Mortgage Underwriter, Customer Service, decision- making, analytical
Resume:
DANYELLE JEFFERSON
Chesapeake, VA
******************@*****.***
OBJECTIVE
Experienced lending underwriter who is career minded and very results driven. A professional with unwavering commitment to helping people through support and lending solutions. Exceptional research and analytical skills. Experience in identifying resolution methods and developing process improvements within the lending field, with focus on decision making and customer service satisfaction. A skilled communicator who exceeds to build strong working relationships with coworkers and clients. Substantial lending expertise supports business operations and profitability through assessment in client data and market analysis to ensure appropriate product recommendations and quality approvals. True excitement to create the WOW experience for everyone I come in contact with.
EDUCATION
Virginia Wesleyan College
Bachelor’s in Business
EXPERIENCE
CERTIFICATON/ACHIEVEMENTS
NMLS Certification
President Club
Enterprise Operations team of the year
Enterprise Service Award
Employee of the month
Regional sales team of the year
Lending Team of the year
SKILLS
Consumer Underwriting
Credit Analyst
Mortgage Underwriting
Income Tax Returns Review
Equity Loan Processing
Mortgage Closing
Funder
Financial/Asset Analysis
LPA/DU
FHA/VA Guidelines knowledge
DPA Loans
Encompass
Problem Solving
Investment
Title Binder Review
Staff Training
Supervision
Lending Platform
Team Building
Indirect Underwriting
Mortgage Processing
Research/Data Analysis
Detail Oriented
Appraisal Review
Document Preparation
Negotiation
Financial Analysis
Income Analysis
DealerTrack
Meridian Link
Interpersonal
Creativity
Problem Solving Strategies
Process Improvement
Analytical
Productivity
Condo/PUD/Investment
Blueprint
Document Preparation
Leadership
Lending Support Systems
Public Speaking
Sales Operations
Reporting
Team Management
Microsoft Excel
Encompass
Written Communication
Verbal Communication
Indirect dealer engagement
Bay Equity, LLC
Mortgage Underwriter
2020- 2022
Review Residential, Investment properties, PUDs, Condos and second homes while consistently maintaining the title of “Top 5 highest producing underwriters”
Minimum of 2-3 years of Frontline Mortgage Underwriting experience
Reviewed and verify all financial documents to assess loan meets agency guidelines including verifying income and employments as wells as applicant’s credit history
Maintained current knowledge of lender and investor requirements
Used any and all automated or manual underwriting engine reviews, analyze and underwrite files on first and second mortgages and prescribed guidelines
Expert in business tax return and appraisal review
Sphere headed Testing for Encompass Underwriting Workbook to increase production and efficiency
Completed FHA training requirement reviewing Total Scorecard to proceed with lending endorsement for DE certification
Chartway Federal Credit Union
Credit Officer III
2016-2020
Researched and implemented new ideas to increase production based on current and future forecasted market
Focused on building and cultivating dealer relationships
Negotiated contracts to meet borrowers needs while maintaining low delinquency
Project team lead for creating, implementing and training for new lending platform
Surpassed production goals increasing production revenue focusing on territory assignments and using credit analytical skills to offer counter offer and approval within policy guidelines.
Networked dealer sponsored events to build clientele
Managed high number loan reviews consistently including complex and high limits
Expert in subprime lending and LendPro
Chartway Federal Credit Union
Senior Mortgage Loan Closer
2009-2016
Team lead managing production workflow and $3 million dollars in home equity loans per month
Interpreted credit reports, income and asset verification, appraisals, flood certificates, and titles to calculate accurate LTV/DTI and clear loan conditions
Effectively identified, recommended, and/or negotiated alternative lending solutions
Drove production results while managing mortgage pipeline and managing all rewrite/ARM loans
Decrease closing costs of $27k per year by researching and negotiating vendor contract fees by ensuring continuation and enhancement of services
Completed required documentation for borrowers, reviewed loan information for accuracy, order title and appraisals, submit loans for final approval and prepare file for closing.
Surpass loan closing goals by reaching 164% and earning several awards
Scheduled closing with related parties including members, internal owners, and third party settlements agents
Funded and serviced loans including generating mortgage payoffs, disbursements, deed recording, and certificate of satisfactions
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