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Underwriter Resume

TECHNICAL SKILLS

  • Clarity
  • MS Word
  • MS Excel
  • Outlook
  • Adobe Pro
  • Chrome
  • Six Sigma
  • PowerPoint
  • MS Access
  • Salesforce
  • Encompass
  • Loan Span
  • IDesk
  • ACES
  • CA$H
  • TRAP
  • Service Now
  • Intranet Admin
  • MSP/CPI
  • NICE Recording
  • Visio
  • SharePoint
  • P&P’s
  • WebEx

PROFESSIONAL EXPERIENCE

Confidential

Underwriter

Responsibilities:

  • Reviewing loan files for completeness and accuracy
  • Analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents
  • Evaluate debt ratio, loan - to-value ratios, credit score, property valuation and various other factors
  • Manual Frontline Underwriting Conventional/Conforming loan products
  • Determining and documenting loan conditions and communicating requirements and/or decisions
  • Identifies portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure
  • Maintains knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines

Confidential

Compliance Analyst

Responsibilities:

  • Dedicated Call Monitoring Compliance analyst, responsibilities include, managing changes in processes, creation and distribution of reporting, sample selection and facilitating with ongoing calibration
  • Review 60 call sample for 26 compliance behaviors
  • Conduct research, coordinate presentations and present deliverables for senior leaders up to the board of directors on defects as scheduled and as needed for reporting or projects

Vendor Manager

Confidential

Responsibilities:

  • Assist with the business management of up to 17 vendors at a time
  • Code and review invoicing for payment and application to the applicable cost center
  • Manage performance standard (Service Level Agreements, SLA) reporting and tracking
  • Train on changes, answer process questions and provide systems access
  • Attended required meetings performance issues as well as overall trends and provide coaching where needed
  • Produce weekly and monthly reporting for the vendor to manage defect responses
  • Act as a liaison between the business and vendors
  • Provide escalation assistance for the vendor or the business to resolve loan level findings
  • Determine and monitor risk based on vendor access to the systems

Salesforce Administrator

Confidential

Responsibilities:

  • Established mapping for uploads and added data to Salesforce utilizing data loader
  • Served as entire organization Salesforce administrator providing SSO access, updating and creating custom fields, data sets, reporting, dashboards and etc
  • Serve as project leader on new Salesforce implementations
  • Worked alongside developers and stakeholders to establish requirements, SOW and project plans

Business Analyst

Confidential

Responsibilities:

  • Gathered production or other statistical data to prepare analyses, reports, and schedules for use by the business units, project team or for communicating to management, clients, or support offices
  • Created, ran and maintained functional macros within Excel Visual Basic Editor and Access
  • Worked directly with management on projects to evaluate risk and exposure
  • Served as green belt on 6 lean six sigma projects on defect reduction and efficiency
  • Ongoing evaluation of processes and requirements across Office of Governance and Compliance to implement, improve and develop solutions as new risks emerge
  • Created, recorded and run WebEx for meetings and trainings

Credit Risk Underwriter

Confidential

Responsibilities:

  • Completed full file review on income, assets and collateral for purchase/refinance applications
  • Underwrote conventional loans in accordance with client/investor guidelines and federal regulations
  • Reviewed and evaluated borrower loan documents for accuracy and compliance
  • Reviewed appraisals, title commitments, GFE’s, HUD1’s, LE’s and CD’s
  • Calculated front and back end ratios for income on W2 and self-employed borrowers
  • Analyzed credit reports for a diverse pool of borrowers, including nontraditional and self employed
  • Communicated with loan processing team to ensure all documentation was in the file and met the lender guidelines
  • Assisted on the company wide TRID implementation team as a SME

Confidential

Sr. Short Sale Transactional Analyst

Responsibilities:

 
  • Negotiated on behalf of lender and consumer with mortgage insurance providers for approvals on short sale and deed in lieu requests
  • Collected and analyzed asset, income, credit and property valuation documents
  • Represented lender with realtors, originators and analysts on escalated matters
  • Served as a trainer and SME for new hires and departmental transfers
  • Acted as interim supervisor of 10-20 team players

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