Experience

Northrim Bank, Member FDIC

• United States
• Banking
• 100 - 200 Employee

• Universal Banker

  • Nov 2022 - Present



Movement Mortgage

• Financial Services
• 700 & Above Employee

• Consumer Mortgage Underwriter

  • Jul 2020 - Present

  Responsible for initial to final review and decision of new mortgage application Analytical and methodical when reviewing mortgage applications Expertise in reviewing self-employed loan applications for conventional loan types Established relationship with closing department to ensure loans closed on time. Pipeline management, prioritize loans to work to guarantee loans meet closing dates Responsible for initial to final review and decision of new mortgage application Analytical and methodical when reviewing mortgage applications Expertise in reviewing self-employed loan applications for conventional loan types Established relationship with closing department to ensure loans closed on time. Pipeline management, prioritize loans to work to guarantee loans meet closing dates



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Home Mortgage Consultant

  • May 2020 - Oct 2022



Cornerstone Home Lending

• United States
• Financial Services
• 700 & Above Employee

• Assistant Manager

  • Nov 2019 - Feb 2020



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Consumer Loan Underwriter

  • Jan 2013 - Nov 2019

  • Underwrite in accordance to FHA / Fannie Mae/Freddie Mac and Wells Fargo guidelines. • Experience with income analysis which includes exposure to reviewing self employment, corporate and partnerships tax returns for FHA/Fannie Mae/Freddie Mac guidelines. • Advanced asset analysis and experience working with all types and experience with layering risk and evaluation. • Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates. • Exhibit ability to handle confidential material in a professional, highly ethical manner. • Extensive experience in talking with our borrowers about loan decisions. • Front end originations/Retail and utilized FHA/Conventional underwriting guidelines and procedures. • FHA portfolio for Loss Mitigations department utilizing knowledge and training to recommend RPP/ Special Forbearance/ Loan Modification Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Underwriter

  • Mar 2011 - Dec 2012

  • Underwrote Fannie Mae/Freddie Mac, Loss Mitigations, HAMP in internal modifications, FHA/HUD/SFO/VA loans in agreement with internal guidelines ensuring compliance with company and investor standards for the loss mitigation department. • Timely and accurate decisions all HAMP, HARP, HAFA, and Conventional transactions. • Redirected unqualified borrowers to Freddie Mac/ Fannie Mae or company guidelines, initiated short sales, deed in lieu process or foreclosure proceeding. • Thorough knowledge of complex personal and business financial analysis and expertise in tax return and balance sheet analysis. • Decisions base off customer profile and information provided. • Training classes were taken monthly due to monthly updates per the HAMP, HARP, and internal modification programs. Show less