Janet Johnson

Mortgage Underwriter

Oceanside, NY 11572

acskbp@r.postjobfree.com - 773-***-****

WORK EXPERIENCE

Retail Mortgage Underwriter

JPMorgan Chase - Garden City, NY - April 2012 to March 2015

•Review first mortgage loan applications for completeness and integrity of loan data.

•Conventional underwriting of owner-occupied/non-owner occupied, one-to-four family homes, including HARP loans.

•Prepare a detailed underwriting analysis identifying a borrower(s) capacity for repayment and understanding of a borrower(s) personal financial condition.

•Submit files through automated underwriting software (Zippy, DU, LP).

•Review automated recommendation to approve the loan or refer it for further analysis.

•Determine applicable loan conditions/documentation requirements, and review/clear conditions.

•Complete reviews of residential appraisals for reasonableness and adherence to current regulations.

•Prepare and submit loans to integrity operations for further review of high risk files.

Senior Mortgage Loan Officer (CRA Division)

The Northern Trust Company - Chicago, IL - June 2008 to February 2012

•Provide expert financial advice on mortgage loans.

•Meet with applicants to obtain information for loan applications and to answer questions about the process.

•Carefully analyze documents and inform borrowers of missing items.

•Submit application and supporting documentation for underwriter review and recommendation.

•Manage my pipeline including month-end reports, compliance issues, and external communications.

•Built knowledge about the latest mortgage products and services through workshops and industry events.

•Effectively maintain a base of productive realtor relationships.

•Regularly exceeded sales goals by 30-40 percent.

•Gather and provide CRF and KYC compliance documentation to the mortgage compliance department.

Processor

Great Northern Financial Corp - Rolling Meadows, IL - November 2006 to March 2008

•Open loan files and reviewed applications for accuracy and completeness.

•Provide support to loan officers and underwriters by ensuring a timely, and accurate processing of mortgages

•Keep in contact with borrowers, and title companies on updates concerning pending documents and subordination agreements for closing.

•Review and verify borrowers' income, credit reports, employment histories, and asset information to prepare loan applications for underwriting submittal.

•Maintain the pipeline of 30-40 loans.

•Prepare closing documents and ordered wire transfers.

Processor/Assistant (to the mortgage manager)

United Community Bank of Lisle - Hinsdale, IL - October 2005 to November 2006

•Sole processor for the branch.

•Maintain the pipeline of over 30 loans.

•Review loan application packages for accuracy and completeness.

•Pre-Underwrite loans prior to submission to lenders such as Bank of America, and HSBC.

•Maintain contact with borrowers, loan officers, and underwriters during the entire loan process.

•Review closed files for completeness prior to submitting to investors for funding.

•Support the compliance manager in gathering information for HMDA and HOEPA audits

Loan Officer (CRA Division)

Charter One Bank - Chicago, IL - November 2004 to September 2005

•Create and maintain liaison with local referral networks.

•Interview and pre-qualify prospective borrowers.

•Obtain and evaluate pertinent documents prior to underwriting submission.

•Maintain contact with borrowers, processors and underwriters until loan closed.

Processor/Operations Support

Hinsdale Bank & Trust (WINTRUST) - Hinsdale, IL - June 2003 to October 2004

•Open loan files and review mortgage loan applications for accuracy and completeness.

•Submit loans through automated underwriting systems (DU, LP) prior to underwriter review.

•Maintain contact with borrowers, loan officers, and title companies on updates concerning pending documents and subordination agreements for closing.

•Order credit reports, appraisals, and title.

•Review closed files in a timely manner to ensure all required documentation was provided prior to submitting to investors for funding.

•Prepare whole sale rate sheets, realtor feature sheets, and loan comparison sheets

Teller Supervisor

Clarendon Hills Bank and Trust (WINTRUST) - Clarendon Hills, IL - August 2001 to May 2003

•Provide excellent customer service and cross sell of various bank products

•Balance the branch and ATMs

•Maintain inventory record of cashiers’ checks, money orders, and travelers’ checks

•Interview applicants for teller positions, train and coach teller staff, prepare weekly schedules, conduct year-end reviews, and perform audits.

EDUCATION

Bachelor's in Business

University of Phoenix-Online Campus - Chicago, IL

August 2012 to May 2016

Associate in Applied Science in Business Administration

Northwestern Business College - Hickory Hills, IL

October 1999 to August 2002

ADDITIONAL INFORMATION

Multi-faceted, efficient & reliable mortgage professional with 10+ years of experience in the mortgage and banking industry. Proficient in all of the standard office desktop software, including CLOSR mortgage software.

Diversified skill sets covering client relations, pipeline management, processing, originating, and underwriting. Comprehensive knowledge of underwriting guidelines and restrictions for conventional, conforming mortgages Work collaboratively with team members to drive deals to successful funding and close. Excellent interpersonal skills, as well as phone and digital communications skills.

I was laid off in March of 2015. There had been an ongoing reduction of staff as of the beginning of 2014. The Chase, Garden City underwriting center closed November 2015. After the loss of my employment. I decided to focus my attention on working towards completing my bachelor’s degree in business. I will graduate in the spring of 2016.

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