Senior Risk Operations Specialist | Underwriting

• Mar 2023 - Present

Underwriting Associate Manager

• Jan 2021 - Feb 2023

Led a team of underwriters with an emphasis on the origination of conforming refinances. Responsible for sourcing and hiring talented team members, providing ongoing coaching and feedback, recognizing team members, identifying/managing risk, and completing daily management tasks (reporting, driving and balancing capacity for the team, ensuring departmental success in productivity, timeliness, and accuracy). *Led, coached, and developed team members who were geographically dispersed with system functionality, complex income reviews and calculations, pipeline management, obtaining new lending authority and meeting required goals while creating and sustaining a positive, engaging team environment with team members during continuous and significant changes; excelling at change management. *Increased overall productivity of both new and seasoned team members.*Branch Inspection Team Captain as an underwriter and led the Branch Inspection Initiatives (auditing the adherence to compliance and regulatory policies) for the site as a manager.*Consistently took initiative to identify issues, risks, or opportunities and effectively collaborated with the appropriate stakeholder(s) across the organization to recommend solutions and/or implement change.Projects:-Home Equity Transformation-GAP Analysis-FFMT VOIS-Minimum Required Documentation Project during Simple Path Transition (Co-Creation of Income Stipulation Tool used across the line of business)-Peer Partner for Underwriter New Hire Class-Sent to other sites to act as a SME for underwriters transitioning to CORE (new underwriting system for Home Equity)-Created a Pipeline Management Job Aid for Underwriters and Lending Managers-Assisted with a Process Mapping project for Home Equity that outlined the entire application process through each role-Multiple Corrective Action (SHRPs) Projects-Mentoring Partnership with the University of North Iowa School of BusinessNMLS #733102 Show less

Consumer Loan Underwriter IV

• Mar 2019 - Dec 2020

Responsible for reviewing, analyzing, underwriting and decisioning large, unusual or complex consumer lending requests while complying with applicable laws, regulations, policies, and procedures. Evaluated, examined, and analyzed transactions to ensure accuracy and completeness in order to mitigate risk. Contacted customers, internal partners and third parties to gather information needed to make appropriate, risk based decisions. Assisted with re-negotiations of loans based on lending guidelines when necessary.*Received multiple promotions to allow for more complex work.*Provided subject matter expertise and collaborated with peers, senior leaders across various lines of business, and business process teams to identify process improvements, update policies/procedures, create communications and provide training.*Participated in an array of special projects (corrective action mandates, procedure writing, tool creation, process mapping, project management, etc.), collaborating with multiple levels of the organization, above and beyond the responsibilities of the role.*Supported Home Equity Process Owner with Home Equity specific issues, changes, and COVID-19 impacts via research, impact assessments to the underwriting process, developed interim processes and facilitated training and communications as needed.*Held Super Jumbo Lending Authority in Home Equity (top 2% of underwriters in production/quality) and Complex Income (Self-Employment - Schedule C, 1120, 1120S, 1065, financial statement analysis) Lending Authority in Conforming. Show less

Consumer Loan Underwriter III

• Jul 2018 - Mar 2019

Consumer Loan Underwriter II

• Apr 2015 - Jul 2018

Consumer Credit Services Specialist II

• Nov 2013 - Apr 2015

Responsible for underwriting all consumer loan applications through the entire loan life cycle, including ordering loan specific certifications and reports, preparing and distributing all disclosures, schedules, and preparing/distributing closing documentation packages. Reviewed all loan packages for accuracy/completion and prepared loan disbursements. Monitored adherence to compliance regulations for consumer and residential loans. *Led project with multiple stakeholder groups to create detailed procedures for the Home Equity and Consumer Loan processes for each loan type. *Created a paperless filing system for all closed loans (Consumer, Home Equity, Mortgage and Commercial). *Attended Crystal Reports training in order to develop and distribute loan related reports across multiple departments and levels of the organization. *Assisted in the creation of loan campaigns as well as communications to both customers and employees to increase overall loan volume. *Created several income tools to assist in a more uniform income calculation process across the lending department. Show less

Compliance/Clear to Close Administrator

• Aug 2012 - Nov 2013

Reviewed all consumer loans to ensure the documentation required for settlement was present. Managed risk by ensuring loans were within compliance regulations, processed and distributed all federally mandated disclosures, and conducted loan disbursements following closing. Assisted in the underwriting process of consumer loan applications. *Led project that created thorough procedures for the Compliance/Clear to Close Administrator position for uniformity in the role.*Constructed checklists and income tools to be used by underwriters. Show less

Senior Customer Service Representative

• Mar 2012 - Aug 2012

Branch supervisor responsible for opening/closing the branch, assisting in store audits, interviewing/training new members and resolving customer complaints. Completed ATM/Magic Money/Vault settlements and ensured the branch maintained proper cash levels. Also responsible for running the teller line, opening/closing accounts and other related products, and input new loan applications.*Received multiple promotions to allow for increased responsibilities and management experience.*Acted as the branch’s Marketing Liaison and the Branch Loan Captain.*Created loan campaigns within the branch to encourage strong loan production from team members.*Recognized by upper management for implementation of new/improved processes and organization as well as the creation of helpful training tools.*Earned the Rock Star award for the East Shore region Spring 2012 for reaching top sales goals within the region (over 20% of goal).*Given the Shining Star award for exemplary work ethic and training abilities Summer 2012. Show less

Customer Service Representative II

• Oct 2011 - Mar 2012

Customer Service Representative I

• May 2011 - Oct 2011