Customer Service Credit Risk
Resume:
Mattawan, MI *****
*************@*****.***
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EDUCATION AND
TRAINING
Associate of Arts
Finance
KVCC, Kalamazoo, MI
May 1996
SUMMARY
Highly motivated underwriter with over twenty years of underwriting experience in FHA, VA, USDA and Conventional loan products. I believe the knowledge and skills I have acquired can be used in areas within or outside of the mortgage field. In addition to the risk analysis required to underwrite a mortgage I have leadership and coaching experience. SKILLS
EXPERIENCE
CREDIT RISK SCENARIO SPECIALIST
Prosperity Home Mortgage Chantilly, VA December 2021 - December 2023
*Worked with loan officers, processors and underwriters to identify and clarify Investor
Guidelines
*Point of contact to investors when questions required escalation
*Primary member of Credit Analysis team calculating all self employment and wage earner income
*Received compliments from the sales staff for my turn times as well as my communication skills and customer service
UNDERWRITING COACH
Loan Depot Foothills Ranch, CA April 2021 - November 2021
*Performed New Hire Call for all newly hired underwriters
*Mentored underwriters. This involved teaching the Loan Depot underwriting philosophy, providing a beginning to end, step by step example of the underwriring process and daily calls with mentees
*Taught "upskill" classes to current employees who wished to advance
*Sat on committee which set expectations and goals for each underwriter
*Collaborated with team to update and/or create new training materials SENIOR UNDERWRITER
Amerifirst Home Mortgage Kalamazoo, MI April 2020 - April 2021
*Utilized credit, income and risk assessment skills, as well as my years of experience to provide underwriting decisions for FHA, VA, USDA and Conventional loans
JENNIFER AUBUCHON
• Dedicated
• Personable and friendly
• Program leadership
• Mentoring and coaching
• Group leadership
• Self-motivated
• Staff development
• Encompass
• Empower
• 20+ years underwriting
experience
JA
*This included reviewing appraisals, title commitments and Home Owners Declaration pages
*Point of contact for sales on production and guideline questions
+My thorough knowledge of Mortgage Builder was called upon to help solve system errors
*I was often a liason between underwriting ans sales due to my excellent communication skills
SENIOR BRANCH UNDERWRITER
Geneva Financial LLC Chandler, AZ February 2020 - April 2020
*Brought on to the company based on a recommendation and request from the Greenwood, IN branch
*Completed thorough assessment of loan applications to ensure credit worthiness, risk and salibility
*Loans were sold to multiple investors, each with different overlays. Ensured loans met the proper investors requirements
*Was asked by Geneva management team to stay on when my branch left CREDIT ANALYST/UNDERWRITER III
Homespire Mortgage Gaithersburg, MD January 2020 - February 2020
*Generated daily excel reports to aid Senior Management with decisions
*Completed secondary loan review
*Pulled HUD EPD and reviewed files looking for underwriting errors or a way to re-work the loan
UNDERWRITING TEAM LEAD
Amerifirst Home Loans Kalamazoo, MI September 2012 - January 2020
*Received Above and Beyond Award
*Delegated daily tasks to members optimizing productivity
*Completed one on one training and development strategies with team members
*Managed pipeline and turn times for team
Held monthly meeting for branches to ask questions
*Maintained an underwriting pipeline while performing Team Lead responsibilities
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