Project Manager, Customer Service, Mortgage + Home EquityUnderwriter
Resume:
Andrea Lipke
Mortgage Underwriter
Colorado Springs, CO 80910
********@*****.***
www.linkedin.com/in/andrea-lipke-
334bb328b
Strategic, resourceful, results-driven mortgage professional offering expertise in identifying risks, finding ways to mitigate those risks, and helping customers succeed financially. Innovative business partner, effective communicator, and problem-solving project manager known for building and maintaining positive, productive relationships to make sound lending decisions by meticulously analyzing applicant financial, credit histories, and property evaluations. Collaborative leader and resourceful team contributor with demonstrated successes in coaching, delegating, and partnering with diverse, cross- functional teams to prioritize tasks with attention to detail and produce results while maintaining quality results. Education
Freiherr-vom-Stein Gymnasium,
Fulda, Germany
GPA Equivalent 3.8
Key Skills
Risk Assessment
Attentive to detail
Compliance Knowledge
Conforming Lending Guidelines
Nonconform. Lending Guidelines
Documentation Review
Organized
Budgeting
Reporting
Communication
Customer Service
Quality Assurance
License
Nationwide Mortgage Licensing
System (NMLS)
729322
Experience
MAY 2021 – MARCH 2023
Conforming Mortgage Underwriter III Wells Fargo Home Mortgage Analyzed customer applications for conforming purchase and refinance mortgages to determine customers’ ability and willingness to repay the requested loan requests.
• Reviewed, analyzed, and verified income documentation for salaried/hourly and self-employed clients.
• Appraised credit reports to determine past payment patterns and discover potential financial hardships or financial mismanagement.
• Analyzed documentation to protect potential fraudulent documents or transactions.
• Examined appraisal products to determine the condition of properties and if stated property values were supported.
• Assisted customers in achieving home ownership or obtaining cash-out for miscellaneous investment purposes to achieve financial goals.
• Received service excellence awards in 2013 and 2014
• Achieved numerous top producer awards.
• Attained numerous quality awards.
APRIL 2015 – MAY 2021
Home Equity Underwriter IV Wells Fargo Home Equity Reviewed and analyzed applications that were recommended for decline to determine if a potential path forward could be determined.
• Proactively identified opportunities to improve customer experience by meeting their financial needs.
• Provided guidance and coaching to underwriters to assist in analyzing files for potential restructures / exceptions when warranted.
• Restructured Loan Requests to satisfy lending guidelines while meeting customers’ needs.
• Determined loan exceptions for customers per qualifications. Professional
Development
Income Tax Analysis
Non-Conforming Lending
Annual Compliance Courses
Basic Banking Course
Principals of Banking Course
OCTOBER 2001 – APRIL 2015
Home Equity Underwriter Wells Fargo Home Equity
Analyzed customer applications for equity loan requests to determine customers’ ability and willingness to repay the requested loan requests.
• Reviewed, analyzed, and verified income documentation for salaried / hourly and self-employed customers.
• Scrutinized credit reports to determine past payment patterns and discover potential financial hardships or financial mismanagement.
• Analyzed documentation to protect potential fraudulent documents or transactions.
• Evaluated appraisal products to determine the condition of properties and if provided values were supported.
• Assisted customers in obtaining cash-out for miscellaneous investment purposes to achieve financial goals.
Additional Relevant Experience
Phone Banker Wells Fargo Home Equity
Provided a full range of banking services to individual customers through counseling to their personal financial needs.
Processed complex transactions online.
Researched complaints while maintaining sales goals and providing superior customer service.
Postgiroamt Frankfurt, Germany
Data Processor
Education
General Studies, Gymnasium Degree Freiherr-vom-Stein Gymnasium Fulda, Germany – General Studies GPA Equivalent 3.8 References
Available upon request.
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