Mortgage Underwriter Service Agent

Sean Silletto

**** * ***** ****** **., Ridgefield, WA 98642 949-***-****

********@*****.*** https://www.linkedin.com/in/sean-silletto-90641a13/

Insurance Agent

Detail-oriented and analytical insurance professional with a focus on working collaboratively and efficiently with peers, supervisors, and team as a whole. Leverages excellent communication skills to target company goals and minimize agency risk. In-depth expertise in insurance industry and specialized experience in customer service and sales.

AREAS OF EXPERTISE

Credit Insurance Customer Service Underwriting Mortgage Loans Risk Analysis Communication Teamwork

Real Estate Loan Review Refinance Income Verification Audits Sales Banking Financial Services

EXPERIENCE

AAA Washington January 2023 – Present

Licensed Customer Service Agent

In a call center environment, taking in-bound phone calls, and making out-bound phone calls, to customer inquiries relating to existing Auto and Home Insurance Policies.

Resolve billing issues and concerns by reviewing account information within AAA Systems, and/or Insurance Carrier Systems.

Documenting phone calls and transactions in AAA Systems.

Referring certain issues as needed to Insurance Agent, or Insurance Carriers.

Maintain Insurance License and education requirements as needed.

Keep current with different Insurance Carriers products and guidelines.

Wells Fargo January 2020 –September 2022

Mortgage Underwriter 1

Review Mortgage Loan Applications for Refinance and Purchase transactions for Initial Risk Review, Reconsideration Review, and Final Risk Review. Calculate Qualifying Income based on income documentation provided as required by decision engine and guidelines for credit risk classifications.

Ensure employment history meets requirements, compare income calculation to current year to date income for trending analysis for property qualifying calculation.

Review Credit Report for accuracy and red flags to ensure credit history meets requirements. Review asset documentation, including Large Deposits to ensure funds are properly sourced per guidelines, or Payments to indicate undisclosed debts.

Review Title Reports for any clouds on title report or undisclosed liens and ensure proper title vesting.

Review Appraisals for accuracy and completeness. Review Hazard Insurance, flood insurance, master policy for condo insurance, HO6. Look for Homeowner’s Association Dues and verify as needed.

Review signed disclosures needed for initial and final approvals to ensure accuracy and completeness. Create additional required stipulations as needed for letters of explanation for addresses and inquiries as found on credit report.

Communicate with processors, loan officers, and closers as needed to ensure efficiency for achieving high quality customer experience.

Wells Fargo October 2016 – January 2020

Mortgage Loan Closer 3

Reviewed Mortgage Files to ensure completeness and accuracy. Balanced closing fees with settlement agents and prepared Borrower Closing Disclosures for borrowers. Draw Final Loan Documents, Reviewed Signed Documents, and Funded Loan.

VW Credit May 2016 – October 2016

Auditor

Reviewed Automobile Purchase and Lease Contracts. Audited file to ensure accuracy and compliance. Funded deals that are within compliance.

Paramount Equity Mortgage October 2015 – May 2016

Sr. Mortgage Specialist

Originated mortgage loans by external and internal sources. Networked with RE Agents, CPAs and Attorneys for referral business.

Sean Silletto ********@*****.*** 949-***-****

Bank of the West June 2015 – October 2015

Mortgage Banker

Originated mortgage loans by external and internal sources. Networked with RE Agents, CPAs and Attorneys for referral business.

Bank of America January 2011 – May 2015

Mortgage Loan Officer

Worked in a call center environment responsible for meeting daily call targets and closing refinance and purchase mortgage loans. VA, FHA, MHA/HARP, Conforming and Non-Conforming Loan Products. 2nd Mortgage HELOANS and HELOCS. Proficient in I-Originate Loan Origination Software and Statusmart.

OTHER RELEVANT EXPERIENCE

Verizon Wireless – Customer Service Representative

Wells Fargo/Wachovia - Mortgage Consultant

Equity Nation, Inc. – Branch Manager, Team Leader, Loan Officer

EDUCATION AND CERTIFICATES

Bachelor of Fine Arts (BFA)

California State University Fullerton, Fullerton, CA

Certificate, Graphic Design

Saddleback Community College, Mission Viejo, CA

California Real Estate Salesperson's License

California Mortgage Broker License 01345165 NMLS License 358931

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