JEANA GRIFFIN

Professional Profile JPM Chase Bank from 2004-2022

CONTACT

516-***-****

ad2ssf@r.postjobfree.com

PROFILE

Diligent, and skilled Sr. Underwriter with more than 25 years of experience handling the review analysis, and approval of conventional, FHA, JUMBO, Super JUMBO, and Government Grant loans including 203k. Underwriting operations and manager on a large scale while focused on the 3 C's of underwriting, credit, collateral and capacity. Proactive and results oriented with excellent interpersonal and communication skills and experienced in working with different teams and individuals at all levels from diverse cultural and socio-economic backgrounds.

SKILLS

Strong ability to articulate

the borrower's financial

profile and associated

risks;

Experience with complex

mortgage loans for high-

net-worth clients;

Strategic Thinking;

Communication

EXPERIENCE

Jumbo Underwriter IV Tampa, Florida

2015-2022

Manually underwrote for correspondent LOB. Delegated and Non-Delegated loan reviews along with bifurcated reviews. Jumbo loan reviews to ensure that loan requests meet program and product specifications or counter offers to a different product and/or program when appropriate. Underwrote and reviewed submitted files to analyze capacity, capital, character and condition. Communicated decision (approval, suspense or denial) to appropriate individuals within JP Morgan Chase. Ensure suspended loan issues are quickly resolved. Uphold fair lending practices of JP Morgan Chase mortgage. Possess credit lending authority of up to $1,750,000.00

Underwriting Team Manager Garden City, New York

2012-2015

Responsible for the management, coaching, and development of a high-performance team of underwriters ensuring that they are fully trained in the proper application of established company lending guidelines as well as applicable agency and government requirements. Ensured that loan requests met program and product specifications or counter offers to a different product and/or program when appropriate. Ensured suspended loan issues are quickly resolved. Carried out management responsibilities in accordance with Chase policies, compliance, KYC and AML and applicable state laws for the team of underwriters including training, coaching, supervising, motivating, planning, assigning and directing work; monitoring performance and taking appropriate action when necessary. Supervised, developed and utilized system reports to effectively monitor and manage individual daily activity of the team of underwriters to ensure SLA were met or exceeded for both underwriting and conditions review. Responsible for ensuring the proper training of the Underwriters on the LOS, AUS, regulatory and compliance policies. Participated in and/or facilitated resolutions of individual file conflicts. Conducted the review of EDUCATION

Certification; Long Island

Association of Professional

Mortgage Women

Certification; Capstone

Institute of Mortgage

Finance

files requiring a second look at established Chase and agency policies. Organized and facilitated daily team huddle meetings. Reviewed Policy Updates; provided NUOS clarification. Participated in the selection and interview process for Underwriter candidates

SR DE GOV. FHA/VA UNDERWRITER Garden City, New York 2004-2012

Underwrote complex mortgage loans for high-net-worth clients. Performed business financial statement analysis along with complex income tax return analysis. Analyzed loans within delegated credit authority and in accordance with credit policy and credit culture. Proactively managed the assigned pipeline. Assisted in identifying or recommending alternative loan solutions. Ensure data accuracy. Underwrote within the lending standards and risk appetite. Ability to comprehend business financial statements and personal tax returns. Up to date knowledge of underwriting and credit risk principles Ability to recognize, mitigate and escalate risks where appropriate. Strong knowledge of unique property vesting i.e. trusts and LLCs. Complex self-employed income analysis.

Database Applications/Computer Skills: Encompass,

ZIPPY;CLOSR; FNMA DU FHLMC LPA; Data Verify; Fraud Guard; FHA Connection; Automated Underwriting Engines; Dual Monitors Home Office; Proficient in MS Oice

(Outlook/Word/Excel/Publisher/ PowerPoint); Content Management System platform (CMS); Understanding and working knowledge of Lexis Nexus; Working knowledge of several Compliance & Regulatory laws

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