Customer Service Support Specialist

Professional Background

Personal Profile

Residential Mortgage Underwriter with an extensive background of over 20 years in underwriting, supervising and processing. An enthusiastic leader with a proven history of absorbing and applying new concepts quickly, and consistently meeting department production and loan quality goals. Adept at working independently in demanding environments with all levels of the organization, and consistently meeting all goals in a timely manner and in strict compliance with regulations and guidelines. Armed with excellent communication skills and high- level analytical ability, brings skills, experience and expertise that produce quality results. Skills & Expertise

Customer Service I Detail-Oriented I Due Diligence I Cross-Function Collaboration Team Leadership I Adaptable I Analytical I Solution-Oriented I Decision-Making DU/LPA I Income & Asset Analysis I Regulatory Compliance I Quality Control Audits File Management/ Review I Non-Conforming Products I Guideline Overlays Conventional Guidelines I Investor/Agency Guidelines Jumbo Loans Non-QM Loans USDA Loans Non- Traditional Credit

Technical Skills

Microsoft PowerPoint I Microsoft Excel I Microsoft Word I One Note I Outlook Encompass I Empower I Workspace I BI-Report I Tableau SENIOR UNDERWRITER, DIRECTOR OF UNDERWRITING

HomePoint Financial, Ann Arbor, Michigan (remote) September 2019 – February 2023

• Maintained record of quality defects at 5% or lower.

• Worked with company’s Future’s Program, assisting in the development of individuals in the program.

• Managed team of Underwriters and an Underwriting Support Specialist. Performed second level review of files to ensure due diligence for saleable loans.

• Met and exceeded turn times and production levels as required by service loan agreement.

• Worked to maintain open lines of communication between account executives and brokers.

• Evaluated credit worthiness of each loan applicant and validated loan application and credit documentation to conduct credit analysis and determine applicant’s ability to repay mortgage on conventional, Jumbo, USDA and Non-QM loans.

SENIOR UNDERWRITER

Fifth Third Bank, Oak Lawn, Illinois (remote) May 2019 – September 2019

• Met turn time requirements consistently.

• Identified red flags, data errors and audit accuracies to eliminate any salability issues with the loans.

• Analyzed and authorized financial, credit and technical documents with due diligence.

• Ensured all loan requirements adhered to legal and corporate guidelines. SHANNON STOUT

Crete, Illinois - 708-***-**** - adyze9@r.postjobfree.com Mortgage Underwriting Professional

• Maintained open lines of communication with Loan Officers and Processors. Shannon Stout, 708-***-**** Resume Page 2 of 2

SENIOR UNDERWRITER/ TEAM LEAD

MB Financial, Ann Arbor, Michigan (remote) February 2012 – May 2019

• Completed second level decline reviews and audit reviews of team members; maintained compliance with Reg. B requirements, meeting all requirements.

• Recommended process improvements to management that were incorporated in training.

• Made credit recommendations and exceptions within assigned level of authority.

• Provided first-level support to Underwriters and Junior Underwriters.

• Maintained thorough understanding of agency guidelines and overlays. SENIOR UNDERWRITER

PNC Mortgage, Westmont, Illinois (remote) February 2009 – February 2012

• Managed daily pipeline within required turn times while working remotely and maintained regular communication with the main office in regard to loan decisions and updates.

• Validated loan applications and credit documentation; performed credit analysis and determined borrower’s ability to repay mortgage.

• Made quality credit decisions on all loans within the due diligence process. Reviewed and determined credit analysis on conforming conventional files, USDA files, Jumbo loans, Non-QM loans and use of non- traditional credit for qualifying applicants

UNDERWRITER

Chase Home Finance, Oak Brook, Illinois October 2001 – November 2008

• Ensured submitted applications followed Conventional regulations and made appropriate decisions regarding credit.

• Determined credit worthiness of potential buyers through careful analysis of the financial information.

• Collaborated with self-employed borrowers and analyzed income.

• Established rapport and partnerships with co-workers and promoted positive employee relationships by proactive communication and collaboration.

Education: Crete-Monee High School- Diploma

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