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remote senior director mortgage underwriting resume example with 18+ years of experience

, , 609 Johnson Ave., 49204, Tulsa, OK 100 Montgomery St. 10th Floor
Home: (555) 432-1000 - Cell: - resumesample@example.com - : - -
Jessica Claire
SKILLS
  • Practice Operations Management
  • Key Performance Indicators
  • Culture Transformation
  • Core Values Management
  • Collaborative Leadership
  • Budgeting
  • Staff Management
  • Process Improvement
  • Business Intelligence
  • Strategic Development
  • Account Management
Education
Expected in 08/2020 to to
Certificate: Business Sustainability Strategy
Harvard Business School - Cambridge, MA
GPA:
  • Awarded [Business Sustainability Strategy]
Expected in 01/2017 to to
MBA: Project Management
American InterContinental University - Schaumburg, IL
GPA:
  • [3.91] GPA
  • Dean's List [1-4 Semesters and 2017]
  • Honoree of [Delta Mu Delta]
Expected in 12/2016 to to
BBA: Business Management
American InterContinental University - Schaumburg, IL
GPA:
  • [3.63] GPA
  • Dean's List [1-4 Semesters and 2016]
  • Honoree of [National Honor Society]
Expected in 11/2015 to to
Associate of Arts: Business Administration
American InterContinental University - Schaumburg, IL
GPA:
  • [3.59] GPA
  • Dean's List [1-4 and 2015]
  • Honoree of [National Honor Society]


Expected in 06/1987 to to
High School Diploma: Human Services
Bunn High School - Bunn, NC
GPA:
Professional Career History
06/2019 to 03/2023
Remote Senior Director Mortgage Underwriting Clinical Reference Laboratory, Inc. Omaha, NE,
  • Collaborated with professional executive management on innovation projects to drive up profitability.
  • Drove strategic improvements to enhance operational and organizational efficiencies.
  • Increased mortgage vendors by over 50%, which enhanced company bottom line by over 60%.
  • Prioritized job/staff responsibilities, provide assignments, meet required deadlines, and develop project plans and/or schedules.
  • Review legal documents for accuracy and completeness in connection with new purchases.
  • Provided input on processes, procedures, and/or new approaches.
  • Coached others in providing great customer service and performing at consistently high level.
  • Established and drive towards overall objectives and long term goals for mortgage lending team.
  • Ensured accurate and timely filing of all purchased mortgage loans documentation.
  • Remained informed of any changes in government regulations concerning residential mortgage lending.
  • Focused on marketing activities and promotional strategies to attract new customers.
  • Conducted team meetings weekly to discuss new processes in place and gave underwriters a safe place to communicate effectively and professionally.
  • Prioritized and allocated valuable resources to meet business targets.
  • Identified qualified underwriters, interviewed, hired, conducted beginning, mid, and end of year evaluations, including exit reviews.
  • Instituted formal operating procedures and enforced adherence to policies and regulations that impacted bottom-line.
  • Provided support, answered questions, or conducted research on specific complex applications.
  • Drove up profitability within my region by leading effective teams through cross training and boosting high morale.
  • Fostered work culture of collaboration and inclusion to increase morale and reduce turnover.
  • Managed departmental goals, guidelines, and objectives
    for my mortgage teams.
  • Enacted and reinforced policies and procedures within
    individual, district, and regional offices.
  • Facilitated quality control within underwriting department.
  • Prepared monthly, quarterly, and/or annual reports,
    examined data and ensured that underwriters followed proper procedures and company guidelines.
  • Occasionally facilitated new processes and guidelines for Adverse Action, declines, and approvals.
  • Partnered with financial and customer operations teams to drive business transactions using customer data and Lean concepts.
01/2013 to 06/2019
Remote Mortgage Underwriting Manager Majestic Home Loan City, STATE,
  • Managed 20 conventional mortgage SR/JR underwriters.
  • Assigned mortgage loans daily to each underwriter.
  • Ensured underwriters understood expectations and delivery timelines.
  • Conducted team meetings weekly to discuss new processes in place and gave underwriters a safe place to communicate effectively and professionally.
  • Identified qualified underwriters, interviewed, hired, conducted beginning, mid, and end of year evaluations, including exit reviews.
  • Assisted underwriters with analyzing highly complex financial and credit information according to internal underwriting standards, investor guidelines, and federal regulations.
  • Reviewed highly complex loan scenarios and loan types with higher aggregate credit exposure including underwriting exceptions not determined through DU.
  • Gave support to underwriters as needed and assisted with analyzing loan documents and helped mitigate credit risk.
  • Provided support, answered questions, or conducted research on specific complex applications.
  • Drove up profitability within my region by leading effective teams.
  • Set departmental goals, guidelines, and objectives for my mortgage teams.
  • Enacted and reinforced policies and procedures within individual, district, and regional offices.
  • Facilitated quality control within underwriting department.
  • Prepared monthly, quarterly, and/or annual reports, examined data and ensured that underwriters followed proper procedures and company guidelines.
  • Occasionally facilitated new processes and guidelines for Adverse Action, declines, and approvals.
09/2009 to 01/2013
Remote Senior Underwriter Majestic Home Mortgage City, STATE,
  • Underwrote Conventional, USDA, VA, and FHA residential mortgage and commercial loans according to FNMA and FHA guidelines and Citizens Bank overlays.
  • Manually underwrite commercial loans and used DU AUS/LP for automated residential loans.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Comply with governing codes and instructions.
  • Perform both desk review of property appraisal to determine appropriate HUD estimate of value for proposed construction, existing construction, or substantial rehabilitation and, in certain circumstances, authorizes issuance of conditional commitment for home mortgage insurance
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Accurately reviewed divorce decrees, separation agreements, child support agreements, quit claim deeds, pension and retirement incomes.
  • Reviewed Self Employment Income tax returns 1065, 1120, 1120s, Schedule C, K1s, and Loss and Profit Statement; input documents into self employment income tools to confirm accurate income calculations.
  • Responsible for monitoring DE Underwriter and Lender Activities and referring situations and questionable practices that may affect their further participation in HUD/FHA programs to appropriate Field Office or Center Analyses Staff through Chief Underwriter or Supervisor.
  • Ran and Analyzed loans through DU to determine loan Approval Eligible or Approve/Ineligible
07/2004 to 09/2009
Managing Licensed Loan Officer - Mortgage Broker Reliable Mortgage City, STATE,
  • CEO/Owner of Reliable Mortgage Co.
  • Managed 50 of loan officers, loan officers, mortgage processors, mortgage underwriters and mortgage closers.
  • Utilizing Calyx proprietary software to input all mortgage loan data originated from application.
  • Originated, reviewed, processed, underwrote, closed, and administered customer loan mortgage proposals.
  • Completed and Submitted New Broker Sign up packages with appropriate documentation via online with lender.
  • Drove up profits to over 75% by cross training and licensing processing, closers, and mortgage underwriters licensed loan officers.
  • Obtained and Reviewed copies of applicants' credit histories, income documentation, financial records to determine feasibility of granting loans.
  • Negotiated loan terms to provide favorable outcomes for both customers and lenders.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Researched and update industry knowledge on changing legislation and regulations.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Advised clients on mortgage, education and commercial mortgage loans.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Developed strong relationships with customers through high levels of customer service.
  • Collaborated with other departments to promptly process loan applications.
  • Proactively identified solutions for customers experiencing credit issues.
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs.
  • Completed Brokered packages sent over to lenders for approval and closing.
Executive Summay

Functional Senior Director driving proven results within mortgage industry. Manages complex mortgage operational issues while meeting business objectives. Strong operational skills and solid experience regulating policies and managing budget expenditures. Collaborates with management teams and stakeholders to uphold company vision.

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Resume Overview

School Attended

  • Harvard Business School
  • American InterContinental University
  • American InterContinental University
  • American InterContinental University
  • Bunn High School

Job Titles Held:

  • Remote Senior Director Mortgage Underwriting
  • Remote Mortgage Underwriting Manager
  • Remote Senior Underwriter
  • Managing Licensed Loan Officer - Mortgage Broker

Degrees

  • Certificate
  • MBA
  • BBA
  • Associate of Arts
  • High School Diploma

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