Customer Service Quality Control

A pril Wagner

N M LS#******

Phone: 859-***-**** /Email:*************@*****.***

Financial Analyst with an American multinational banking and financial services company, ranked as

the largest US bank, and the second largest bank in the world, by assets. Rated as a “top performer”

with a consistent track record for meeting or exceeding production goals and customer expectations.

Well-organized with great time management skills. Adept at training staff on procedures, protocols,

best practices, and utilizing team building exercises to increase production and morale. Works well

independently as well as collaboratively on a team.

CORE SKILLS

•Excellent attention to detail •Excellent written and verbal communication skills •Excellent analytical skills

•Extensive knowledge of conforming underwriting programs •Excellent credit risk and self-employed

analysis skills •Strong mathematical and computer skills •Superior Internal/External customer service

skills •Ability to multi-task and work in a fast pace environment •Ability to work independently, as well as

part of a team •Effective and responsive telephone etiquette •Solid experience in underwriting multiple

loan types •DE Certification •USDA with GUS AUS experience

PROFESSIONAL EXPERIENCE

Various Contract Work Mortgage Underwriter 2014-present

Worked the following short term contract positions until all assignments were completed for full length of

contract

• Accountemps: US Bank Loss Mitigation Underwriter (September 2014-February2015)

NCB Bank in Loan Servicing Department Cincinnati OH (May-August)

• Digital Risk : as Senior Mortgage Underwriter (February 2014-June2014)

Reason for leaving: Seeking Permanent Opportunity

Chase Senior Mortgage Underwriter 2012-2014

Manual/Paperless underwrite loan files with review of credit, collateral, tax returns, financial statements,

income and other supporting documentation required to make a decision based on guidelines of loan

program requested and any overlays that may exist.

• Review and analyze submitted loan file to determine decision of routine mortgage loan requests

Communicate with Broker, Loan Originator, Processor, Closing Department, Review and clear all

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conditions, prepare file to be sent to closing.

Current lending authority $450,000.00

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Reason for leaving: Company Downsizing

Residential Acceptance Corp Senior Mortgage Underwriter (remote) 2010-2012

Manual/Paperless underwrite loan files with review of credit reports, collateral, tax returns, financial

statements, income and other supporting documentation required to make a decision based on USDA,

Conventional, and VA guidelines and company over-lays.

• Review and analyze submitted loan file to determine underwriting decision for mortgage loan

Communicate with Broker/Loan Originators/Processors, title company to follow up on file status,

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review and clear conditions, and prepare file to be scheduled for closing requests

Reason for leaving: Opportunity for growth, advancement and stability

Various Contract Work Mortgage Underwriter 2007-2010

Worked the following short term contract positions until all assignments were completed for full length of

contract

• Aerotek: @ Fifth Third Bank: as Underwriter, Junior Underwriter and Processor: Cincinnati OH

Adecco: @ Fifth Third Bank: as Underwriter, Junior Underwriter and Processor: Cincinnati OH

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Manpower: @ QDS as Senior Underwriter: Atlanta GA

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Remote Contract Undrewriting for various companies

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Reason for leaving: Permanent Employment

Countrywide Home Loans Sr.SLD (Exception Desk) Underwriter 2005-2007

Responsible for performing underwriting credit analysis for newly originated loans (Jumbo loans and

loans needing exceptions to guidelines).

• Team Lead/Performed t raining of new employees and updated policies

• Performed analysis of property value and assets

Complete knowledge of complex personal and business financial analysis

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Sub-prime wholesale and retail mortgage underwriting skills

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Lending Authority of $800,000.00

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Reason for leaving: Company Downsizing

Lydian Data Services Senior Mortgage Underwriter 2003-2005

Responsible for performing underwriting Manual/Paperless loan files with review of credit, collateral, tax

returns, financial statements, income and other supporting documentation required to make a decision

based on guidelines of loan program requested and any overlays that may exist.

• Team Lead/Performed training of new employees and updated policies

Quality Control, Enhanced Due Diligence and AML Underwriting

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Post underwriting credit and compliance for large banks

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Frontline underwriting/Pre-funding underwriting/Wholesale both credit and compliance

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Reason for leaving: Opportunity for growth, and advancement

Washington Mutual Senior Mortgage Underwriter 2000-2004

Responsible for performing underwriting Manual/Paperless loan files with review of credit, collateral, tax

returns, financial statements, income and other supporting documentation required to make a decision

based on guidelines of loan program requested and any overlays that may exist.

• Assisted in processing and pricing for the loan

Served as a junior underwriter preparing files and clearing conditions

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Assisted the Closing Department in preparing loans for shipment

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Reason for leaving: Company Downsizing

EDUCATION

Diehl & Associates DE Certified

Thomas More College-Business Studies

COMPUTER SKILLS

MS Word, Microsoft Office, Excel, GUS, LP, DU, CLUES, JUMP, Calyx, Zippy, Closer, MSP, LPS, Outlook,

Adobe Acrobat

SUMMARY

15 plus years, experience in the mortgage industry including frontline, due diligence, fraud, quality control,

paperless and manual underwriting with retail and wholesale loans. Experience underwriting the following

types of refinance and purchase loans: USDA, FHA, VA, Jumbo, Conventional, Texas, HARP

Contact this candidate