Consumer Loan Underwriter Iii Remote Auditor Resume Example

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Jessica Claire
  • Montgomery Street, San Francisco, CA 94105
  • H: (555) 432-1000
  • C:
  • Date of Birth:
  • India:
  • :
  • single:

Over 17 years of Mortgage Lending Experience, a talented and accomplished mortgage banking professional with extensive experience in loan origination, underwriting, and management; Expertise in identifying underwriting risk, credit analysis and sales; Highly knowledgeable in all mortgage and loan products and federal regulations ; Background in branch management and Compliance; Award-winning sales professional with consistent record of producing dramatic Increases in revenue; Adept at structuring and approving loans, managing sales professionals and promoting products and services; Strong customer service skills, able to work with clients to meet all financial requirements; Exceptional presentation and communication skills. Strengths Analyzing loan risk (First mortgage, Home equity loans, Bankruptcy Mortgage and Mortgage Back Securities files). Calculating and reviewing all levels of income (1040s, 1120s, 1065, financial statements, trust, paystubs, W2's). Identifying red flags. Achieved 0% error rate through diligent review of customer documentation, meticulous organization of required items, and careful decision making. Ability to thrive in a fast-paced, ever-changing environment with limited or no supervision. Qualified and resourceful financial professional with diverse expertise in private, government and corporate investment.Dynamic and reliable


Microsoft Office: Word, Excel and PowerPoint, LPS/Fidelity, PACER, Share Point, Early Registration, and CLARA

*Serve as a subject-matter expert, assisting with difficult problems and questions, handling escalated calls, providing work direction, and training to underwriting staff. Coach and mentor lower-level underwriters on decision-making and departmental processes and policies, and provide performance feedback to their supervisors




Consumer Loan Underwriter III (Remote/Auditor), 2013 to 11/2015
Bluecross Blueshield Of South Carolina Springfield, IL,
  • Performed risk analysis and made decisions regarding deficiencies identified during the review process Identified transaction components that indicated a potential for fraud and perform sufficient investigative work to resolve issues that were identified.
  • Recorded data and reviewed conclusions in system and professionally communicate the results of file reviews in written format.
  • Maintained a dynamic dialogue with senior management and an active role in evaluating and structuring transactions, utilizing Wells Fargo and the Private Investors' lender guidelines with signing authority up to $1.5M evaluating loan modification requests and can efficiently expedite modification approvals with strict attention given to the adherence of the institutions modification standards, policies, procedures and loss mitigation goals as well complying with the applicable HAMP, Bankruptcy, Mortgage Backed Securities, and Mediation loan modification guidelines.
Consumer Loan Underwriter III - 2ND LEVEL REVIEW (AUDITOR)., 03/2011 to 2013
Wells Fargo Home Mortgage City, STATE,
  • Developed and executed a robust Audit Plan, by reviewable entity, for assigned businesses in accordance with Internal Audit standards, relevant government statutes and regulations and Wells Fargo Home Mortgage and Government (HAMP) policies.
  • Wrote audit reports of varying scope and complexity that summarize audit findings, and make recommendations to correct areas of non-compliance.
  • Review/edit reports of less experienced staff members and provide guidance, coaching and training to less experienced Internal Auditors.
  • Evaluated and conducted comprehensive audits of financial records, operating procedures, and internal controls related to accounting for mortgage securities, loans, commitments, amortization debt, derivatives, and liquid investment portfolios.
  • Participated on cross-functional teams, special projects/assignments, typically in an advisory/expert capacity.
  • Bankruptcy Loans (Chapter 7, 11, and 13) & Mediation Loans.
  • Level D Sign of Authority ($1.5M), mentored and trained new-hire employees and junior auditors.
Sr.Loan Adjustor/Negotiator (Underwriter)., 05/2009 to 02/2011
Wells Fargo Home Mortgage City, STATE,
  • Analyzed and determined best course of action on delinquent or potentially delinquent mortgage loans.
  • Underwrote loans through the selected projects (NACA, SAVE THE DREAM, and WELLS FARGO HOME PRESERVATION CONVENTIONS).
  • Gained extensive knowledge of various investor groups such as: Fannie Mae, Freddie Mac, FHA, VA, and Bank & Private Portfolios.
  • Partnered with Risk Management to analyze credit information and restructure complex, problem loans.
  • Reviewed all levels of personal, rental, & business income (1040s, 1120s.
  • 1065, financial statements, paystubs, W2's), asset documents (401k, checking, savings, stocks, bonds) and credit reports.
  • Possessed a broad and comprehensive understanding of different Internal Audit standards, policies and local regulations; applied a broad and comprehensive knowledge of high risk areas primarily linked to Consumer Banking Global Mortgage functions associated with the Mortgage Default Servicing businesses, as well as regulatory compliance and supplier management risks associated with these functions.
Loan Adjustor Specialist, 06/2008 to 05/2009
Wells Fargo Home Mortgage City, STATE,
  • Reviewed borrowers for credit worthiness, willingness and ability to wrap debts while mitigating risks to the bank.
  • Assisted existing borrowers who may be experiencing difficulty meeting their monthly financial obligations by skillfully probing and evaluating borrowers for various workout programs, including loan modifications Day to day functions included reviewing credit applications, credit bureau information, collateral valuation, tax returns, financial statements, appraisals and titles to recommend/approve requests within appointed authority.
  • Contacted customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision.
  • Supported all operations of the loan process while maintaining optimum client relationships.
Account Executive, 03/2003 to 10/2007
CIT Consumer Finance City, STATE,
  • Reviewed, analyzed, approved and underwrote consumer real estate loans within company and industry guidelines Reviewed all levels of personal, rental, & business income (1040s, 1120s.
  • 1065, financial statements, paystubs, W2's), asset documents (401k, checking, savings, stocks, bonds) and credit reports Restructured loans as needed to meet secondary market guidelines.
  • Documented and communicated decisions to Mortgage Brokers, underwriters, management and loan processors.
  • Utilized referrals and company provided sales leads to offer Mortgage Brokers a variety of financial services and products including Purchased Money loans, ALTA-A, Fannie Mae, Freddie Mac, FHA, VA Loans, and Home Equity Lines.
  • Maintained and managed a working relationship with the Mortgage Broker Community.
  • Contacted clients on a daily basis optimizing the client's experience using all modes of communication.
  • Mentored and fielded questions from Mortgage Brokers about our underwriting guidelines.
Bachelor of Science Degree: Sports Administration Business Administration, Expected in
UNIVERSITY of South Carolina - Columbia, SC

Major: Sports Administration Minor: Business Administration


Baseball, Basketball, and Football

Additional Information
  • Mortgage Loan Underwriting
  • Conventional Loan
  • Sub Prime Underwriting
  • Reviewing Financial Statement

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Resume Overview

School Attended
  • UNIVERSITY of South Carolina
Job Titles Held:
  • Consumer Loan Underwriter III (Remote/Auditor)
  • Consumer Loan Underwriter III - 2ND LEVEL REVIEW (AUDITOR).
  • Sr.Loan Adjustor/Negotiator (Underwriter).
  • Loan Adjustor Specialist
  • Account Executive
  • Bachelor of Science Degree

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