Renee’ J. Coughlin

***** **** **** ***** *****: 303-***-****

Parker, Colorado 80134 Cell: 303-***-****

acqy93@r.postjobfree.com

Underwriter

Accomplished, results proven leader with a successful track record in driving sales and maximizing loan productivity using creative, innovative decision making with consideration of potential risk involved. Core Skills

● Adaptable / Flexible ● Detail Oriented

● Creative / Innovative ● Analytical

● Sales & Service Leader ● Excellent Time Management

● Exemplary Work Ethic ● Superior Organization Skills Professional Achievements

• Presidents Club Award Two times

• Implemented Advanced Lending Class

• Created Sales Training Class

• Superstar Award for high loan dollar productivity

• Designated Hot Seat Representative to mentor Junior Staff Professional Experience

Loan Manager Assistant (01/2015- Current)

All Western Mortgage – Greenwood Village, Colorado

• Assisting Branch Sales Manager with submission, closing and funding of Jumbo loans to Investors

• Assisting Mortgage Loan Officers with submission, processing, closing and funding of internet loan leads to completion and purchase by Investors including FHA and VA loans.

• Assisting office mortgage loan originators and Branch Sales Manager with Disclosures for compliance

• Working with in house and outside investor underwriters to provide necessary documentation to get loans from submission to closing to investor purchase within 30 days

• Review and analyze documentation in anticipation of investor requirements for approval and

• Building quality relationships with clients and vendors to establish repeat business and referrals to grow and expand loan production for branch

• Flexibility and adaptability to work schedule to accommodate after hour closings as needed Underwriter III (11/2012 - 11/2014)

Urban Lending Solutions - Highlands Ranch, Colorado

• Proficiently review all loan applications to ensure accuracy, credit worthiness, regulatory compliance and adherence to FNMA/FHLMC guidelines.

• Decision applications for loan approval, counteroffer or denial with high quality and quantity loan production.

• Display high efficiency for one and done process to get loans closed and drive loan productivity.

• Work within automated scoring matrix and traditional guidelines for proper review of all data pursuant to applications to include: analysis of credit reports, financial statements including Business tax returns, title and appraisal review, DTI and LTV for compliance to guideline with emphasis on seeking creative alternatives for exceptions to guideline.

• Consistently execute leadership and drive loan dollars and proliferate loan dollar volume.

• Proactively adapt to adjustments in changing market while focusing on the big picture of corporate goals.

• Successfully prioritize work to consistently meet and exceed service levels to internal and external customers.

• Effectively communicate verbally and in writing rational of decision and convey professionally to appropriate individuals, both internal and external.

• Function as mentor and liaison by assisting and developing lower level reps to higher standards of achievement. Work independently and cohesively with team members to achieve department objectives.

• Build quality relationships with internal staff and external staff including vendors for repeat business and referrals.

Consumer Loan Underwriter (6/1993 - 11/2012)

Bellco Credit Union - Greenwood Village, Colorado

• Proficiently and expediently review loan request applications for direct and indirect customers including branch, call center, outside vendors and dealerships within required service level to meet and exceed customer/vendor expectations.

• Review all applications for accuracy and recommend additional cross sell opportunities to increase and drive loan production with an average of over 1 million in additional cross sell opportunities per month.

• Provide creative and innovative thinking with focused attention on prudent and risk based lending for quality and growth of loan portfolio.

• Review all loan applications with a sense of urgency demonstrating creative and innovative thinking in restructuring of loans to make loans happen.

• Significant resource for innovative lending style in review/decision of complex loan scenarios to lower level staff and managers providing workable alternative meeting customer and organization needs.

• Position/Titles Held during tenure include: Team Lead, Underwriting Supervisor, Unit Manager, Advanced Lending Trainer

Academic Background

• Silver State Academy, Denver, CO

• Certificate in lending/Credit Union Operations

• Completed Risk Based Lending Course

• Continued Leadership Development

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