Mortgage Underwriter
Resume:
Krista Hampton
El Mirage, AZ 85335
***************@*****.***
Summary
Engaged, dedicated professional, equipped with over twelve years of experience in office management, customer service and consumer finance, with an emphasis on residential mortgage underwriting and compliance, seeking a challenging position that rewards hard work and dedication. Being results driven, with highly analytical problem solving skills, joining a team that places value on doing the right thing, the right way, every time, would be the ideal career path to follow.
Experience
02/2018-Current Guild Mortgage Company
Post Closing Underwriter
•Review loan approval conditions to ensure all conditions were met with proper documentation and due diligence standards, esp with FHA/VA.
•Re-review the full underwrite of a loan, where required, to clear any Post Closing deficiencies.
•Make required corrections to deficient documents needed for endorsement issuance with FHA or VA.
•Reports findings and exceptions to management, maintains trending analysis of errors and root causes; assists in implementing corrective actions, follow through to ensure remediation of loan issues.
•Maintains established production and quality scoring.
•Consistently worked to improve system/process methods to increase efficiency, and reduce Post Closing deficiencies.
•Act as a resource in regards to underwriting guidance, facilitate any training needed for front-line underwriters.
11/2012-03/2017 Dr. Michael Clarke, DDS Front Office Manager/Treatment Coordinator
•Managed Doctor and Hygienist schedule to maximize efficiency and productivity.
•Created and presented treatment plans while coordinating with insurance benefits to make treatments affordable for every patient.
•A/R and A/P, handled all aspects of insurance, and facilities management.
•Managed Human Resources tasks, created and maintained office policy and procedural manual.
•Responsible for practice marketing and online media.
•Coordinated continuing education for Doctor and staff.
•Ensured patient experience was the very best, and that every patient felt comfortable and happy with their experience.
01/2009-02/2012 Northside Clinic, Office Manager
•Managed staff for multi-specialty clinic, payroll and benefits.
•Responsible for insurance coordination, referrals, prior authorization, A/P and A/R.
•Ensured customer service was top notch.
•Ensured clinic remained in compliance with all state and federal regulations, maintained licensing credentials for providers and facility.
06/2001-12/2008 Wells Fargo Home Equity, Underwriter
•Assured home equity loans and lines of credit met all compliance requirements, and that the highest ethical standards were adhered to every single time.
•Stipulated what documents were required to fully comply with company underwriting guidelines.
•Income review, VOE, debt to income verification, ensured appraisal and loan to value ratio were correct and within guidelines,ensured title was clear with no pending issues, reviewed divorce decrees and deeds.
•Ensured loan was priced accurately.
•Reviewed credit report, stipulated and verified required payoffs.
•Communicated with processing and closing teams to ensure an accurate, seamless process for customer.
•Worked to mitigate risk to lender and ensured that the highest compliance standards in the industry were adhered to, preformed final deal review. Education
Currently attending Glendale Community College, majoring in Business Marketing
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