Mortgage Sales Associate
Resume:
Jamie Schmaedeka
Shakopee, MN 55379
**********@*****.***
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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