Denice Weissenberger Deer Park, NY ***** • 631-***-****

adufgx@r.postjobfree.com

Underwriter

Offering expertise in underwriting, determining eligibility, reducing risks, and supporting client success.

Detail-oriented and meticulous underwriting professional with expertise in risk assessment, market segmentation, pricing, and sound recommendations based on applicant eligibility. Possess articulate and engaging communication and interpersonal skills to build a positive relationship with clients, agents, and brokers. Dedicated to driving sales while providing alternative solutions when programs are not compatible. Skilled in delivering well-thought-out strategies that optimize efficiency, reduce costs, and accelerate results.

CORE COMPETENCIES

• Underwriting Processes

• Risk Assessments

• Informed Recommendations

• Policy / Procedural Compliance

• Eligibility / Application Reviews

• Strategic / Actionable Planning

• Pricing / Quotes

• Complex Issue Resolution

• Scalable Business Solutions

• Cross-Functional Collaboration

• Client Success / Retention

• Self-Motivation / Efficiency

PROFESSIONAL EXPERIENCE

RELIANCE FIRST CAPITAL, LLC., Melville, NY 08/2019 - 08/2022

DE Mortgage Underwriter

Served as a driving force behind notable results by managing fluid pipelines, performing underwriting processes for FHA and conventional loans, and ensuring all guidelines were adhered to. Facilitated the transition to remote practices during the COVID-19 shutdowns while minimizing interruption to operations. Cultivated a positive environment to collaborate with loan originators and processors on explaining loan commitments and documentation to clients.

- Employed the use of solutions-based problem-solving skills to overcome challenges effectively.

- Promoted continuous improvements by assessing gaps, performing analysis, and enhancing documentation.

- Demonstrated in-depth knowledge of personal and business finance, cash flow management, and AGIs to conduct accurate self-employed income analysis and complete corporate tax returns.

NATIONWIDE MORTGAGE BANKERS, INC., Melville, NY 10/2018 – 04/2019

DE Mortgage Underwriter

Streamlined communication across processors, loan originators, closers, and management teams regarding policy updates, procedural changes, and determinations on credit lines. Implemented innovative improvements by researching current practices, interpreting findings, and delivering effective strategies. Secured a competitive edge by remaining updated on emerging finance, underwriting, and banking industry trends.

· Mitigated errors and maintained pristine documentation utilizing a strong attention to detail.

- Encouraged ongoing company success by remaining compliant with state, federal, and institutional guidelines.

- Maximized productivity and remained dedicated to producing top-quality deliverables.

- Thrived in a fast-paced environment and excelled within deadlines due to well-developed multi-tasking skills.

WHITMAN MORTGAGE, Melville, NY 05/2016 - 10/2018

DE Mortgage Underwriter

Integrated a working knowledge in all requirements and eligibility standards while reviewing applications and performing underwriting processes. Ensured that all daily operations reflected the company’s dedication to optimal business value and prioritized investor standards. Subject Matter Expert on loan conditions and lender requirements.

- Deployed sharp analytical skills to evaluate and interpret all data, which assisted in determining loan viability.

- Minimized risks and potential fraud while executing full-scale analysis of records and documentation.

- Generated projections and forecasts following review of financial statements and tax returns.

FEDERATED PAYMENTS, Melville, NY 03/2014 - 05/2016

Administrator

Employed meticulous analytical skills and a working knowledge of policies to successfully review incoming sales rep agreements and contractor identification compliance. Verified completeness of contracts prior to sending paperwork to the data entry team. Positioned as a reliable source of insight and support for sales reps as they reviewed and interpreted underwriting requirements and prepared paperwork. Liaised with the leasing company and merchants on lease agreements to ensure agreeable terms. Processed accurate daily payroll for US sales representatives.

- Directed an active pipeline of US and Canadian contracts, distributing orders to the appropriate departments.

- Successfully fulfilled a high volume of incoming requests to minimize processing wait times.

- Performed compliance assessments for gift and loyalty cards, check acceptance, and cash advances

ADDITIONAL EXPERIENCE

Loan Processor Intercontinental Capital Group, Melville, NY (08/2012 -08/2013)

Loan Processor Whitman Mortgage, Melville, NY (08/2009 -08/2012) Mortgage Consultant Franklin First Financial, Ltd., Hauppauge, NY (10/2006 -07/2009)

Loan Processor Homebridge Mortgage Bankers, Inc., Syosset, NY (05/2001 – 10/2006) EDUCATION

Coursework, Business Administration, Dowling College, Oakdale, NY Coursework, Business Administration, Farmingdale State College, Farmingdale, NY

PROFESSIONAL TRAINING

Fair Lending

Compliance Overview

Anti-Money Laundering

Rules of the Bank Secrecy Act Fraud Prevention

Privacy in Mortgage Lending Cyber & Information Security Acceptable Use Policy and Awareness

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