Mortgage Loan Processor and Mortgage Underwriter.

Beth Coppin

Littleton, ***** CO 720-***-**** *********@*****.***

Summary

Highly analytical and accomplished underwriter with extensive expertise in customer service, credit underwriting, mortgage administration, and risk mitigation. Demonstrates a strong track record in ensuring quality control and compliance management. Adept at evaluating complex financial information and delivering accurate underwriting decisions, while providing exceptional service and maintaining rigorous adherence to regulations. Proven ability to identify and address potential risks, streamline processes, and contribute to overall operational efficiency.

Skills

Attention to Detail

Analytical Thinking

Problem-Solving

Communication

Time Management

Credit Analysis

Appraisal Review

Compliance

Risk Assessment

Mortgage Software Proficiency

Experience

BRANCH MANAGER 08/2022 - 02/2023

Family First Funding - Toms River, NJ, United States

Conducted thorough investigations of self-employed borrowers across diverse ethnic and religious communities, enhancing income assessment accuracy and understanding.

Oversaw employee performance management, implemented incentive programs, and achieved all team goals by significantly increasing staff engagement.

Ensured strict compliance with evolving guidelines while consistently delivering high-quality work and maintaining adaptability.

Provided strategic leadership to a team of seven, driving them to meet and exceed set goals while achieving sales targets and high customer satisfaction ratings through effective training and loan processing procedures.

Monitored branch performance against key performance indicators, taking corrective actions as necessary, and maintained professional and friendly interactions with customers.

CONVENTIONAL UNDERWRITER 01/2020 - 06/2022

Family First Funding - Toms River, NJ

Identified and mitigated potential risks by evaluating and finalizing regional conventional retail and wholesale mortgages, ensuring adherence to company policies and state/federal regulations.

Delivered precise clarification and maintained the highest quality standards throughout the mortgage purchase process while ensuring strict loan compliance.

Managed over 60 initial reviews and performed thorough examinations of loan documents to verify borrower, property, and transaction details, in accordance with company and government standards.

Led training and mentorship initiatives for new hires, enhancing their understanding of current underwriting procedures and practices.

Participated in quality assurance reviews, providing actionable feedback and recommendations to improve underwriting practices and overall process efficiency.

UNDERWRITER 06/2019 - 08/2020

HCL - Highlands Ranch, CO

Approved or denied loans by adhering to established criteria and underwriting guidelines, ensuring compliance with company standards and regulations.

Analyzed credit, income, compliance, title documents, and appraisals to make informed underwriting decisions.

Identified potential fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.

Enhanced loan processing accuracy and efficiency, reducing errors and delays by leveraging thorough knowledge of lender procedures, policies, and state-specific documentation requirements.

Maintained comprehensive documentation of processes and reports, ensuring strict adherence to state and federal laws and regulations while minimizing compliance risks.

UNDERWRITER 07/2015 - 10/2017

Academy Mortgage - Gilbert, AZ - United States

Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.

Analyzed financial information including income, assets, liabilities and credit history of applicants.

Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.

Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.

Established maximum loan amounts according to underwriting standards and communicated decisions to customers.

UNDERWRITER 04/2010 - 06/2013

Chase Home Mortgage - Tempe, AZ - United States

Used data analytics and pricing tools to price policies and identify actionable insights for customers.

Determined level of acceptable risk by reviewing applications for coverage and loss control reports.

Utilized underwriting software to determine loan risk and make approval decisions.

Collaborated with loan originators and processors to gather necessary documentation.

Decreased value of substandard risk policy and specified endorsements.

UNDERWRITER 12/2000 - 10/2009

Wells Fargo Home Loans - Tempe, AZ

Analyzed credit reports, income, compliance, title documents, and appraisals to make informed underwriting decisions.

Examined financial statements and tax returns to assess borrowers' repayment capability.

Documented underwriting decisions thoroughly, providing evidence of compliance with relevant regulations.

Delivered exceptional customer service by promptly addressing inquiries and offering clear explanations of underwriting decisions.

Ensured accurate and compliant underwriting processes through meticulous documentation and adherence to applicable regulations.

Education and Training

Clarion University of Pennsylvania - Clarion Bachelor of Science (BS)

Business Administration & Account Computer Science, 12/1990

Certifications

Certified FHA Underwriter

Additional Information

The gaps of employment from 2009 to 2020 occurred to attend to an ailing parent.

References

Available upon request

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