JE JAIME L. ELLIS

Port Saint Lucie, FL ***** 401-***-****

ad14ak@r.postjobfree.com

PROFESSIONAL

SUMMARY

Astute and methodical Senior Mortgage Underwriter with significant background working with complex customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. SKILLS Loan Restructuring

Serve Customer Needs

Fraud Prevention and Detection

Analytical and Critical Thinking

Government Lending

Loan Product Knowledge

Microsoft Office

Application Analysis

Residential Loans

Customer Experience

Eligibility Requirements

Active Listening and Learning

Bank Security Issues

Manage Complaints

EXPERIENCE

HIGHLIGHTS

Determined credit risks by reviewing files and comparing data against internal checklists and guidelines.

Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.

Worked with processing team members to communicate errors and obtain missing information for current applications.

Verified integrity of applicants' information to minimize fraud. Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.

Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions. Trained junior team members in underwriting procedures and loan quality grading standards.

Monitored pipelines to track and log status of loans. Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans. Determined and documented loan conditions and communicated requirements and decisions.

Analyzed credit, income, compliance, title documents and appraisals during underwriting process.

Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions. Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.

WORK HISTORY UNDERWRITING MANAGER 11/2021 to 12/2022 Shamrock Home Loans East Providence, RI

MORTGAGE UNDERWRITER 10/2017 to 10/2021

Shamrock Home Loans East Providence, RI (Remote) UNDERWRITER 08/2016 to 09/2017

Stearns Lending Warwick, RI

UNDERWRITER 01/2013 to 08/2016

Citizens Bank Warwick, RI

CERTIFICATIONS Certified FHA DE

VA SAR

EDUCATION Bellevue Real Estate School, Newport, RI Real Estate Sales

New London High School, New London, CT