DANYELLE JEFFERSON

Chesapeake, VA

757-***-****

ads7ar@r.postjobfree.com

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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