Detail-oriented mortgage underwriter with nine years of high quality loan production in fast paced, high pressure environments. Recognized as having excellent written/oral communication and organization skills.
Achieved top 5% in the Western Region based on quality and productivity for 11 consecutive months
Completed 100% of loans submitted within 24hrs for nine consecutive months
Expanded branch loans funded by 25% and funding ratio by 10% within 6 months
Underwrote 80 new and 200 resubmission loan applications per month for five consecutive years
Underwrote conventional, jumbo, portfolio, Agency, USDA and streamline purchase money and refinance mortgage loan applications analyzing complex personal and business income and asset documentation, cash flow analysis, and qualitative and quantitative collateral review.
Underwrote a daily average of 4.5 new and 18 total conventional, jumbo, portfolio and streamline purchase money and refinance mortgage loan applications up to $2.5 million based on income stability, credit worthiness and collateral acceptability ensuring conformity to Agency and Chase portfolio guidelines.
Developed and trained Consumer, Indirect, Mortgage, Equity and Workout Loan Underwriters to make profitable yet sound lending decisions; assisted the Chief Financial Officer, Senior Director of Consumer Lending, Senior Director of Mortgages/Equity and Director of Loan Services in all Lending Segment projects; and created content for and led weekly Lending Segment meetings
Underwrote a daily average of 25 conventional, jumbo, sub-prime and Alt A purchase money and refinance mortgage loan applications daily up to $1 million based on income stability, credit worthiness and property conformity maximizing benefit to borrowers and company profitability
Resolved 125+ consumer incidents weekly, mitigating loss, while enthusiastically satisfying customers
Developed and delivered 10 individualized business and industry-specific curricula for beginner to advanced level English language students
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