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Barbara A. Werner

Loan Underwriter

adtrt9@r.postjobfree.com • 612-***-****

Shakopee, Minesota

Summary

Experienced underwriter that consistently exceeded expectations while working with automotive loans. Self-starter proven to deliver results in a high paced environment and substantial pipeline. Areas of Expertise

Underwriting

Risk Assessment

Problem Solving

Customer Services

Communication

Credit Assessment

Decision Making

Organization

Microsoft Office

Professional Experience

Wells Fargo Home Mortgage, Minneapolis, MN 2012 – Present Mortgage Loan Underwriter

Evaluate client risk through review of work history, credit reports and property appraisals for consumer loans and residential mortgages. Verify client debt-to-income ratio and other relevant information. Ensure compliance with all policies, procedures, and company guidelines.

● Acquired and successfully maintained large pipeline of over 50 active loans without significant oversight. Wells Fargo Auto Finance, Minneapolis, MN 2004 –2012 Senior Exceptions Underwriter

Approved direct and indirect auto consumer credit applications after review. Authorized policy exceptions, employee loans, irregular credit applications, and subprime loans. Guaranteed client privacy.

● Achieved rating of top three within team on a monthly basis.

● Promoted within one year of hire.

Wells Fargo Home Mortgage, Minneapolis, MN 2004 –2012 Collections

Negotiated payment plans for clients with delinquent accounts in order for them to obtain current status. Facilitated collection of delinquent loans.

● Promoted within one year of hire.

Additional Experience

Specialty Finance Manager Subprime, Rudy Luther’s Auto Group, Hopkins, MN Professional Training

Reading a Tax Return, Wells Fargo

Credit Review – Code of Ethics, Wells Fargo

Licenses & Certifications

Nationwide Mortgage Licensing System and Registry, NMLSR #183438329