Jocelyn Carr

SENIOR MORTGAGE UNDERWRITER

Maineville, OH 513-***-**** ad3f4b@r.postjobfree.com

Professional Summary

Astute and methodical Senior Mortgage Loan Underwriter with more than 20 years' experience working with Residential & Commercial customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with accuracy and attention to detail. Experience

Union Savings Bank Senior Mortgage Loan Underwriter 2022 - 2023

• Assess credit risk of commercial loan portfolios via annual reviews of commercial lending departments and products by identifying potential systemic problems such as new production sampling and criticized loans in portfolio.

• Reviewed appraisals and title documents to verify accuracy and completeness.

• Approved loan applications based on customer creditworthiness and provided detailed financial advice.

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

• Managed a portfolio of 1500 commercial clients.

• Kept informed regarding pending industry changes, trends or best practices.

• Assisted compliance reviews for HMDA violations.

• Maintained composure in stressful situations, confrontations, interviews and records searches. Better Mortgage Senior Mortgage Loan Underwriter 2021 – 2022

• Perform analysis of assets, complex income (corporate & personal tax returns, profit & loss, & balance sheets), credit & collateral documents for loan viability.

• Review all loan documentation and utilization of risk programs to identify potential fraud.

• Provide detailed explanation and support for loan credit and property exceptions to senior management as per loan programs.

• Manage assigned pipeline of 125; keeping within service level agreements.

• Train and Mentor junior underwriters, reviewing files and training.

• Keep open communication with all parties involved to ensure on time closings.

• Reviewed appraisals and title documents to verify accuracy and completeness.

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

• Collaborated with loan officers and processors to obtain additional information and resolve discrepancies. Vaco Staffing Contract Mortgage Underwriter 2020 – 2021

• Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.

• Approved or denied loans based on established criteria and underwriting guidelines.

• Reviewed appraisals and title documents to verify accuracy and completeness.

• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.

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

• Monitored pipeline of 150 to track and log status of loans. Ascendum/Vora Senior Mortgage Underwriter 2019 – 2020

• Participate in special projects and assignments and performs other duties as assigned.

• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.

• Reviewed appraisals and title documents to verify accuracy and completeness.

• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.

• Trained junior team members in underwriting procedures and loan quality grading standards.

• Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.

• Monitored pipeline of 150 files to track and log status of loans. Club Pilates General Manager/Certified Pilates Instructor 2017 - 2020

• Directly coordinate with all vendors, ensuring that studio retail/products are stocked with accurate inventory counts.

• Schedule and participate in networking/community events and studio promotions.

• Strategically manage marketing campaigns to generate leads for the studio.

• Ensure the payroll is completed and turned into HR (Human Resources) Bi-weekly for all employees.

• Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports.

• Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.

• Scheduled employees for shifts, considering customer traffic and employee strengths.

• Completed all recruiting, hiring and training of team members. Trained new employees on proper protocols and customer service standards.

• Interacted well with customers to build connections and nurture relationships.

• Implemented business strategies, increasing revenue and effectively targeting new markets.

• Implemented operational strategies and effectively built customer and employee loyalty. Updated and resolved incidents and managed accessorial charges objectively while maximizing profit.

• Managed budget implementations, employee evaluations, and contract details. Mitigated business risks by working closely with staff members and assessing performance. Maximized operational excellence mentoring personnel on management principles, industry practices, and company procedures. MGIC Contract Mortgage Underwriter 2014 – 2017

• Evaluating and ensuring overall loan documents are accurate, complete, and compliant.

• Used automated scoring system or traditional underwriting to determine acceptability of moderate requests (DU/LP).

• Approved loan applications based on customer creditworthiness and provided detailed financial advice.

• Contacting partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products. Staying abreast of any changes in underwriting guidelines

(Fannie Mae/Freddie Mac).

• Monitored pipelines to track and log status of loans.

• Analyzed potential risks and evaluated loan products to identify suitable options for customers. Wells Fargo Mortgage Loan Underwriter 2012-2013

• Approved or denied loans based on established criteria and underwriting guidelines.

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

• Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.

• Verified integrity of applicants' information to minimize fraud. Worked with processing team members to communicate errors and obtain missing information for current applications. Education

Cincinnati State/University of Cincinnati – 2005-2008 Major: Pre-Pharmacy 3.75 GPA

Phi Theta Kappa - National Honors Society Member

Mt. Notre Dame High School – Diploma 1995

Major: College Prep 3.5 GPA

Skills & abilities

• Mortgage Lending & Underwriting Guidelines

• Credit & Income Analysis, Cash-flow Analysis & Risk Assessment

• Conventional, FHA, VA, USDA, Bond, ARM, Conforming & Non-Conforming

• Quality Control Standards

• Commercial Real Estate

• Regulatory and Compliance

• Understanding Problem Resolution

• Risk Management Strategies

• Customer Service Excellence

• Data Integrity/Detail Oriented

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