Customer Service Quality Control
Resume:
Michelle M. Moore
**** *********** ******, *********, ** 28217
**********@*****.***
Objective: A position that will allow me to collaborate and implement my
educational background in computer information systems and my retail
banking experience, as well utilize my managerial skills as a means to
enhance the public image of a business, company or organization.
Education: Georgia State University - December 2002
Atlanta, GA
Bachelors of Science - Computer Information Systems GPA 3.9
Software: AS 4000, Moody's Risk Analysis, Encompass Proficient in Microsoft
Windows
Summary of Qualifications
. Reviewed and reconciled financial statements and general ledgers for wire
transfers and escrow departments to maximize organizational profit and
minimize risk and loss.
. Experience in underwriting Retail Conventional loans, Commercial and
Small Business lending including Fannie Mae and Freddie Mac guidelines,
desktop underwriting, and FHA.
. Reviewing loan modifications applications and financial documents to
determine eligibility.
. Review, examine and underwrite loans to ensure soundness, business value
and compliance with Investor guidelines. With underwriting signing
authority of one million dollars.
Experience
Wells Fargo Home Mortgage - Underwriter / Analyst Minneapolis, MN
March 2009 - January 2011
. Analyzed, structured and priced loans consistent with compliance policies
and documenting loan data and credit worthiness of borrowers
. Performed quality control and month / year end audits and risk analysis
through thorough investigations.
. Managed a pipeline of Retail Conventional loans to ensure applicable
ratios, credit scores and documentation
. Met all file documentation standards, comply with underwriting and
authority level standards, and pass internal and external audits
Radian - Loan Investigator / Underwriter
Philadelphia, PA
July 2008 - January 2009
. Independently conducted full and comprehensive evaluations of a variety
of complex,
High-risk mortgage loan applications.
. Implemented fraud detection practices and performed compliance reviews
and audits.
. Researched and evaluated the subject property, credit worthiness and debt
/ loan to value ratios of the borrowers.
Freedom Mortgage - Underwriter II
Cherry Hill, NJ
June 2002 - July 2008
. Obtained signing authority of one million dollars, handled all jumbo
loans, based on documentation requirements of secondary markets.
. Monitored default, modified, and foreclosed loans for determination of
investor guidelines.
. Trained and mentor new assistant underwriters with established
guidelines, rules and regulations and conduct coaching sessions.
. Reviewed financial statements, balance sheets, income statements to
evaluate the strengths and weaknesses of borrowers.
. Audit, price and analyze files, to certify all proper documentation
required has been obtained.
Fidelity Bank - Customer Service Manager Atlanta,
GA
May 1999 - May 2002
. Reviewed borrowers' retail, mortgage and commercial loan applications to
ensure information listed was accurate.
. Assist customers with disputes, complex transactions, and account
maintenance.
. Performed pre-screening loan evaluations of potential borrowers by
reviewing credits
.
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