Senior Consumer Underwriter
Wells Fargo Home Mortgage
Total years of experience :17 years, 10 Months
Wells Fargo Home Mortgage, Jacksonville, Florida
Senior Consumer Underwriter (April 2012 - Present)
* Responsible for reviewing and analyzing new mortgage loan requests in order to approve or deny applications while adhering to investor guidelines and all company guidelines, policies and procedures
* Able to interpret all investor guidelines to make a sound business decision and make rational risk-based decisions.
* Advanced income analysis with experience in reviewing Self-employment, Corporate, Partnerships Tax returns, credit reports and applicable ratios (i.e. Debt ratios, loan-to-value)
* Financials Appraisal review background
* Effective communicator with ops managers, processors and sales to find meaningful resolutions.
* Advanced asset analysis and experience working with all types
* Experience handling decisions and escalations with the ability to handle confidential material in a professional, highly ethical manner
* Examine transactions to ensure accuracy and completeness
* Ensure that documents are consistent and uphold to company and industry guidelines implementing fraud detection techniques, performing compliance reviews
* Assist with re-negotiations of loans based on lending guidelines
* Successfully passed all 8 test cases in a row to receive highest signing authority as a 4C Underwriter
* Conduct review responsible for hitting productivity targets
* Perform more complex loan reviews and failed 4506T income audits that require increased authority level review
* Able to work in a fast paced production environment
* Consistently receive a pass rating on all quality audits
* Strong conflict resolution and problem solving skills
PNC BANK, Jacksonville, Florida
Loss Mitigation/Underwriter (Jan 2011 - April 2012)
* Risk management experience
* Discussed and analyzed customers financial conditions
* Assistant management with Loss Mitigations
* Experience in HAMP, GSE modification programs
* Exam loan documentations for accuracy and completeness
* Maintains an organized approach to managing daily activities while juggling multiple demands
* Handled escalated, litigated, and active bankruptcy loans and processed retention workouts in accordance to guidelines set by the investor
* Reviewed applications for assistance using income and expenses calculations to determine a workout option, either retention or liquidation, which would benefit the borrower.
* Calculate income to debt ratios, LTV and MTV
* Verbal / written communication skills
* Process Loss Mitigation closing procedures
* Prepare Mod documents in Corelogic
* Proper update and closeout loans in HSSN and workstation.
* Responsible for managing system changes/documentation and follow-ups.
CIT TECHNOLOGY, Jacksonville, Florida
Loan Counselor (June 2002 - Sept 2011)
* Resolved customer concerns through diligent customer service.
* Assists staff with escalated calls or concerns and seeks immediate resolution
* Passion for customer service
* Resolves problems by clarifying issues; researching and exploring answers and alternative solutions; implementing solutions; escalating unresolved problems.
* Maintains call center database by entering information.
* Excellent listening skills and the ability to ask probing questions, understand concerns, and overcome objections
* Met Quality Assurance Requirements and other key performance metrics.
* Collect on consumer accounts that are delinquent.
* Risk management experience
* Review payment history and request financial adjustments.
* Send legal documents and contracts per-customers request.
EVERHOME MORTGAGE, Jacksonville, Florida
Loss Mitigation/Underwriter (Sept 2007 - Jan 2011)
* Discuss and propose various workout options with the clients
* Prepare various agreements for execution
* Maintains an organized approach to managing daily activities while juggling multiple demands
* Calculate income to debt ratios, LTV and MTV
* Proper documentation of the workstation
* Risk management experience
* Verbal / written communication skills
* Monitoring and follow-up on planned payments
* Proper closures of the workouts on workstation
* Working weekly tracking reports to ensure all investor/insurer guidelines are met
* Resolve all reported exceptions immediately
* Make an analytical assessment of each mortgagors financial standing
* Review all items and conditions provided by borrowers and ensure they meet the required
guidelines
* Ensure that all Federal operating standards are met and upheld
* Monitor property appraisal process to ensure value of property is accurately presented
BOMBARDIER CAPITAL, MORTGAGE DIVISION, Jacksonville, Florida
Insurance Support Manager (2000-2007)
* Handled all aspects of customer inquiries and problem resolution.
* Leads, motivates, delegates, and empowers the staff to promote successful performance of tasks and responsibilities while encouraging new ideas
* Manages and develops staff to achieve department objectives including determining staffing needs, setting goals, interviewing, coaching and evaluating the performance of all direct reports
* Participates in new hire training by developing a Quality Assurance module to include complete understanding of call expectations encompassing content, accuracy of information, overcoming objections and tone.
* Appropriately addresses human resources issues, such as interpersonal conflicts in the workplace
* Works to ensure proper curriculum and training development for employees on departmental applications and procedures
* Provides reporting and analysis to identify and implement process improvements which seek to increase team efficiency and effectiveness
* Processed insurance refund checks and entered information into system for account reconciliation purposes.
* Conducts meetings with other departments regarding policies and procedures, claim processing, and inquiry resolutions
* Reviewed insurance policies. Maintains thorough and complete performance service level reports, provides QC reports weekly and monthly, provides updates to the operations team, and maintains and verifies the consistency of quality standards.
* Maintained foreclosure claim reports on a monthly basis.
* Created format for cancellation for foreclosure homes.
* Processed insurance payments on a daily basis.
* Reviewed insurance policies.
Underwriter/Credit Investigator Supervisor (1996-2000)
* Analyzed credit and financial information, including but not limited to employment and credit bureaus
* Aggressively identifies and addresses performance deficiencies by developing and executing performance improvement plans
* Assists with the development of the operating plan for the department, which would include forecasts of service levels, resources and expenditures
* Maintain regular communication with manager to ensure clear understanding of corporate publications/announcements and maintain regular communication to staff.
* Risk management experience
* Train and direct underwriting staff
* Verified information provided on loan applications.
* Determined the credit worthiness of consumers.
* Determined the credit worthiness of consumers.
* Ability to lead a staff of 15 or more underwriters
* Analyzed information statements and related material.
* Ensured the contact of all available sources of information.
* Calculate income to debt ratios, LTV and MTV
* Verified information provided for loan applications.
* Gathered all pertinent credit and financial information, including credit bureaus, and other sources.
* Created and present training materials in a one-on-one and/or classroom style setting