Monica H. Cornejo

**** *. **** ***, ****** City, MI 48135 734-***-**** Email: ads6ln@r.postjobfree.com

EXECUTIVE SUMMARY

Experienced Underwriting Team Leader, Senior Underwriter, and Underwriting Trainer providing superior customer service to all clients for over seventeen years. Top rated Senior Underwriter, working on most complicated Conventional and FHA DU and LPA loans while continually exceeding corporate production and loan quality standards. Responsible for developing best practices in the underwriting department to develop a more efficient and productive team while lowering overall company defect rate.

AREAS OF EXPERTISE

Senior Underwriter in a high production environment

Leadership excellence certifications

Superior game changing client service both internal and external clients

Creating and implementing new procedures

Leader devoted to developing career opportunities

Experienced in both Retail and Wholesale Underwriting

Conventional/FHA Underwriter (DU/LPA) with complex loan reviews of purchase and refinance transactions

Corporate Trainer for new hires and internal promotions

PROFESSIONAL EXPERIENCE

LOANDEPOT.COM LLC (REMOTE) June 2019 - Present

SENIOR UNDERWRITER III – DE/CHUMS CERTIFIED

Meeting daily goals of analyzing influx of loan submissions for Conventional and FHA loans.

Main Focus:

Comprehensive risk assessment of loan documentation which includes credit, income, assets, collateral, purchase contracts, title and other required items depending on loan situation and providing a decision accordingly.

Constant access to agency, product guidelines and internal guidelines to ensure proper requirements and documentation have been met with quality standards.

Established strong communication with internal and external clients that included Account Managers, Account Executives, Closing, Regional and Divisional Managers and outside Brokers.

Maintained a high level of productivity and quality of loan underwrites to maximize company profitability.

Provided support and guidance of information and system navigation to internal team members and outside clients.

AMERICAN FINANCIAL NETWORK/ORION LENDING (REMOTE) May 2016 – June 2018

SENIOR UNDERWRITER

Managed a queue of loans streaming in daily to provide loan decisions efficiently, quickly and with superior client service.

Main Focus:

Underwrote and reviewed loans daily

Maintained significant pipeline while providing direct contact with internal clients and brokers/processors.

Direct access to all necessary guidelines to make decisions on loans in a timely fashion.

UNITED WHOLESALE MORTGAGE January 2013-May 2016

UNDERWRITER II

SENIOR UNDERWRITER

TEAM LEADER

UNDERWRITING TRAINER

Trained and managed a team of Senior and Junior Underwriters creating best practices for efficiency, quality, and superior client service. Fully engaged in the creation of material and proctoring of new hire and promotion training classes.

Main Focus:

Responsible for analyzing 11-15 new files per day as a Junior Underwriter and 5-7 new files per day as a Senior Underwriter.

Maintained significant pipeline and providing direct contact with clients and brokers.

Lead a team of 8-10 underwriters while assisting with complicated loan scenarios and encouraging great quality and high production levels.

Completed Leadership Excellence class focusing on best practices for being a successful leader.

Responsible for developing critical training material and proctoring classes for new underwriters and internal promotions.

Training team and Trainers won a Top 125 Training Company award by Training Magazine.

JP MORGAN CHASE November 2011 – January 2013

UNDERWRITING PROCESSOR

QUALITY ANALYST

Directly worked with clients and loan officers to navigate through the loan process quickly and assist in closing loans within a timely manner. Determined areas of improvement within underwriting process to develop more consistent and quality practices.

Main Focus:

Maintained large loan pipeline in a high paced environment.

Delivered quality customer service to all clients.

Collaborated with external vendors to facilitate proper loan documentation for closing purposes.

Analyzed weaker areas within the company regarding quality and process and implemented strategies to increase efficiency and proficiency.

CONTEMPO SALON & SPA (Ann Arbor, MI) June 2008 – August 2011

MANAGER

Maintained consistency through high paced establishment while creating structure among Welcome Associates.

Main Focus:

Implemented new software to enable easy scheduling and determine client retention.

Created high levels of client service as well as communicated clearly and professionally with all patrons.

Responsible for managing and protecting all establishment assets.

QUICKEN LOANS March 2003 – May 2008

LOAN PROCESSOR

UNDERWRITING TRAINER

Underwrote and applied necessary conditions to mortgage applications to ensure loan meets program/product specifications. Communicated decisions to borrowers in a timely manner. Implemented training guides to external new hire individuals to become successful in the underwriting position.

Main Focus:

Ensured loan requests met program and product specifications and countered-offered to different product and/or program when appropriate.

Responsible for productivity targets, ensured quality and high customer satisfaction.

Examined factors to ensure the proper guidelines were taken to alleviate risks.

Created specific training courses for incoming employees and underwrote and evaluated loans for quality assurance.

Remained current and knowledgeable on all mortgage policies and procedures within the industry and Quicken Loans.

NORTHWESTERN MUTUAL May 2001-March 2003

FINANCIAL REPRESENTATIVE

Determined financial planning by creating security and stability for individuals and businesses while forming relationships with clients.

Main Focus:

Created analysis reports to determine an individual’s retirement or financial planning needs.

Met with individuals and businesses to customize a plan specific to their goals and wants for financial security.

EDUCATION

EASTERN MICHIGAN UNIVERSITY YPSILANTI, MI Marketing major/Communication

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