LYNN MATTERA

***- ***-****

adykpq@r.postjobfree.com

Warwick, RI 02889

linkedin.com/in/lynn-mattera-a5346166

• Dependable and Reliable

• Positive Attitude

• Critical Thinking

• Problem-Solving

• Excellent Communication

• Attention to Detail

• Computer Skills

• Adaptability

• Team Player

• Ethics Awareness

• Anti-Money Laundering

• Fair Lending

• Fair Labor

Experience

Citizens Bank

January 2009 - November 2022

APPRAISAL ANALYST II / UNDERWRITER II — Mortgage/Home Equity Warwick, RI, June 2020 - November 2022

• Conduct reviews of appraisals and other valuation products on single family, tenant occupied, and condos by approving or declining the reports

• Communicate with appraisal vendors to obtain clarification and additional supporting explanations and or data as necessary

• Analyze the comparable properties used as well as the final value to verify that the value provided is supported

• Escalate any quality or service issues to the Collateral Investigation Unit and or Sr Management for review

• Adhere to bank policies and procedures as well as comply with legal and regulatory requirements.

• Analyze credit information in order to determine risk involved in lending credit to consumers for home equity lines of credit

• Approve, suspend or deny applications; ensure loans adhere to program, compliance and industry requirements

• Complete income verification after review of documents such as tax returns, W2's, 1099's award letters, paystubs, investment portfolio statements, divorce decrees and other court documents

• Exceed productivity levels established by Management and credit quality standards set forth by Citizens Bank.

FRAUD ANALYST III — Risk Management

Warwick, RI, August 2019 - June 2020

• Works primarily with Personal Loan Unsecured Lending as well as the Student Loan Division

• Investigate all provided documents as well as use inside and outside resources to verify and collect the necessary information to determine if the loan is fraudulent whether it is 1st party fraud or 3rd party fraud

• Collect, review and analyze data and/or documentation to ensure compliance with department SLAs, policies, procedures, and/or regulatory and risk requirements

• Creates and/or maintains databases/Excel spread sheets and management reports, interpreting data and identifying fraud trends

• Assist in developing and implementing policies, procedures, and training materials to maximize efficiency for the business lines

• Serve as subject matter expert with vendor relationships and serve as business unit liaison with other departments

PERSONAL LOAN UNDERWRITER — Unsecured Lending

Warwick, RI, January 2018 - August 2019

• Underwrite Personal loans- Review all income documents provided as well as checking the Work# and Easi for in-house accounts used for income purposes in order to make an informed decision on the loan

• Demonstrating sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making

• Assist management with coaching and training of colleagues as well as sitting with auditors when needed. UNDERWRITER II — Citizens Bank Mortgage

Warwick, RI, March 2016 - September 2017

• Underwrite Harp and Agency loans in addition to reviewing conditions to get the file to clear to close in a timely manner

• Proficient in reviewing all program guidelines

• Ensuring material information captured in the automated underwriting system is accurate at time of review and suggesting program alternatives for customers who do not qualify for terms initially submitted

• Demonstrating sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.

PRE-FUNDING QUALITY CONTROL ANALYST — Citizens Bank Mortgage Warwick, RI, January 2014 - January 2016

• Complete accurate and thorough audit of mortgage loan files

• In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set

• Collaborate with colleagues to facilitate defect remediation assuring file meets investor and Citizens guidelines

• Assisted the Condo/Coop review department

• Reviewed documentation provided by the mortgage underwriting/processing department as well as investigate the information provided and verify the complex to make an informed decision. SENIOR MORTGAGE LOAN PROCESSOR — Citizens Bank Mortgage Warwick, RI, January 2009 - January 2014

• Focused on attaining monthly goals and managing pipelines

• Support loan officers with handling underwriting conditions to effectively get loans to closing

• Work with borrowers to obtain requirements of the file

• Proficient with FNMA, FHA, DU and Empower computer programs

• Review and clear all titles before closing

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