Underwriter

• Aug 2022 - Present

• Review customer home improvement loan applications, credit reports, and demographics to determine creditworthiness and ability to repay • Refer customers to 3rd party lenders if overall risk of the applicant does not meet company risk tolerance • Assist customers with inquires about their loan's status and processing payments • Contact customers that are delinquent on their loan for collection • Review customer home improvement loan applications, credit reports, and demographics to determine creditworthiness and ability to repay • Refer customers to 3rd party lenders if overall risk of the applicant does not meet company risk tolerance • Assist customers with inquires about their loan's status and processing payments • Contact customers that are delinquent on their loan for collection

VA Mortgage Underwriter

• Sep 2021 - Aug 2022

• Evaluate risk of the mortgage application and supporting documents including: o Credit Report o Title o Appraisal o Income• Determine if an application is approved or denied based on program specific and company guidelines.• Properly disclose fees to applicant when changes are made from initial application• Confirm escrow payments are set up properly for future payments- Specialist Designation: Certified Residential Underwriter (CRU) - NMLS ID #1995658 Show less

Underwriting Analyst

• Jul 2021 - Sep 2021

• Determine if the mortgage application qualifies to proceed with ordering an appraisal based on program specific and company guidelines.• Conduct initial income calculations to determine guidelines are met.• Communicate with mortgage loan officer when additional documentation is needed to order the appraisal.

Mortgage Processor

• Jan 2020 - Jul 2021

• Order the appraisal for the mortgage application and confirm the value is sufficient when the appraisal is completed.• Prepare the mortgage file through loan origination software for Underwriter review.• Obtain additional documentation needed for Underwriter to complete a final review of the mortgage file.

Real Estate Agent

• Aug 2019 - Aug 2020

College Financial Representative

• May 2019 - Jul 2019

• Passed the Maryland Life and Health Exam • With senior advisors, conducted initial consultation meetings to understand what was important to new clients and what goals we could help them achieve • Presented financial plans to clients and offered recommendations • Passed the Maryland Life and Health Exam • With senior advisors, conducted initial consultation meetings to understand what was important to new clients and what goals we could help them achieve • Presented financial plans to clients and offered recommendations

Accounting Intern

• Mar 2019 - May 2019

• Confirm daily book keeping records from all stores for journal entries • Input journal entries to general ledger using Oracle and FMS software • Format journal entries using Microsoft Excel • Confirm daily book keeping records from all stores for journal entries • Input journal entries to general ledger using Oracle and FMS software • Format journal entries using Microsoft Excel