Csr Service Representative
Resume:
Lisa Hysell
Loan Underwriter with ** years banking experience. I have been a Loan Officer/Assistant
Branch Manager, Loan Supervisor and Customer Service Representative. I have had medical office background, front office and billing experience. New Haven, WV 25265
********@*****.***
1. I have started as a Teller/CSR to Loan Officer, Loan Supervisor and Loan Underwriter/Assistant Branch Manager. I have helped to develop a Loan Underwiter Department at Farmers Bank. 2. I have a Supervisor Certificate
3. I have completed required banking courses
4. Good at time management
5. Pay attention to detail
6. Dependable
7. Willing to learn new job skills
Work Experience
Loan Underwriter
Caliber Home Loans - Coppell, TX
January 2021 to April 2022
• Review/analyze loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of:
• Loan application
• Credit profile/report(s)
• Debt and assets
• Income/Financial statements
• Loan values/loan-to-value ratios
• Appraisal reports
• Collateral and supporting documentation
• Identify/calculates loan risk of loss
• Condition files for missing/supporting documentation
• Revisit loans to review and clear conditions
• Approve, counters or denies loan file
• Escalate fraud files to Credit Manager/Risk Management Team Loan Underwriter
Farmers Bank & Savings Company - Pomeroy, OH
October 1996 to November 2020
• Loan Underwriter January 2017- November 2020
• Input loan information into LOS
• Reviews borrowers information for accuracy including: address, employment, verification of income, Credit Bureau, debt to income ratio
• TRID
• Loan Estimate and Revisions
• Appraisals: review and calculate Loan to value
• Reviews Insurance coverage
• Order Title work and review for clear title or clear title issues
• Order Title insurance
• Log process of Loan start to finish in pipeline
• Prepare Closing Disclosure and Revisions
• Reviewed Appraisal billing for approval from outside company to be paid by Finance Department
• Prepare monthly reports for Board of Directors
• Batch loan
• Escrow
• Upload loan documents into Core system
•
• Loan Department Supervisor - May 2014 - December 2016
• Oversee Department and manage workers, review daily journals, enter new loans and maintenance borrower information
• Loan Officer/Assistant Branch Manager - May 1997- May 2014 - Review Loan applications for Real Estate, Home Equity, Personal Loans, Personal Line of credit, review credit Bureau, debt to income, Loan decision, denials/counter, order Appraisals and title work, prepare Closing Disclosure and documents, experience with USDA loan process
• Teller/CSR - October 1996 - May 2014 - Process deposits, loan payments, balance drawer, vault, open and close deposit accounts, balance ATM, coin machine, fill out CTR, money orders, cashier's checks Education
Junior High School Education in General Studies
Wahama High School - Mason, WV
September 1987 to May 1989
Vocational School in Business
September 1987 to May 1988
Junior High School Education in General Studies
Point Pleasant High School - Point Pleasant, WV
September 1985 to May 1987
Skills
• Microsoft Outlook
• Microsoft Excel
• Windows
• Underwriting
• Escrow
• Loan Officer Experience
• Credit Analysis
• Fair Housing Regulations
• Banking
• Financial Analysis
• Risk Management
• Loan Origination
• Medical Office Experience
• Account Reconciliation
• Management
• English
• Customer service
Certifications and Licenses
NMLS
December 2019 to December 2020
Previously Licensed in Ohio
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