Mortgage Underwriter

• Mar 2022 - Present

Underwriting loans to ensure files meet each agencies specific guidelines and investor overlays through credit analysis and determining borrowers and credit worthiness. Performed thorough reviews of appraisals to certify the property meets collateral requirements. Knowledgeable on the specific requirements for collateral for each program, such as FHA and VA required conditions for the property. Applied residential property and credit underwriting requirements and procedures to render a credit decision on residential mortgage loan applications on many loan types such as: conventional, FHA, VA, USDA, jumbo, and down payment assistance programs. Created a strong team environment by communicating with processors and LO’s with questions on conditions and guidelines. Gave advice on how to restructure files to meet secondary market requirements. Ensured files were underwritten within our departments turn time requirement. Show less

Loan Originator Assistant

• May 2021 - Oct 2021

Loan Originator Assistant

• Oct 2019 - May 2021

Originated new applications and managed a high production branch's pipeline. Used strategic problem-solving skills allow for difficult loans to be approved that would otherwise be denied. Analyzed customer financial and credit worthiness to ensure Conventional, FHA, VA, USDA, and DPA guidelines. Build and maintain business partner relationships which is vital to the profitability of the branch. Negotiated rate locks and managed expiring locks. Communicated with and advised clients and partners during various stages of the loan process Show less

Assistant Branch Manager

• Sep 2015 - May 2018

Lead a team of employees to achieve branch goals and improve their member experience skills. Evaluated loans to find cross-sell opportunities. Ensured team stayed in compliance with credit union regulations. Provided exceptional customer service to all members. Maintained professionalism when dealing with difficult employees and members. Lead a team of employees to achieve branch goals and improve their member experience skills. Evaluated loans to find cross-sell opportunities. Ensured team stayed in compliance with credit union regulations. Provided exceptional customer service to all members. Maintained professionalism when dealing with difficult employees and members.

Member Service Representative

• Apr 2014 - Aug 2015

Built lasting relationships with members and cross-sold products to them. Handled large amounts of cash and my drawer was never short. Worked at a busy branch and maintained professionalism and accuracy under pressure. Built lasting relationships with members and cross-sold products to them. Handled large amounts of cash and my drawer was never short. Worked at a busy branch and maintained professionalism and accuracy under pressure.