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Mortgage Underwriter

Location:
Plano, Texas, 75024, United States
Posted:
January 08, 2017

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CREDIT ANALYST MORTGAGE UNDERWRITER

QUALIFICATIONS PROFILE

Detail-oriented, results-driven, and highly analytical professional with comprehensive experience in the financial services; complemented with strategic planning, problem-solving, and decision-making skills in maintaining active communication with clients and account holders to discuss and deal collateral, fund, balances, and settlement issues in adherence to government policies, procedures, and regulatory laws. Knowledgeable of Gramm-Leach-Bliley Act, Truth-in-Lending Act (TILA); Fair Debt Collection Practices Act (FDCPA); Unfair, Deceptive, or Abusive Acts and Practices (UDAAP); and Consumer Protection Act; Fair Credit Reporting Act (FCRA); Service Members Civil Relief Act (SCRA)

AREAS OF EXPERTISE

Bankruptcy and Legal Collections ~ Financial Documents ~ Account Confirmation

Regulatory Compliance ~ Loss Mitigation ~ Tax and Insurance Management

PROFESSIONAL EXPERIENCE

Harley-Davidson Financial Services Plano, TX

Operations Specialist Apr 2012–Present

Recommend effective credit decisions in evaluating financial documents for the business as well as personal income for credit, while acquiring service levels

Work on assigned queues and provide efficient decision to all applications within a set-forth time frame

Individually examine each account for verification or decline with focus on previous credit experience, structure, credit, and equity

Lead efforts in examining possibilities to communicate account holders to gather past due balances or reclaimed collateral

Maintain active communication with account holders to discuss options and obtain collateral by performing multiple outbound calls

Spearhead miscellaneous projects and facilitate trainings, if necessary

Worked directly with the city of Plano commercial recycling to retain Green Business Certification while consulting with local businesses in providing recommendations for their application

Display strategic skills in conducting complex analysis used in decision-making in researching and resolving pending credit applications

Serve as a mentor and resource in assisting and allocating areas for improvement and training

Repo Associate II, Loss Mitigation Mar 2008–Apr 2012

Assumed accountability in skip-tracing and repossession of charged-off collateral as well as deficiency balance collections

Discussed and dealt settlements with debtors for the best interest of the company

Rendered assistance with the monitoring and management of miscellaneous projects, as needed

Coordinated with repair shops, federal, and local governments in Canada and the United states regarding impounded collateral

EARLIER CAREER

Capital One Plano, TX

Originations and Servicing

Moss Codilis LLP Lewisville, TX

Breach Coordinator

EDUCATION AND CREDENTIALS

Bachelor of Science in Business Administration, In Progress (Expected Completion Date: May 2019)

Columbia Southern University, Orange Beach, AL

Green Business Certification Sigma Six Yellow Belt Certification

AWARDS

North Texas Recycling Award, 2015

Integrated Waste Management Program of the Year

Environmental Commitment, 2014 Single-Stream Recycling, 2013

Harley-Davidson Financial Services (HDFS) Inc.

AFFILIATION

“Green Team” H.EA.R.T Team

Harley-Davidson Financial Services

ACTIVITIES

Habitat for Humanity, Volunteer

North Texas Food Bank, Volunteer

Golden Retrievers of North Texas Foster care

TECHNICAL ACUMEN

Microsoft Office Suite (Word, Excel, Outlook, Visio, and PowerPoint)

Apple Office Products (Numbers, Pages, and Mac OS X)

Windows Skype



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