Customer Service Real Estate

Mary E. Hunter

708-***-**** **********@*****.***

Mortgage Underwriter

Results-driven mortgage industry professional with 13 years of underwriting expertise, specializing in FHA, Conforming, Non-Conforming and Non QM Loans. Recognized for consistently exceeding productivity and quality targets while ensuring compliance with State, Federal, and WFHM guidelines. Strong analytical skills and a track record of effective communication and teamwork. Areas of Expertise

Underwriting Expertise Analytical Skills Loan File Management Productivity and Quality Customer Service Adaptability Team Collaboration Mortgage Processing Real Estate Support Highlights

• 13 years of underwriting experience FHA, Conforming, Non-Conforming and Non QM Loans

(Asset Dissipation, Foreign Nationals and Interest Only).

• Deliver high quality loan decisions while maintaining high productivity.

• Capability to make independent loan approval decisions that are compliant with State, Federal and WFHM guidelines for various loan scenarios such as (Purchases, refinances, Jumbos and Harps).

• Strong analytical skills in review of complex files with multiple streams of income specifically in review of tax return schedules including S-Corps, Corporations, and Partnerships. Professional Experience

Wells Fargo Home Mortgage, Lombard, IL 2010 - 2023 Senior Loan Underwriter

Performed meticulous reviews of complex loan files, ensuring strict compliance with FNMA, FHLMC, and Portfolio Lending guidelines, while consistently meeting productivity and quality targets, with the authority to approve loans up to $2.0 million.

• Expertly conducted intricate loan file reviews, guaranteeing strict adherence to FNMA, FHLMC, and Portfolio Lending regulations, safeguarding loan integrity.

• Proficiently executed manual underwrites for non-conforming files, employing advanced AUS systems like DU and LP where relevant, ensuring precise loan evaluations.

• Proactively orchestrated work queues, meticulously managing timelines to surpass SLA commitments and deliver timely loan processing.

• Diligently assessed file completeness and document accuracy, maintaining impeccable record- keeping standards.

• Facilitated clear and efficient communication of loan decisions to HLP and HMC partners, fostering collaborative decision-making.

• Continuously achieved and exceeded productivity, quality, and customer satisfaction targets, consistently delivering exceptional results.

• Held the esteemed authority to approve loans of up to $2.0 million, demonstrating a high level of trust and expertise.

• Distinguished as the #7 Top Underwriter in 2014, reflecting outstanding performance and contribution to the organization's success.

Additional Relevant Experience

Fremont Investment & Loan, Downers Grove, IL

SAC / JR Underwriter 2003-2007

Wells Fargo Home Mortgage, Lombard, IL

Mortgage Loan Specialist

RH Contractor/Mortgage Loan Specialist 2009-2010

Royal Crest Realty, Chicago, IL

Realtor Assistant 2008-2009

Education

Study - Accounting

Robert Morris College, Chicago, IL

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