Mortgage Underwriter

Lisa Erwin

Huntsville, AL ***- ***-**** **********@*****.***

SUMMARY

Highly experienced and customer centric Mortgage Underwriter and Senior Loan Processor with a track record of consistently exceeding company goals and client expectations in the execution of loan processing within the banking industry. Demonstrate over 25 years of lending experience and in-depth knowledge of conventional and government loan programs including SBA, FHA, Credit/SAR, and Bond delegations. Skilled in the dynamics of the mortgage underwriting process and closing procedures. Experienced advisor with current knowledge of loan products, government lending regulations, and industry best practices and standards, consistently delivering a positive customer experience. Analytical problem-solver and excellent communicator adept at building trust-based relationships with focus on listening to priorities and fulfilling requirements. Flexible and adaptable professional delivering meaningful results that keenly drive profitability and growth.

SKILLS

Underwriting Process Loan Reviews Team Training & Mentorship Compliance/Regulatory Requirements Loan Application Analysis Business Growth Loan Products Risk Assessment Verbal & Written Communication Cross-Functional Collaboration Skills Financial Evaluation Strong Decision-Making Analytical Problem-Solving Relationship Management Trends Analysis WORK EXPERIENCE

Underwriter, First Bank Aug 2020 – Sept 2022

Customer-focused mortgage underwriting professional demonstrating accuracy, timeliness, and strong decision-making in execution of the underwriting process for all aspects of home mortgage loan origination, processing, and closings, consistently meeting objectives and deadlines. Reviewed and analyzed loan applications and loan documentation including financial statements, income statements, balance sheets, and credit reports, and made credit risk decisions based on financial results.

● Cultivated trust-based customer relationships to understand needs, budget, and priorities, efficiently delivering an equitable solution, and communicating reasonable expectations regarding level of service.

● Drove excellent communication and collaboration with team, customers, loan officers, and title companies in a fast- paced industry remaining flexible throughout workflow and process changes.

● Impacted company growth through effective management of the underwriting process and successfully closing a heavy pipeline of residential mortgage loans within established timelines, ensuring accurate capture and recording of data, and adherence to government regulations.

● Presented alternate options if appropriate to successfully complete a loan application package and establish credit worthiness, skillfully requesting additional information commensurate to risk.

● Reduced opportunity for fraud through investigation, assessing risk, utilizing fraud detection tools, compliance reviews, and recommendations of best practice mitigation strategies.

● Demonstrated accountability and analytical problem-solving skills to analyze information regarding loan and appraisal documentation, underwriting procedures, credit, income, disclosures, and closing package, ensuring compliance with Federal regulations and adherence to investor guidelines.

● Maximized team effectiveness through delivery of training programs on specific loan programs, including conventional, government, bond, and USDA.

Lisa Erwin 256-***-**** **********@*****.***

Senior Loan Processor, Supreme Lending Apr 2013 – Aug 2020 Demonstrated organizational and business development skills in management of a large complex pipeline of loan accounts, implementing advanced solutions to consistently ensure regulatory compliance and risk management across the loan portfolio. Utilized best practice tools and technology to simplify the loan documentation process and meet deadlines. Reviewed title work, prepared and submitted closing documents and coordinated closings, ensuring marketability and compliance with all state and federal lending policies. Consistently communicated with borrowers and loan officers on status of loan, ensuring transparency. Monitored loan portfolio data through utilization of spreadsheets.

Drove best practices to ensure identification and mitigation of risk, implementing advanced analytics capabilities and compliance knowledge to ensure appropriate controls and processes, consistently achieving positive results.

● Optimized communication and rapport-building skills in client engagement, consistently exhibiting professional demeanor to assist with the application process, generating high rates of customer satisfaction.

● Delivered trainings to loan officers on various loan programs, borrower qualification, and alternative financing options, and to processors on specialty programs including bond program, DPA, and government.

● Demonstrated problem resolution strategies when requested to liaise between difficult borrowers and loan officers, recommending alternative solutions to achieve excellent customer service. Senior Loan Processor/Underwriter, Countrywide/WR Starkey Oct 2007 – July 2013 Delivered advanced solutions in management of the underwriting process and loan processing, expertly interviewing loan applicants, gathering and reviewing financial statements and budgets to determine program eligibility. Analyzed all pertinent account information and determined need for follow-up to gain additional information to obtain approval status. Advised customer on loan application process offering functional guidance on availability of various loan products. Drove business profitability through participation in marketing efforts.

Championed customer-centric approach in loan servicing process to consistently communicate all phases and expertly propose alternative options to determine the best course of action in the decision-making process.

Facilitated credit training and mentoring on various loan programs to team, serving as loan processing and underwriting specialist.

CERTIFICATIONS & TRAINING

DE Certified

Bond Classes

VA Seminars, MBA Escrow Course

Appraisal Courses

SOFTWARE PROFICIENCIES

Microsoft Office

AUS

Encompass

LP

FHA Software

GUS

VOLUNTEERING

Essential Church – Community Work

Angels Among Us, Humane Society

Mentor of Underprivileged Children

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