Quality Control Auditor Senior Underwriter Resume Example

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Jessica Claire
Montgomery Street, San Francisco, CA 94105
Home: (555) 432-1000 - Cell: - - -

Detailed Senior Mortgage Underwriter/Auditor offering 20+ year background reviewing real estate loan applications for accurate and necessary information. In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Additional experience in finance with a successful career managing risk, performing due diligence, leading projects and handling time-sensitive, complex transactions. Exceptional organizational, project management and leadership skills. Proficient in MS Office and WordPress.

  • Extensive knowledge for Conventional and FHA guidelines / intermediate knowledge for VA and USDA guidelines
  • Quality assurance / due diligence
  • Managing influx of priority work
  • Strong problem solving
  • Effective in fast paced environment
  • Strong attention to detail
  • Excellent communication
  • Sound reasoning and logic
  • Goal setting and Achievement
  • Customer satisfaction
  • Exceeding client expectations and maintaining relationships
  • Leadership and Training
03/2015 to Current
Quality Control Auditor / Senior Underwriter Public Service Credit Union Loveland, CO,
  • Audit pre-fund and post close mortgage loan files for compliance as well as evaluated income, title documents, assets and all applicable compliance documents to ensure they adhered to agency/non-agency guidelines.
  • Working knowledge of origination, underwriting and quality control requirements for Fannie Mae, Freddie Mac and Federal Housing Administration financing with a proven ability to apply requirements to business practices and systems.
  • Determine and document loan conditions and effectively communicate requirements and/or decisions.
  • Reviewed loan documents to ensure accuracy and completeness.
  • Strong attentional to detail, self directed, self disciplined and team oriented.
  • Works independently to complete audits and meet SLA/deadlines.
  • Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
  • Maintained strict confidentiality of bank records and client information.
  • Maintained friendly and professional customer interactions.
  • Adhered to all federal and state compliance guidelines.
  • Analyzed issues and recommended corrective actions to improve final results.
  • Participated in technical trainings and workshops to improve skills set and boost overall knowledge.
05/2014 to 05/2015
Quality Assurance Analyst - Third Party Risk Mngmt US Bank City, STATE,
  • Implemented user acceptance testing with a focus on documenting defects and executing test cases.
  • Identified process inefficiencies through gap analysis.
  • Mapped process activities to desired outcomes to rectify operational inefficiencies.
  • Recommended operational improvements based on tracking and analysis.
  • Assessed the impact of current business processes on users and stakeholder groups.
  • Mapped current processes and offered recommendations for improvement.
  • Defined clear targets and objectives and communicated them to other team members.
  • Enhanced the operational risk application to capture regulatory findings from agencies such as SEC and OCC.
  • Collaborated with the compliance department to eliminate procedural errors and margin breaks.
03/2009 to 03/2014
Consumer Loan Underwriter II Wells Fargo Home Mortgage City, STATE,
  • Qualified Mortgage Underwriter with combined experience in residential mortgage underwriting, mortgage loan processing and loan origination.
  • Audited and documented all processes and procedures for the new accounts department.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Adhered to all federal and state compliance guidelines relative to retail mortgage lending.
  • Received Employee of the Month Service awards in 12/2009, 4/2010, 8/2010, 10/2010.
  • Maintained friendly and professional client interactions at all times.
  • Identified problem areas within the loan portfolio, analyzed risks and suggested appropriate solutions.
  • Trained and directed 9 new hires during department orientations on applying due diligence procedures and regulatory mandates.
  • Worked on Board of Directors for employee upskilling and implementation.
  • Stayed current on loan requirements and standards for FHA, FNMA and FHLMC products.
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
  • Experience with Bond and DPA loans, VA and USDA.
05/2005 to 12/2008
Senior Mortgage Loan Processor / Business Owner 1st Class Processing, LLC City, STATE,
  • Reviewed historical customer accounts to assess payment compliance and adherence to loan terms.
  • Examined and verified information in loan application and closing documents.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Prepared and delivered loan documents to title and escrow teams.
  • Checked applicant credit, personal references and employment histories.
  • Organized, filed and maintained customer, department and regulatory loan records.
  • Submitted completed loan applications, including recommendations for underwriting approval or denial.
  • Conveyed acceptance or rejection to customers by mail, telephone or in person.
  • Assembled and compiled title abstracts, insurance forms, loan documents and tax receipts.
  • Provided excellent service and attention to customers when face-to-face or through phone conversations.
  • Improved customer satisfaction by finding creative solutions to problems.
Education and Training
Expected in 1997
High School Diploma: General
Apple Valley Senior High - Apple Valley, MN
  • Conventional Underwriting Authority
  • FHA Underwriting Authority

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Resume Overview

School Attended
  • Apple Valley Senior High
Job Titles Held:
  • Quality Control Auditor / Senior Underwriter
  • Quality Assurance Analyst - Third Party Risk Mngmt
  • Consumer Loan Underwriter II
  • Senior Mortgage Loan Processor / Business Owner
  • High School Diploma

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