Fielding Comtois

***** **** ****** ***** **********, Co 80015 720-***-**** ad088f@r.postjobfree.com Objective

I am a highly motivated, very customer service orientated with business relationships internal and external. I am detail oriented top producer looking to utilize my extensive experience in the Financial Services industry to deliver best in class service and the highest quality results for your company. I have developed additional knowledge in insurance pricing coverages, any insurance issues and finding solutions in complex transactions with maintaining accuracy in underwriting guidelines. I have strong organization and communication skills and can prioritize and multi-task in a high-pressure environment on any team with minimal supervision.

Experience

MORTGAGE CREDIT UNDERWRITER BANK OF OKLAHOMA 07/20 – 10/22

· Established relationships with business sales and account management

· Produce accurate underwriting duties and stayed within in compliance and credit policies and strong product knowledge in all products internally and externally with asset management including reviewing business tax returns with asset dissipation

· Underwrote (higher level risk loans) DE certified for FHA, VA loans, home equity, Government Bonds, and USDA loans

· Exceptional abilities to assist sales and operational teams with goals and meeting and specializing in loan development /and leadership experience

· Completed successful and Flex to doing consumer lending in the home equity line of credit able to work various computer systems

· Maintained compliance with all regulatory lending and underwriting guidelines (including government requirements) Able to identify and assess credit performance and evaluating risks and credit worthiness, including reviews/evaluation of residential appraisals, and partnering on credit and portfolio strategies.

· Analyzed Insurance submissions provided and offer risk suggestions with adequality pricing insurance coverage on all types of complexity loans and staying with underwriting guidelines

· Develop knowledge of insurance issues, products, trends in the market, and pricing principles

· Knowledgeable with extensive training reviewing fraudulent loans including Risk Management. MORTGAGE CREDIT UNDERWRITER NEWREZ 05/18 – 07/20

· Produce accurate underwriting duties and stayed within in compliance and policies, including appraisal reviews for property assessment

· Built Wholesale relationships with various lenders and joint ventures successfully

· Worked under various products and Agency loans that shows value

· Maintained compliance with all regulatory lending and underwriting guidelines (including government requirements) with asset management including reviewing business tax returns with asset dissipation UNIVERSAL BANKER II BANK OF THE WEST 01/17 – 05/19

· Exceptional abilities to assist clients with all banking functions. Page 2

· Perform high level customer transactions accurately of all deposits, transfers, withdrawals, and other transactions in accordance bank policies, procedures, including cross sell opportunities of bank products or referring customers to other areas of the bank.

· Knowledgeable of CTR, SAR forms including reviews of Regulation E transactions within bank policy

· Vault Manager and maintained high volume of currency

· Created banking procedure within in branch

· Commercial Business Lending required documentation from clients in collaboration with the sales and brokerage divisions to support credit risk and approvals.

· Evaluate new applications based on predetermined criteria based on credit and credit card applications

· Data Accuracy for all pertinent personal information about the client is recorded accordingly to credit policy and company guidelines.

· Management and leadership experience

MORTGAGE CREDIT UNDERWRITER AMERICAN PACIFIC MORTAGE 10/16 – 01/17

· Specialized in Fannie Mae, Freddie Mac/ DU/ LP Underwriting/ Government Lending/ Practiced all financial services provided to consumers.

MORTGAGE CREDIT UNDERWRITER WELLS FARGO 08/03 – 10/16

· Mortgage Underwriter (Retail): Government FHA, VA & Conventional

· Subject matter expert on Fannie Mae and Freddie Mac underwriting guidelines.

· Very comfortable reviewing credit, asset & income analysis (including cash-flow analysis), completing risk assessments, and calculating LTV/CLTV, DTI ratios. Develop knowledge of insurance

· Maintained compliance with all regulatory lending and underwriting guidelines (including government requirements)

· Knowledgeable with extensive training reviewing Fraudulent claims and escalations professionally

· Averaged top 5 in underwriting production nationally and above 95% acceptable quality reviews during my time in this position

· Recipient of over 50 Customer Service Nominations and 5 Service Excellence Awards/and leadership experience

WHOLESALE PRODUCTION COORDINATOR COUNTRYWIDE HOME LOANS 03/02 – 08/03

· Point of contact for Wholesale Brokers on rate quotes, scenarios, programs and products

· Maintained the daily pricing exception report and status for entire pipeline

· Processed and priced locks daily

· Data Entry – Appraisal Review/Validation/ Develop knowledge of insurance policies. Pulled Business Credit reports and used Lexus Nexus and Dun and Bradstreet Credit services. BROKER LIAISON PRISM MORTAGE 05/00 – 03/02

· Completed and distributed broker approval packages

· Processed and priced locks daily

· Assisted in preparing closing documentation and funding loans

· Trained retail and wholesale employees on PDS system

· Ordered Credit Reports/ Dunn & Bradstreet through CBC and Affinity / with Asset management including reviewing business asset dissipation

· Created a Wholesale Procedures Handbook

· State of Colorado Notary Public

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Skills & Abilities

PRODUCTION

· Processed For Emerging Markets National Products (EMNP)

· Knowledge of underwriting concepts, practices, and procedures, can facilitate through market materials products and services, reviews and audit proficiency, tax returns and invoices payroll functions

· Locked/ Pricing for all types of loans following national company policies including insurance policies

· Responsible for complying with national company requirements and guidelines on all loans for multiple companies, including Risk Management. Including performing Quality Audit reviews.

· Expertise with automated and manual underwriting (Desktop Underwriting, Loan Prospector, Desktop Originator including other additional applications banking, insurance products and procedures and audits in financial services

· Underwrote (higher level risk loans) DE certified for FHA, VA loans, home equity, Government Bonds, and USDA loans

· Conducted closings for loan officers daily and Manager responsibilities with numerous task including training research, and providing customer support

· Review/ evaluations of appraisals

COMMUNICATION

· Maintained a status report on all pipeline loans for easy reference and updates to partners

· Frequently discuss scenarios and structuring questions from sales partners to ensure high quality loan submissions

· Maintained relationships with 100+ Loan officers and Sales Partners internal and external

· Excellent follow-through and have strong collaborative relationships with borrowers, loan processors, loan originators/sales and management throughout all phases of underwriting and all levels of customer service in a high-volume environment.

LEADERSHIP

· Frequently mentored and trained new employees in every role

· Completed CHAFA, FHA, VA, BOND certifications, DE certified FHA with Chums ID, Consumer Lending OTHER SKILLS

• Microsoft Office Applications (Outlook, Word, PowerPoint, Excel, Access, Loan Applications CRM).

• Type 70-80 WPM, 10 key proficient

Education

METROPOLITAN STATE COLLEGE OF DENVER 1994-1998

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