Astute and methodical Senior Mortgage Underwriter with significant background working with diverse customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Skills
Problem Solving
Property Evaluation
Application Review
Corporate Financial Statements
Product Education
Credit File Updating
Credit History Review
Income Evaluation
Terms Definition
Attention to Detail
Loan Processing Coordination
Bank Product Marketing
Oracle PeopleSoft
Great Plains
Staff Management
Customer Service
Verbal and Written Communication
Active Listening and Learning
Data Entry
Time Management
Intuit QuickBooks
LoanMaster Loan Servicing
Work History
02/2015 to Current
Senior Contracts AdministratorQuantitech – Alexandria, VA,
Reviewed contracts by verifying accuracy and resolving discrepancies.
Developed and executed administrative processes to advance project's procedures, goals and objectives.
Coordinated changes to agreement which might occur during contract lifetime.
Monitored incoming contracts and service agreements for correct pricing and information.
Coordinated changes to agreement which might occur during contract lifetime.
Oversaw invoicing to government entities to meet FAR regulations.
Reviewed contracts by verifying accuracy and resolving discrepancies.
Prepared contract briefs and revisions to summarize contractual requirements and budgets.
Created regular status reports regarding project progress.
Created and implemented document management system for project contracts, subcontracts and bids.
Created policies and procedures meeting regulatory guidelines and compliance standards.
Double-checked plans and specifications of contract work for company compliance.
Researched laws and regulations potentially impacting company policies and procedures.
Prepared compliance reports and disseminated to upper management.
02/2013 to 01/2015
Senior Mortgage UnderwriterAlaskausa Mortgage Company – Palmer, AK,
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Checked personal and team calculations to validate information and underwriting decisions.
Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Trained junior team members in underwriting procedures and loan quality grading standards.
Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Monitored pipelines to track and log status of loans.
Proactively identified solutions for customers experiencing credit issues.
Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Supervised loan personnel and motivated to maintain customer service and performance standards.
Compiled closing packages for drafting and presentation accuracy.
05/2012 to 01/2013
Mortgage UnderwriterFirst Entertainment Credit Union – Culver City, CA,
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.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Trained junior team members in underwriting procedures and loan quality grading standards.
Verified integrity of applicants' information to minimize fraud.
Checked personal and team calculations to validate information and underwriting decisions.
Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Helped college students obtain financial aid through loan programs.
Assessed aging accounts and initiated collection strategies based on conditions.
Explained very technical financial information to applicants in easy to understand language.
Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Education
Expected in to to
Master Of International Business: Hult International Business School - Cambridge, MA GPA:
Expected in to to
Bachelor Of Science: International Business College of Charleston - Charleston, SC GPA:
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