Service Representative Loan Underwriter

Helen P. Braswell

*** **** ****** ******'s Mills, NC 27593 919-***-**** adxtya@r.postjobfree.com PROFILE

Self-motivated credit professional with 14 years underwriting experience with a senior delegation of authority for Bank & Private for Wells Fargo Home Preservation. 7 years of being Team Lead when Team Manager was out of office attending events, vacations, etc. Worked back office for events, pulling credit reports, appraisals and assisted team members with underwriting of mortgages. I have 5+ years of purchasing experience working with Excel Linde and Channel Master. I have 7 years of estimating for Modus Media/Stream International.

PROFESSIONAL SKILLS

● Credit Risk Analysis

● Financial Analysis and Review

● Negotiation and Conflict Resolution

● Loss Mitigation Default Resolution

● Microsoft Office

PROFESSIONAL EXPERIENCE

Consumer Loan Underwriter III, Wells Fargo & Co., Raleigh, NC 2009-2016

● Act as senior team member helping subordinates with analysis of complex files and approving exceptions as needed.

● Ran daily reports for team members.

● Evaluate risk and analyze account information including financial statements, credit reports, debt ratios and total relationship.

● Review, negotiate and structure a portfolio of complex delinquent/problem loans with a high level of reputational risk which requires special handling and analysis.

● Underwrite files within OCC and CFPB guidelines.

● Represented Wells Fargo throughout employment.

● Track record of consistently meeting goals and delivering an above average expectation.

● Reviewing difficult P&L statements, multiple rental properties, bank statements and corporate tax returns.

● Reviewed financial statements, credit reports and applicable ratios; debt and loan to value, evaluating and examining transactions to ensure accuracy and completeness.

● Acted as team captain in handling deal review, initial submission standards conference calls, escalated files, pulled daily reports and submitted to team members based on level of authority.

● Represented the Consumer Lending Group as a fulfillment professional by reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines.

● Act as senior level subject matter expert for specialty groups in client conversion projects giving input on business requirement definitions.

Citifinancial Auto

1109 Green Road, Raleigh, NC

2001-2008

● Collections for consumers that were in default on their automobile loans.

● Top producer for a $2 Million office in loan processing, which includes requests for all documents needed from potential buyers.

● Underwrite loans for automobile loans.

● Partnered with manager to ensure loan packages were worked in a timely manner and based on customers willingness to pay provider manager with repossession requests.

● Interview clients to get a thorough picture of their financial situation.

● Skip Traced customers to locate vehicles for repossessions. EDUCATION

● Real Estate Sales 1984

● Wake Community College, Raleigh, NC

● High School Diploma 1980

● Smithfield-Selma Senior High School, Smithfield, NC

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