DAWN M. NEAL

adumhc@r.postjobfree.com

**** ********* **., *******, ** 33596

727-***-****

UNDERWRITER/SUPERVISOR

Senior Underwriter • Supervisor • Extensive knowledge of Condo/Co-op Project Underwriting • Extensive knowledge of Credit Underwriting • High Level of Adaptability & Flexibility to New Environments • Excellent Communication Skills • Staff Management and Development • Credit Risk Assessment • Data Analysis • Problem Solving • Audit/Quality Assurance • Continuance of Low Error Rates • Promoted Early

WORK EXPERIENCE

JPMorgan Chase, Tampa, FL 2009-2022

Project Approval Group Supervisor / Underwriter April 2016 – August 2022

●Managed team of 10 underwriters

●Performed weekly one on one meetings

●Underwriters had different levels of underwriting authority ranging from New Construction,

Co-op, Condo and Attached PUD

●In depth knowledge of Fannie Mae and Freddie Mac lending guidelines

●Audited completed reviews to Fannie Mae, Freddie Mac and portfolio guidelines

●Achieved less than a .01% error rate

●Load balanced queues

●Helped developed each underwriters growth potential

●Provided honest performance evaluations at both mid-year and year end

●Previous to Supervisor, performed in-depth analysis of condo, co-op and attached PUD projects to ensure meet all guidelines

●Review analysis included but not limited to audited financials, 1120 Corporate Income Tax Returns, budgets, commercial insurance and legal documentation

JPMorgan Chase, Tampa, FL August 2009 – April 2016

Senior Credit Underwriter

●Review and analyze financials including but not limited to 1120 Corporate Returns, 1040 Personal Returns, calculation of income based on documentation provided

●Property evaluation with detailed review of appraisal

●Evaluation of credit and determination of credit worthiness

●Requiring additional documentation if needed

●Clearing all prior to close conditions

●Delivering to closing prior to scheduled closing date

Washington Mutual Bank, a division of JP Morgan Chase Oct 2004 – Dec 2008

AVP/Compliance Officer

●Managed activities of research and review of federal and state regulations such as AML/BSA, RESPA, Reg B and Reg Z

●Supported implementation of new mortgage loan system in relation to compliance with Federal Regulations

●Managed and conducted daily testing and validation of system requirements

●Created relative test scripts based on functional specifications

Chase Home Mortgage, Tampa, FL May 2003 – Oct 2004

AVP/Regional Closing Center Manager

●Managed day to day operations of closing center, directing flow of closing for three high producing retail branch offices

●Pipeline management on daily basis – working with Operations Manager to ensure pipeline moved quickly through the process

●Maintained closing calendar which included all scheduled closing, assigning of files

●Implementation of policies and procedures to staff as required

●Identified and implemented training opportunities where appropriate

EDUCATION

St. Leo College, St. Leo FL 1985

BA in Business Management

●Graduated Magna Cum Laude

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