Mortgage Underwriter

CHRISTINA SAVIOZZI-DYER

Address: *** **** ****** ******, *** Plaines, Illinois 60018

Phone: 847-***-****

E-mail: ***********@*****.***

Mortgage Underwriter

Highly motivated, focused, and results-oriented individual with in-depth knowledge in business, management, finance, and insurance operations, such as mortgage and underwriting. Possess superior skills in financial and operational analysis and planning; complemented with thorough understanding of credit and an ability to review complex financial, loan, and mortgage documents. Demonstrate exemplary analytical and technical abilities; capable of breaking problems into component parts and addressing issues to develop an appropriate and thorough solution. Employ keen troubleshooting and problem-solving abilities, along with time-management skills and strong ability to make credit recommendations to meet production, quality, and service standards.

PROFESSIONAL EXPERIENCE

Mortgage Lending General Underwriting Guidelines Conventional Loan Underwriting

Loan Processing Underwriting and Credit Review Leadership and Development

Technical Skills:

Microsoft Office Suite (Word, Excel, and Outlook), Fannie Mae and Freddie Mac Guidelines

PROFESSIONAL EXPERIENCE

WELLS FARGO, Lombard, IL

Mortgage Underwriter III 2011-Present

- Perform thorough assessment on all income documentation, tax returns, credit, and asset statements, along with all approval and processing conditions

- Employ keen eye for detail in ensuring accuracy and completeness of transactions

- Guarantee that documents conform with company and industry guidelines

- Leverage superior interpersonal skills in collaborating with mortgage consultants regarding the decision of the transaction

- Provide continuous leadership and guidance to lower level team members

HARRIS BANK, Rolling Meadows, IL

Senior Underwriter 2010-2011

- Evaluated loans submitted for the Harris Portfolio Modification Program, Balloon Modification, and HAMP program, along with loans for any missing documentation and contact the borrower for documents needed

- Applied industry knowledge in reviewing all income documentation, tax returns, assets, and credit

- Determined qualification of borrower for the program according to the guidelines by manually underwriting loans

- Administered the processing of all received trial plan payments

- Communicated with borrowers regarding decisions and sent out denial letters or trial plan documents

HEART FINANCIAL SERVICES, Schaumburg, IL (2008–2010)

Loss Mitigation Quality Assurance Specialist 2009-2010

- Maintained accuracy and conformity with income, debts, and system requirements through extensive loss mitigation loans analyses

- Took an active role in meeting eligibility requirements set by the investors by reviewing the recommended plan

- Identified if delegated approval existed or if MI approval was required by assessing and monitoring loans with private mortgage insurance

- Ensured that findings were properly explained and changes that needed to be made were done prior to the plan being sent to the borrower through close interface with Loss Mitigation Team

- Assumed full responsibility in reviewing and maintaining updates received from the investor, as well as executing the updates into the negotiators daily job responsibilities

HAMP Underwriter 2009-2010

- Capitalized on industry expertise in underwriting loans transferred to Heart Financial Services for HAMP Eligibility, based on PNC and investor guidelines

- Employed LPS in transferring all failed loans to the Loss Mitigation Team to ensure that loans were reviewed for another loss mitigation alternative

Team Lead 2008-2009

- Ensured development of internal team of 15 to 25 people, provided training, coaching and counseling while building a team environment

- Played a lead role in resolving routine and escalated customer service concerns utilizing expert customer service skills

- Maintained up-to-date knowledge of team on all new programs

AMERICAN INCOME LIFE, Woodridge, IL

Life Insurance Sales Agent 2007

- Regularly visited union members’ homes to solicit the sale of life insurance

- Scheduled appointments with all identified leads

WASHINGTON MUTUAL, Itasca, IL

Mortgage Underwriter 2003-2006

- Employed proficiency in identifying and negotiating alternative loan structuring solutions and decisions

- Assured accuracy and compliance with company and investor guidelines by closely examining loans

- Utilized DU in pricing and running loans

- Appraised income, credit reports and appraisals

Senior Loan Coordinator 2002-2003

- Applied best practices in administering a pipeline of more than 120 loans, along with auditing of all incoming credit documents and amending loans to new programs and priced accordingly

- Performed thorough review on loans to ensure compliance with HMDA

- Took an active role in closing loans in a timely manner in partnership with top producers and brokers

- Facilitated training to new senior loan coordinators

EARLIER EXPERIENCE

Loan Processor - GSF MORTGAGE, Schaumburg, IL

Loan Processor - ABN AMRO MORTGAGE, Des Plaines, IL

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