Janice Falise

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

Graham, Washington 98338

Cell Phone 253-***-****

Email: ac8z87@r.postjobfree.com

EMPLOYMENT HISTORY

Timberland Bank Gig Harbor, Washington – February 2014 to June 2018

Senior DE Underwriter-AVP Expertise in Construction Loans, Direct Construction of contract strategy and approves contracts for projects. Evaluates contractor proposals. Administers contractor activities. Contract change negotiations, constructability reviews, cost schedule, customer and contractor reviews to ensure compliance with standard operating procedures. Oversee and lend expertise to less experience employees (Jumbo Loans), Conventional, FHA, VA, Fannie Mae and Freddie Mac, HUD Loans, Consumer, Home Equity Loans SBA Loans. Underwriter known for strengths in risk assessment, income/credit analysis and documentation review and appraisal review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality. Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close. Underwrite and Approve or Deny Conventional and portfolio construction loans with investor guidelines and portfolio guidelines. Underwrite Consumer Loans, Lines of Credit, Approved or denied these types of loans. Analyzed business and personal tax returns for credit qualifications in determining approval based on established guidelines. Provided constructive feedback to team as required and communicated internal policy changes as well as regulatory changes pertaining to guidelines. Coordinate relationships with all customers. Team work with the underwriting team to meet customers requests on time and within project scope. Took part in meetings to make suggestions to meet the market demands and changes in upcoming guidelines. Assist Manager in developing employees professionally through effective coaching and training. Perform, maintain, and observe assumed duties including performance management, coaching, training, cross-training, staff relations, workflow management, inventory, positive/professional image and keep supervisors informed, and continue with Timberland Bank goals. Assist in supervising branch employees. Responsible for opening and closing the branch. Updating online project communication, status reports, minutes, metric data, project task tracking. Coordinate meetings manage schedule, FHA Direct Endorsement, VA Staff Appraisal Reviewer (SAR) designation.

Freedom Mortgage, Graham, Washington – September 2012 – August 2013

Remote Regional /Underwriter -Responsible for Underwriting Conventional, FHA and VA Loans including Condominiums for any State within the United States. Promoted within eight months of initial hire as Regional Manager to provide underwriting services within large, full-service regional lender offering both conventional and government loan programs.

Bank of America- On contract in Bellevue, Washington – August 2011 – September 2012

Senior Auditor: Developed and executes audit programs and testing procedures relevant to risk and test objectives. Ensured audit conclusions are based on a complete understanding of the process, circumstances, and risk and are well documented. Identified risks and how they impact the business. Identified areas for improvement and can make control and process recommendations. Managed obstacles and formulated effective solutions. Strengths, Built, developed and maintained strong business relationships with colleagues on team and business and technology partners. Effectively communicated audit issues to management and clients verbally and in writing

Alaska USA Mortgage, LLC on contract Federal Way, WA. October 2009 – January 2011.

Senior DE Underwriter- Underwrote FHA, VA, Freddie Mac, Fannie Mae, USDA Loans, Jumbo Loans and SBA Loans, reviewed these files for approval while ensuring compliance with investor guidelines. Provided constructive feedback to team as required and communicated internal policy changes as well as regulatory changes pertaining to guidelines. Approved up to $1,000,000.00 Lending limit. Provided constructive feedback to team as required and communicated internal policy changes as well as regulatory changes pertaining to guidelines. Coordinate relationships with all customers. Team work with the underwriting team to meet customers’ requests on time and within project scope. Took part in meetings to make suggestions to meet the market demands and changes in upcoming guidelines.

PROJECT HIGHLIGHTS

Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability. Achieved the highest loan-funding rate in 2017 in the history of Timberland Bank with a 4-member underwriting team. Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting Construction Portfolio Loans, Jumbo Loans, FHA, VA and Fannie Mae and Freddie Mac Loans. Maintained meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine risk and repayment capacity. Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements. Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.

SKILLS

Lending & Underwriting Guidelines, Credit & Income Analysis, Cash-Flow Analysis, Risk Assessment, Loan-to-Value Ratios, Debt-to-Income Ratios, Conventional & Government Mortgages, Conforming & Nonconforming Loans, ARMs, Construction Loans, Consumer Loans, Line of Credit, Loan Closing, Funding & Documentation, Account Service Excellence, Encompass Calyx Point, Auditor.

ACCOMPLISHMENTS

Thirty-Five years of Industry experience in Auditor, Loan Administration, Commercial and Consumer loans, Credit Analysis, Loan Operations. Complete loan file reviews leveraging legal compliance for the companies I worked for. Increased sales volumes across all channels, Successful in customer retention, deliver products more effectively and profitably. Solid knowledge of applying internal auditing and accounting principles and practices. Ability to manage project to scope and objectives, oversee a diverse team, and be accountable for overall project deliverable and execution.

TECHNOLOGY TOOLS:

Calyx Point and Point Central; Byte Pro; DU and LP systems; MS Word and Excel

EDUCATION:

NW Bible College 1998

International Air Academy 1995

American Institute of Banking – Business, Economics, Finance 1984

Portland State University –Business and Economics 1980