leadership. Superb oral and written communication skills.
Underwrite residential mortgage loans in accordance with FHA/HUD, Fannie Mae, Freddie Mac, and internal guidelines ensuring compliance with company and investor standards. In-depth experience and complete knowledge of Conventional, FHA, and VA lending guidelines. Working knowledge of how guidelines relate to internal and investor guidelines. Communicate all investor guidelines to loan processors and sales associates. Make timely, accurate decisions on all transactions. Act as secondary review and escalation point for conventional loans and government loans as needed. Thorough knowledge of complex personal and business financial analysis and expertise in tax return and balance sheet analysis. Provide training/mentoring to underwriters, loan processors, and sale associates.
Underwrite, processed, and closed mortgage loan applications in accordance to all investor and internal guidelines. Analyzed all credit, income, asset, and collateral documentation for qualification and compliance. Managed work flow by interacting with customers, Realtors, appraisers, vendors, sales staff, and closing agents. Managed pipeline of 50-100 mortgage loan files within assigned credit authority.
Assisted Branch Manager in all daily operations of the retail bank branch at multiple locations. Preformed all compliance audits to insure daily operation procedures were followed correctly. Developed branch team to consistently exceed branch goals for growth in consumer and small business deposits, investments, loans, and bank products. Preformed HR related functions including interviewing, training, performance management, and termination.
As a Customer Service Representative performed daily vault settlement, ATM balancing. and night deposit transactions. Retained customer relationships by quickly and accurately processing transaction while recognizing additional needs for bank products and services.
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