Mortgage Underwriter

Sharel Cross

832-***-**** • ************@*****.***

Professional Summary

Dedicated and enthusiastic mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organization. Excellent reputation for resolving problems and improving customer satisfaction. Ready to help team achieve company goals. Skills

FHA DE

VA LAPP/ SAR

Bond/ DPA multi- state

Fraud Detection Techniques

Property Evaluation

Automated Underwriting Systems

LexisNexis Software

Creditworthiness Determination

Customer Satisfaction

Loan Product Knowledge

Industry Trends

Government Lending

Standard Operating Procedure

Work History

Senior Mortgage Underwriter, 06/2015 to 10/2022

PrimeLending – Dallas, TX

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status. Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Worked with processing team members to communicate errors and obtain missing information for current applications.

Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.

Trained junior team members in underwriting procedures and loan quality grading standards. Applied grades to each loan application based on established criteria to keep institutional risk low.

Met 2-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.

Proactively identified solutions for customers experiencing credit issues. Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.

Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines

Loan Processing Manager, 02/2014 to 05/2015

Benchmark Mortgage – Houston, TX

Created production schedules to effectively fulfill production plans and meet process goals. Mentored departmental team, boosting efficiency, success and morale among employees. Collected confidential financial information from clients to construct comprehensive financial plans.

Adhered to all applicable compliance and regulatory requirements. Successfully managed team of 10 loan processors, providing assistance and answering questions.

Improved efficiency and effectiveness of performance and management of processes across departments.

Monitored pipelines to track and log status of loans. Supervised loan personnel and motivated to maintain customer service and performance standards.

Loan Processing Manager, 03/2013 to 01/2014

Nationstar Mortgage – Houston, TX

Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.

Monitored pipelines to track and log status of loans. Explained very technical financial information to applicants in easy to understand language. Supervised loan personnel and motivated to maintain customer service and performance standards

Carried out day-to-day duties accurately and efficiently Identified issues, analyzed information and provided solutions to problems Demonstrated respect, friendliness and willingness to help wherever needed Resolved problems, improved operations and provided exceptional service Managed team of employees, overseeing hiring, training and professional growth of employees

Senior Mortgage Loan Processor, 05/2010 to 03/2013 Cornerstone Mortgage

Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.

Prepared file for final clear-to-close by branch management. Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Communicated with originator and applicant concerning progress of loan file. Handled any conditions sent from underwriting departments. Received on-going, comprehensive training on home loan products and mortgage process. Coordinated closing process with attorneys, title companies and government clerks. Loan Processing Manager/ Loan Processor, 09/2002 to 02/2009 CTX Mortgage – Houston, TX

Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.

Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.

Monitored pipelines to track and log status of loans. Explained very technical financial information to applicants in easy to understand language. Carried out day-day-day duties accurately and efficiently. Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.

Maintained energy and enthusiasm in fast-paced environment. Identified issues, analyzed information and provided solutions to problems Demonstrated respect, friendliness and willingness to help wherever needed Participated in team-building activities to enhance working relationships Resolved problems, improved operations and provided exceptional service Managed team of employees, overseeing hiring, training and professional growth of employees

Education

High School Diploma

Walla Walla High School - Walla Walla, WA

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