Mortgage Underwriter
Resume:
Chrystal C. Boyd
Hamden, CT *****
********.*******@*****.***
Banking Professional
Profile
Knowledgeable banking professional with experience in underwriting. Ability to establish and maintain customer relationships, provide banking services, qualify loans all while ensuring compliance with bank and government regulations. Proactively meeting sale goals by utilizing vast knowledge of the financial products. Awarded as the Team Productivity Manager. Organized and detail oriented with the ability to troubleshoot customer issues and generate solutions. Computer skills include MS Word, Excel, PowerPoint, Access, Outlook, Interact, Home Retention, AS400, and Internet savvy.
Core Skills
Customer Service
Loss Mitigation
Sales
Management
Marketing
Accounting
Negotiation
Credit Cards
Loans
Experience
Webster Bank
Consumer Lending Underwriter (Cheshire, CT) May 2015-Present
Examine information to determine risk involved in lending for home equity loans and lines of credit.
Review applications, appraisals, and title searches to ensure sufficient to loan standards and guidelines.
Possess lending authority to approve, deny, or extend counteroffers for home equity products.
Review and analyze borrowers’ financial documents, i.e. tax returns, bank statements, paystubs, profit and loss statements and credit bureau reports.
Bank of America May 2006-February 2015
Officer; Mortgage Underwriter (Southington, CT) July 2012-February 2015
Work with multiple investor verticals such as Fannie Mae, Freddie Mac, and Federal Housing Administration.
Work with internal areas, external third party vendors and borrowers, through both written and verbal negotiations, in an attempt to mitigate foreclosure.
Review and analyze borrowers’ financial documents, i.e. hardship letters, tax returns, bank statements, paystubs, profit and loss statements and credit bureau reports.
Customer Assistance Specialist September 2011-July 2012
Met face-to-face with customer experiencing financial hardship to assist with home loan modifications.
Managed and tracked a pipeline of delinquent loans throughout the modification process.
Ensured compliance with federal laws and company guidelines in order to minimize loan losses and legal concerns.
Personal Banker (Naugatuck, CT) July 2009-September 2011
Established new and enhanced existing relationships with customers by managing customer portfolios, servicing and cross-selling all products and services.
Interviewed and processed consumer loan/credit line requests for customers.
Provided a broad base of financial and credit services with the goal of acquiring 100% of the customers' business.
Customer Assistance Account Manager (Hunt Valley, MD) February 2009-June 2009
Assisted consumer credit card members that are experiencing financial stress.
Protected bank assets and mitigated losses through repayment negotiations.
Contacted consumer credit card members to evaluate risk behaviors and resolve account delinquency.
Relationship Manager (Hunt Valley, MD) May 2006-October-2007
Supervised 10 Customer Satisfaction Account Managers with productivity and paperwork efficiency.
Assisted customers with 250 different credit cards, unsecured lines of credit and home equity loans.
Communicated with customers in writing and by telephone to obtain information and clarify requests.
Operated computerized systems for tracking, material distribution, information gathering and troubleshooting.
Education
Spelman College, Atlanta, GA
Bachelor Degree in Psychology
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