Customer Service Sales

HELGA BOARDMAN

**** ******* *****, *******, ** **509

Home: 925-***-****

Cell: 510-***-****

Email: abl196@r.postjobfree.com

OBJECTIVE: Underwriter

HIGH LIGHTS OF QUALIFICATION

. Strong analytical and problem solving abilities.

. Able to plan, prioritize and implement activities.

. Experienced team worker; able to work cooperatively and

independently.

. Dependable, hardworking, creative and proactive.

. Academic background in finance, with 11 years mortgage

experience.

. Exceptional customer service.

. Strong computer skills.

RELEVANT EXPERIENCE

Underwriter

. Reviewed; analyzed credit package and manually underwrite loan file to

determine borrower's eligibility for a loan.

. Reviewed all supporting documents present in the file, ran the numbers

through Automated Underwriting System DU or LP for approval.

. Familiar with Fannie Mae and Freddie Mac guidelines

. Calculate borrower's debt to income ratios, income and asset

documentation (Tax returns, paystub, bank statements, 401k, IRA, Gift

funds).

. Reviewed loan application information for accuracy and analyzed all loan

supporting documents.

. Analyzed/reviewed credit reports, appraisals, Condo HOA certification,

prelim, purchase contract etc.

. Performed Loan restructuring manually and through Automated Underwriting

System (AUS)

. Communicated loan decisions to the brokers, sales team and loan account

managers recommending alternative structuring if applicable.

. Communicated company's policies and procedures to customers.

. Approved loans based on qualification and strength of the file.

. Provided exceptional customer service to brokers.

Loan Processor

. Processed both FHA and conventional loans.

. Ran LDP (Limited Denials of Participation), GSA (Government Services

Administration List) and CAIVERS (Credit Alert Interactive Voice Response

System) through FHA Connection for all FHA loans.

HELGA BOARDMAN

. Reviewed, analyzed credit reports, calculated income documentation (Tax

returns, paystub, bank statements, 401k, IRA, Gift funds, HUD) and

cleared loan approval conditions.

. Restructured loans after approval was issued and made necessary changes

to the loan files.

. Reviewed and analyzed loan files to make sure pricing is accurate before

proceeding to lock the loans.

. Solved and answered questions from brokers regarding their loan files.

. Called title companies, brokers and confirmed their fees before ordering

loan documents.

. Ordered loan documents after satisfactorily clearing all prior to loan

documents conditions.

. Reviewed and analyzed customer's application and performed employment

verification.

. Satisfied all prior to funding conditions before funding loan.

. Effectively and efficiently managed monthly funding of over $40 million.

. Responsible for reviewing and verifying all loan application.

. Provided excellent customer service to the bank customers.

. Consistently met and exceeded sales monthly goals.

. Organized, prioritized and completed large volumes of work independently

within stringent deadlines.

. Communicated effectively with the branches.

Account Specialist / Customer Service Rep.

. Prepared and sent necessary documents to DMV for transfer of ownership

and to register the bank's interest in the various vehicles financed by

the bank.

. Responsible for opening new accounts.

. Provided excellent customer service, established and maintained

professional relationships with customers.

. Processed commercial, individual checking and savings deposits.

. Performed account servicing and Maintenance.

. Executed wire transfers.

. Processed Federal tax deposits.

. Responded and resolved customer complaints.

. Performed daily balancing of account reconciliation.

. Cross -sold bank's products and services.

EMPLOYMENT HISTORY

2009- 2010 FPF Wholesale Underwriter, Concord, Ca

2008- 2009 Contemporary Services (Wells Fargo) Underwriting

Assistant Concord, Ca

2007-2007 Scme Mortgage Bankers Underwriter, Concord, Ca

2003-2006 Ownit Mortgage Solutions Loan Processor, Concord,

Ca

2001-2003 Bank of the West Loan Processor, Walnut Creek,

Ca

1999-2001 Summit Bank Accounts Specialist,

Oakland, Ca

1999-1999 Washington Mutual Bank Customer Service Rep.,

Oakland, Ca

1998-1998 Stanford University Computer Consultant,

Stanford, Ca

HELGA BOARDMAN

EDUCATION AND TRAINING

Enugu State University of Science and Technology, Nigeria - B.S Finance;

Transcripts Evaluation by World Education Services New York, USA.

American School of Mortgage Banking - Conventional Underwriting.

California Certified Tax Prepare- CTEC License.

Computer Skills: Proficient in Microsoft Word, Microsoft Excel, Microsoft

Access, Point, Power Point, Outlook, and Microsoft

project.

References: Available upon request.

Contact this candidate