Livecareer-Resume
Jessica
Claire
resumesample@example.com
(555) 432-1000,
, , 100 Montgomery St. 10th Floor
:
Professional Summary

Charismatic, Self starting, Self motivated, individual focused on business opportunities by delivering exemplary service through understanding of each client's individual needs. A respectful and respected professional with exceptional knowledge mortgage, finance, and banking. Seeking a new position as a Trainer with a great organization.

Skills
  • Detail-oriented
  • Call center experience
  • Windows 10
  • Outlook
  • Powerpoint
  • Sharepoint
  • AS400
  • Homebase
  • Black Knight
  • LPS Desktop
  • Financial analysis
  • Printer, copier, scanner, fax
  • Mortgage Underwriting
  • Loan Processing
  • MSP
  • CMS
  • Lexis Nexis
  • Falcon / Vision
  • Collections
  • Empower
  • Customer service
  • Mortgage servicing
  • Loan Servicing
  • Consumer banking specialist
  • Analytical thinking
  • Risk
  • Compliance
  • Controls
  • Auto
  • Financial Advisor
  • Relationship Manager
  • Training
  • Project Management
  • Leadership Roles
  • People-oriented
  • Expertise in Excel
  • Forward-thinking
  • Financial modeling
  • Excellent time management skills and time blocking
  • Goal-oriented
  • Training & Development
  • Collaboration
  • Cultural awareness
  • Interpersonal Communication
  • Reading comprehension
  • Compassion
  • Troubleshooting
  • Relationship-Building
  • Priority management
Education
Strayer University Dallas, TX Expected in BBA : Business Administration - GPA :

Still attending

International Organization For Project Management , Expected in 09/2019 Certification : Project Management - GPA :
National Association of Mortgage Underwriting , Expected in 06/2019 Certification : Mortgage Underwriting - GPA :
Strayer University Dallas, TX, Expected in 04/2019 Certification : The Essentials of Managing Conflict - GPA :
Strayer University Dallas, TX, Expected in 04/2019 Certification : Developing Effective Teams - GPA :
Skyline High School Dallas, TX Expected in 2005 High School Diploma : - GPA :
Work History
City National Bank Of West Virginia - Mortgage Loan Processor & Underwriter Trainer
Ranson, WV, 11/2020 - Current
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering FHA, VA, Conventional, Refinance, Purchase, Reverse, loans.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Coordinated closing process with attorneys, title companies and government clerks.
  • Evaluated approvals against established bank and government lending standards.
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Set up and completed loan submission packages.
  • Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
  • Assisted Management, VP's, and Senior level Executives and VP's by calculating group and individual renewal rates based on customers' background, industry and demographic information.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
  • Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
  • Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
  • Applied grades to each loan application based on established criteria to keep institutional risk low.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
  • Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
  • Provided high level of assistance to Processors, Underwriters, Trainers, and Management helping with review, classification, coding and rating of applications.
  • Supported review and acceptance or denial of new or renewal business.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Met with customers, agents and brokers to negotiate coverage, price and service delivery.
  • Calculated group and individual renewal rates based on customers background, industry and demographic information.
  • Review Refinance and Purchase mortgages and defended lenders from FNMA, FHLMC and MI claims.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Drivetime Financial - Senior Collector II / Senior Loan Advisor
City, STATE, 03/2016 - 01/2020
  • Performed proper calculations and prepared payoff figures
  • Reviewed collection reports to determine the status of collections and the amounts of outstanding balances
  • Trained new team members on scripts, company services and performance strategies
  • Used skip tracing and other techniques to locate debtors
  • Set up drafts and processed immediate payments
  • Monitored accounts for compliance with established payment plans
  • Followed up with customers to collect information and verify details
  • Achieved performance goals on a consistent basis
  • Provided reinstatement and payoff quotes to clients
  • Handled various accounting transactions
  • Advised, educated, and counseled clients on their car loan
  • Maintained friendly and professional customer interactions
  • Collected member loan payments
  • Utilized scripted conversation prompts to convey current account information and obtain payments
  • Worked in call center environment handling manual and automatically dialed inbound and outbound calls
  • Trained new collections representatives on collections processes and incentivized team members to achieve production goals
  • Negotiated with accountholders to devise repayment plans and minimize collections receivables
  • Maintained compliance with fair debt practices and regulatory guidelines
  • Persistently reached out to customers with extremely past due accounts to recover lost revenue
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action
JP Morgan Chase Bank - Relationship Coordinator / Mortgage Underwriter
City, STATE, 10/2011 - 11/2018
  • Daily pipeline management and maintaining SLA
  • Meet all quality metrics as communicated by management
  • Proficient in all investor and company guidelines
  • Ensures adherence to policies, guidelines and procedures as well as compliance regulations (HMDA, TILA, RESPA, HOEPA, FCRA and ECOA) and credit guidelines
  • Assist with renegotiation of loans base on credit guidelines
  • Analyze customer's loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation
  • Proficiency with computer systems including MS Office (Word, Excel, and Outlook), Internet Browsers, and email functions required
  • Mentor and train junior staff
  • Thorough knowledge of complex personal and/or business financials and the ability to review complicated tax profiles
  • Ability to meet deadlines and work in a fast-paced environment and demonstrate a proven track record of multi-tasking
  • Ability to decision 50+ files, (or) 40+ funded loans per month
Bank Of America - Mortgage Underwriter
City, STATE, 11/2008 - 08/2011
  • Responsible for adhering to the targeted underwriting turn-time requirements, while also assisting in the exception process in order to meet customer closing expectations on a case-by-case basis. Proactively communicates with their manager in the event turn-time expectations cannot be met
  • Created profitable and efficient solutions
  • Reviews loan files to validate that all requirements of Bank of America's product descriptions have been met and the loan is underwritten in accordance to investor and/or applicable agency (FNMA, FHLMC, FHA, VA, USDA) guidelines
  • Insures that any loan file underwritten is within their authority as defined by their direct manager
  • Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans
  • Assessed clients' financial data to determine loan suitability
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process
  • Evaluated pay stubs, credit history, tax information and bank statements for financial status
  • Observed all regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches
  • Recommended loan approvals and denials based on customer loan application reviews
  • Assisted senior-level credit officers with complex loan applications
  • Originated, reviewed, processed, closed and administered customer loan proposals
  • Reviewed and edited loan agreements to promote efficiency and accuracy
  • Successfully closed average of 40+ loans per month
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering all loans
  • Processed loans with various departments to ensure timely, accurate and fair proceedings
  • Coordinated closing process with attorneys, title companies and government clerks
  • Maintained long-term relationships with customers to provide best-in-class customer service
  • Provided quick turnaround times to maintain fast-past schedule
  • Acquired management approval for loan products, including small business and commercial loans
  • Determined company policies and guidelines and ensured company compliance
  • Prepared documents for underwriting by verifying client income, credit reports and other information
  • Set up and completed loan submission packages
  • Reviewed financial statements and contacted institutions and customers to clarify details

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Resume Overview

School Attended

  • Strayer University
  • International Organization For Project Management
  • National Association of Mortgage Underwriting
  • Strayer University
  • Strayer University
  • Skyline High School

Job Titles Held:

  • Mortgage Loan Processor & Underwriter Trainer
  • Senior Collector II / Senior Loan Advisor
  • Relationship Coordinator / Mortgage Underwriter
  • Mortgage Underwriter

Degrees

  • BBA
  • Certification
  • Certification
  • Certification
  • Certification
  • High School Diploma

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