DAVIDA H. JOHNSON

**** ******** ****** *****: 267-***-****

Philadelphia, PA 19142 Email: adxztu@r.postjobfree.com

OBJECTIVE

To obtain a position in the financial sector as a Mortgage Underwriter, where my abilities and skills can be utilized towards the growth and development of a mortgage company/organization.

SUMMARY OF QUALIFICATIONS

Proficient in mortgage loan operations and knowledgeable of underwriting guidelines, policies, and procedures; Strong verbal and written communication skills; Ability to develop and implement competitive loan services and programs; Detail-oriented and highly capable of multi-tasking; Problem solving and analytical skills; Flexible and open to change; Ability to work under pressure; works well both independently and in group settings.

PROFESSIONAL EXPERIENCE

January 2022 – Present

STS Substitutes Services, Philadelphia, PA

Accounting Payroll Specialist

• Checking timesheets for accuracy

• Entering data into databases and spreadsheets

• Handling direct deposit requests

• Tracking (PTO) Paid Time Off

• Calculating overtime, deductions, etc. and ensuring accuracy

• Keeping track of hourly rates, wages, compensation benefit rates, new hire information, etc.

• Responsible for maintaining payroll and processing paychecks timely and accurately according to schedule

• Adjusting pay for raises, increases, etc.

September 2020 – January 2022

Berkshire Hathaway-Trident, Devon, PA

Jr. Mortgage Underwriter

• Reviews and verifies loan applications and supporting documentation

• Analyzes loan risk and requests additional information as necessary

• Prepares reports on assessment findings and reviews and specifies loan conditions as necessary

• Makes loan eligibility decisions and approves or rejects applications

• Ensures compliance with regulatory standards, company policies and guidelines

• Documents and effectively communicates reasons for the approval/rejection of loans

• Submits applications with additional documentation to the loan officer for review

April 2013 – September 2020

Berkshire Hathaway-Trident, Devon, PA

Team Lead Mortgage Collateral/Post Closing Specialist

• Reviews loan documents for compliance, completeness, and accuracy prior to closing

• Schedules loan closings and creates and compiles closing documents

• Obtains missing information, prepares files, and provides support to both internal and external customers and stakeholders

• Records and documents loan information in company logs and required government reporting forms

• Responds to inquiries regarding closing requirements

• Assembles documents for delivery to title company, real estate brokers, or lending officers

February 2008 – April 2013

Wells Fargo, Chester, PA

Mortgage Loan Processor

• Responsible for verifying, compiling, and entering application information for mortgage loans

• Assisted loan officers during mortgage loan processing and consulted with clients to collect all closing documentation

• Updated mortgage clauses on Homeowners Insurance policies

• Processed internal and external payoffs for older mortgages and lines of credit

• Reviewed and organized files prior to submission for underwriting

• Worked closely with attorneys and loan officers to ensure all documents were accurately completed prior to closing

• Mailed letters of approval and denials to applicants

• Recorded all loan status updates electronically

October 2006 – February 2008

American Water, Cherry Hill, NJ

Accounting Assistant

• Responsible for Budgets, Forecasting, Payroll, Accounts Payable and Receivable

• Created budgets and forecasts for the management group

• Ensured compliance with accounting deadlines

• Prepared company accounts and tax returns for auditing purposes

• Coordinated monthly payroll functions for 200+ employees

• Performed financial transactions for Mortgage Brokers

• Performed other administrative tasks as required

January 1999 – October 2006

PNC Bank, Philadelphia, PA

Mortgage Loan Closer

• Prepared Notes, Mortgage and Truth in Lending disclosures

• Calculated aggregate escrow and prepared appropriate disclosures and documents necessary for closing

• Responsible for reviewing title commitments, termite inspections and surveys

• Resolved closing and pre-closing issues

• Responsible for assisting with post-closing communication as well as editing documentation issued by the title company at the time of closing

• Ensured accuracy of all closing data prior to funding loans

• Responsible for delivering files to shipping departments after closing to ensure stacking order accuracy

COMPUTER SKILLS

Proficient in Microsoft Word, Excel, Power Point, Access, Outlook, TEAMS; Typing: 60-65 wpm. Proficient in PCL Software/systems.

EDUCATION

Hahnemann University, Philadelphia, PA

Central Services Certificate, Awarded: June 2004

(Medical equipment sterilization, equipment management and medical terminology.)

BOK Vocational High School, Philadelphia, PA

High School Diploma, Awarded: June 1993

*References available upon request.

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