Mortgage Underwriter Customer Service
Resume:
Tanilla S. Ponder
Mortgage Underwriter
Contact
Locust Grove, GA 30248
***********@*******.***
Bold Pro Profile
Objective
Resolute Mortgage Underwriter with a decade of experience in efficiently evaluating creditworthiness and risk analysis. Proficient in applying in-depth knowledge of industry guidelines, regulations, and loan programs to ensure accurate and timely loan decisions. Demonstrated ability to work in high-pressure environments while maintaining attention to detail and excellent communication skills. Committed to providing exceptional customer service and fostering strong relationships with sales, processing, and external department heads.
Education
Mercer University
Bachelor of Business Administration
Relevant Coursework:
Financial Accounting, Managerial
Economics, Financial
Management, Corporate Finance,
Investment Analysis, International
Finance, Econometrics, Monetary
Theory, and Leadership
Howard University
Bachelor of Arts, Political Science
Key Skills
Risk Assessment
Financial Analysis
Appraisal review
Loan compliance
Credit evaluation
Fraud detection
DU/LP
Manual underwrites
Encompass LOS
Certifications
Direct Endorsement (DE)
Experience
MARCH 2016-JULY 2022
Mortgage Underwriter Truist
Successfully underwrote and approved over 350+ mortgage loan applications annually, totaling over $225 million in loans, contributing to a 20% increase in the bank’s mortgage portfolio
Streamlined the underwriting process by implementing an automated system for document tracking and risk assessment, reducing the average loan approval time by 30% and increasing overall team efficiency
Identified and mitigated potential risks in the loan portfolio by conducting thorough credit analysis and collateral evaluations, resulting in a 15% decrease in default rates and a 10% improvement in loan quality
Collaborated with the sales team to develop and implement new mortgage products tailored to the Southeast market, leading to a 25% increase in loan applications and a 5% increase in market share for Truist
Responded to audit and post-closing issues within a timely manner JULY 2013-MARCH 2016
Mortgage Underwriter Highland Mortgage Group, LLC
Successfully underwrote and approved over 200+ mortgage loan applications annually, totaling over $75 million in loan value, in the fiscal year 2015, which contributed to a 10% increase in the lender’s mortgage portfolio
Streamlined the underwriting process by implementing an automated system resulting in a15% reduction in time spent on each application and a 20% in overall productivity for the team
Played a key role in maintaining a low delinquency rate of less than 1% for the mortgage portfolio by consistently applying prudent lending guidelines and risk assessment practices, ensuring the financial stability of the lender
AUGUST 2010-JULY 2013
Mortgage Underwriter Amerisave Mortgage Corporation
Reviewed and analyzed key loan documents such as income, assets, credit, collateral, contracts, titles, etc.
Made underwriting decisions considering factors like income, assets, credit, collateral, title, and overall risk.
Underwrote insured mortgage loans/products.
Assessed interest rates and rate locks
Addressed and implemented required conditions
Communicated loan conditions and decisions to processors/sales team.
Consistently met and maintained company SLA requirements and metrics
Leadership
Successfully mentored new onboarding entrants of Truist and monitored activities and files of new underwriters to ensure sound underwriting practices
Contact this candidate