Jamie Schmaedeka

**** *** ***** *****

Shakopee, MN 55379

763-***-****

ac6mot@r.postjobfree.com

Career Objective: To continue to advance my underwriting industry knowledge. Desires many challenges and responsibilities with the opportunity for advancement. Aspiring to become an important asset to the company by utilizing my diverse background and commitment to excellence.

Education: Bachelor of Science, St. Cloud State University, MN (1999)

Major: Finance

Associate of Arts, North Hennepin Community College, MN (1996)

Associate of Applied Science, North Hennepin Community College, MN (1995)

Major: Finance Management

Qualifications:

Results-driven, innovative individual

Excels in problem solving and issue resolution

Accomplished leader, mentor, and team player

Demonstrated ability to multi-task

Adept in rapidly changing environments

Excellent presentation and communication skills

Computer proficient in Microsoft products and other major applications

Employment:

2015--2017 Freedom Mortgage

Mt. Laurel, NJ

Underwriter (Remote)

Evaluates risk and performs credit analysis on mortgage loans

Approves, declines, suspends/returns, or provides counter-offers on mortgage loan submissions

Gathers information from customers and partners to make appropriate decisions and explains the rationale behind credit determinations

Mentors new underwriters on proper procedures and provides signature authority

Resolves issues with clients that have a high net worth

Underwrote Conforming and FHA loans with $636,150 signing authority using Edge for Retail and Wholesale loans

Employment:

2014-2014 Radian

Richardfield, MN

Underwriter

Evaluates risk and performs credit analysis on mortgage loans

Approves, declines, suspends/returns, or provides counter-offers on mortgage loan submissions

Underwrote Conforming with $417,000 signing authority using Net Oxygen

Gathers information from customers and partners to make appropriate

3 month contract

Employment:

2008-2014 Wells Fargo Home Mortgage

St Louis Park, MN

Underwriter III

Reviews, analyzes, approves, and underwrites large, unusual, or complex residential mortgage applications within company and industry guidelines

Evaluates risk and performs credit analysis on mortgage loans

Approves, declines, suspends/returns, or provides counter-offers on mortgage loan submissions

Gathers information from customers and partners to make appropriate decisions and explains the rationale behind credit determinations

Mentors new underwriters on proper procedures and provides signature authority

Resolves issues with clients that have a high net worth

Underwrote Conforming and FHA loans with $729,250 signing authority using LIS for Retail and Wholesale loans

Countrywide Bank, FSB

2001-2008 Wayzata, MN

Senior Underwriter

Performed credit and collateral quality analysis to make underwriting decisions

Negotiated rates and pricing with clients

Identified, examined and reported fraudulent loan information

Implemented department process enhancements

Mentored co-workers regarding systems, policies and procedures

Underwrote Conforming, Non-Conforming & Rural Housing loans with $1,000,000 signing authority for Wholesale loans

Menards Inc.

1990-2002Brooklyn Park, MN

Sales Associate

Managed inventory control

Supervised department remodels and plan-o-gram completion

Resolved guest inquiries

Acted as knowledgeable resource for product distribution throughout the store

Mentored new employees in multiple service departments

References: Available upon request

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