Customer Service Loan Processor
Resume:
Lisa Caudle
Phoenix, Arizona 85053
Summary of Qualifications
22+ years in the finance industry including underwriting Processing and loan set-up. I reviewed all types of bank loans with exceptional customer service skills.
Experiences:
JP Morgan Chase Home Lending 06/2017 to 06/2022
Underwriter IV
Review files for loan product eligibility and conformity as stated within Bank/Investor policies while making sound credit decisions.
Analyze all types of business financial statements and personal tax returns, preform ratio analysis and complete risk assessment.
Verify assets to determine conformity as stated within Bank policy.
Underwrite appraisals in accordance with Federal laws and Bank policy.
Review title reports to confirm clear title.
Complete understanding of all Federal and State regulations and Bank Policies.
Work closely with loan officers and managers, defending difficult decisions and negotiating counteroffers or exceptions.
Ability to review Down Payment Assistance programs within the investor’s guidelines.
Superior credit/lending knowledge, analytical abilities, and problem-solving skills.
Ability to communicate verbally and written
Ability to work in a team environment
Self-motivated
Able to work in a fast-paced environment
Lending Authority Limit: $2,999,999.99
Average Pipeline 75-100 loans
Homeowners Financial Group, LLC 06/2016 to 06/2017
DE/Jumbo/Conforming Underwriter
Review files for loan product eligibility and conformity as stated within Bank/Investor policies while making sound credit decisions.
Analyze all types of business financial statements and personal tax returns, preform ratio analysis and complete risk assessment.
Verify assets to determine conformity as stated within Bank policy.
Underwrite appraisals in accordance with Federal laws and Bank policy.
Review title reports to confirm clear title.
Complete understanding of all Federal and State regulations and Bank Policies.
Work closely with loan officers and managers, defending difficult decisions and negotiating counteroffers or exceptions.
Ability to review Down Payment Assistance programs within the investor’s guidelines.
Superior credit/lending knowledge, analytical abilities, and problem-solving skills.
Ability to communicate verbally and written
Ability to work in a team environment
Self-motivated
Lending Authority Limit: $3,000,000.00
Average Pipeline 50-75 loans
Caliber Home Loans, Inc
DE/Jumbo/Conforming Underwriter 11/2015 to 05/2016
Review files for loan product eligibility and conformity as stated within Bank/Investor policies while making sound credit decisions.
Analyze all types of business financial statements and personal tax returns, preform ratio analysis and complete risk assessment.
Verify assets to determine conformity as stated within Bank policy.
Underwrite appraisals in accordance with Federal laws and Bank policy.
Review title reports to confirm clear title.
Complete understanding of all Federal and State regulations and Bank Policies.
Work closely with loan officers and managers, defending difficult decisions and negotiating counteroffers or exceptions.
Ability to review Down Payment Assistance programs within the investor’s guidelines.
Superior credit/lending knowledge, analytical abilities, and problem-solving skills.
Ability to communicate verbally and written
Ability to work in a team environment
Self-motivated
Lending Authority limit $2,000,000.00
Average pipeline 50-75 loans
Cobalt Mortgage
DE/Jumbo/Conforming Underwriter 05/2014 to 11/2015
Review files for loan product eligibility and conformity as stated within Bank/Investor policies while making sound credit decisions.
Analyze all types of business financial statements and personal tax returns, preform ratio analysis and complete risk assessment.
Verify assets to determine conformity as stated within Bank policy.
Underwrite appraisals in accordance with Federal laws and Bank policy.
Review title reports to confirm clear title.
Complete understanding of all Federal and State regulations and Bank Policies.
Work closely with loan officers and managers, defending difficult decisions and negotiating counteroffers or exceptions.
Ability to review Down Payment Assistance programs within the investor’s guidelines.
Superior credit/lending knowledge, analytical abilities, and problem-solving skills.
Ability to communicate verbally and written
Ability to work in a team environment
Self-motivated
Lending Authority limit $2,000,000.00
Average pipeline 50-75 loans
Bank of America
04/2010 to 03/23/2014
Corporate/DE Underwriter
Review files for loan product eligibility and conformity as stated within Bank/Investor policies while making sound credit decisions.
Analyze all types of business financial statements and personal tax returns, preform ratio analysis and complete risk assessment.
Verify assets to determine conformity as stated within Bank policy.
Underwrite appraisals in accordance with Federal laws and Bank policy.
Review title reports to confirm clear title.
Complete understanding of all Federal and State regulations and Bank Policies.
Work closely with loan officers and managers, defending difficult decisions and negotiating counteroffers or exceptions.
Ability to review Down Payment Assistance programs within the investor’s guidelines.
Superior credit/lending knowledge, analytical abilities, and problem-solving skills.
Ability to communicate verbally and written
Ability to work in a team environment
Self-motivated
Lending Authority Limit. $5,000,000.00 Total Aggregate $7,500,000.00
Average pipeline 75-150 loans
Bank of America/Countrywide 02/08 to 04/2010
HSS II/Loan processor
Review individual files for loan product eligibility as stated within Bank policies.
Analyze income and collateral in accordance with Bank policy.
Prepared loans for a full underwriting submission.
Review title reports to confirm clear title.
Complete understanding of all Federal and State regulations and Bank Policies.
Worked closely with underwriters, loan officers, managers, title officers, appraisers, and customers.
Accomplishments:
DE training completed with the accomplishment of receiving a Chums number 03/2014
VA credit training completed 06/22/2014
Other Qualifications
Proficient in Word, excel
Exceptional customer service
References available upon request
Contact this candidate