Angela Walter

Berkley, MI 248-***-**** ad3mw1@r.postjobfree.com LinkedIn

Senior Mortgage Underwriter

** ***** ** ******* ********** loan product expertise, attention to detail, and strong analytical abilities to maximize outcomes and minimize risk for financial institutions

Detail-oriented with expertise processing purchase and refinance residential mortgage transactions, including non- conforming, conventional, conforming, USDA, VA, FHA, FHA Streamline, Jumbo, and HELOC. Expertise in assuring regulatory compliance with disclosure and verification requirements. Adept at utilizing loan origination software to review and verify application information, notify borrowers of underwriting decisions, and maintain open communication with applicants and professional partners throughout the processing period. Proven analytical and problem-solving abilities with a focus on delivering excellent customer service, providing feedback to management on loan activities, and collaborating in fast-paced, team environments.

Areas of Expertise

Mortgage Underwriting

Information Gathering

Credit History Review

Credit Decision Explanation Risk Analysis

Fraud Detection/Prevention

Team Training/Supervision

Financial Analysis

Process Improvement

Loan Feasibility Assessment

Customer Service/Complaint Management

Decision Making

Federal Regulations/Fair Housing Act

Report Preparation

Communication/Interpersonal Skills

Professional Experience

Flagstar Bank, Troy, MI

Senior Mortgage Loan Underwriter, May 2008 - February 2024

Analyzed tax returns, financial statements, and credit history of applicants to evaluate feasibility of loan approval. Collaborated with loan originators, processors, and other partners to assess risk and determine eligibility of loan applicants. Approved/denied loan applications and explained reasoning behind decisions to applicants with a focus on upholding high customer service and brand standards. Resolved issues and listened to customer complaints to ensure a positive customer experience. Maintained compliance with company policies and regulatory requirements such as the Fair Housing Act, and liaised with third parties to facilitate gathering of loan file requirements.

Analyzed financial data of up to 100 loan applications per month with a minimum of 99% accuracy rate.

Maintained a 24-hour turn-around time for loan approvals and resubmissions, exceeding company expectations.

Provided training and mentorship to junior team members, improving overall team performance.

Reviewed loan agreements and supporting documents for completeness and accuracy, reducing loan processing errors.

Developed and implemented new fraud detection techniques, reducing fraud cases.

Education

College-level Coursework in Business, Michigan State University, East Lansing

Technical Skills: Oracle PeopleSoft, LexisNexis, Automated Underwriting System (AUS), Microsoft Office, Video Conferencing Sofware/Apps

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