Anna Schweitzer

Vacaville, CA ***** adzkjm@r.postjobfree.com 707-***-**** linkedin.com/in/anna-schweitzer-3a59408/

TARGET ROLES: MORTGAGE UNDERWRITER, CREDIT ANALYST

Results-driven, dynamic professional with 15+ years of extensive experience in mortgage loan underwriting, regulations compliance, and quality financial services. Equipped with a categorical understanding of the mortgage lending process and FHA/VA residential mortgage loans. Ability to underwrite VA, FHA, conventional and jumbo loans, FNMA, FHLMC, and non-conforming mortgages. Capacity to perform a thorough analysis of the applicant’s income and expense data, asset documentation, and credit reports. Always looking for ways to grow professionally within a remote/hybrid work environment.

CORE COMPETENCIES

Property Valuations Creditworthiness Determination Loan Programs Loan Documentation Credit Review Loan Applications Analysis Risk Assessment Customer Service Loan Mitigation Account Management Third-party Relations Leadership & Teamwork Strong Written and Verbal Communication Skils Confidentiality Issue Resolution Analytical Thinking

PROFESSIONAL EXPERIENCE

Retail Conventional Loan Underwriter-Conforming/Non-Conforming, Wells Fargo Concord, CA (Remote) Jul 2010 – Mar 2023

Leveraged best practices to refinance transaction mortgage loan applications and thoroughly reviewed purchases.

Ensured strict adherence to established guidelines by assessing credit documentation and client’s overall eligibility.

Maintained an open line of communication with HMCs and the processing team necessary for workflow efficiency.

Proactively responded to customer inquiries and credit decisions, including assisting with preparing reports.

Retail, Wholesale & VA IRRRI Underwriter, Home Savings of America San Ramon, CA May 2009 – Feb 2010

Underwrote retail and wholesale loans, reviewed conditions according to rules, and conducted VA IRRL workup for condition clearing and resubmissions. Generated approximately referrals for sales opportunities and sales of other business line products.

Accounted for evaluating applications, titles, appraisals, income, and supporting documentation for loan decisions.

Obtained and organized necessary documents from borrowers for the underwriting process, ensuring 100% accuracy.

Credit Analyst/Underwriter-FHA & Conventional, Wachovia Bank San Leandro, CA Sept 2008 – May 2009

Closely worked with FHA mortgage projects to ensure FHA guidelines were adhered to, including signing off and reviewing conditions.

Examined credit eligibility by analyzing credit, appraisal, and title while calculating income accurately.

Underwrote FHA loans for DE final approval and achieved the established turnaround time to maintain service levels.

PREVIOUS WORK EXPERIENCE

Senior Underwriter, Washington Mutual Bank Dublin, CA

Underwrote five to eight (5-8) loan submissions per day for credit decisions and underwrote loans via Loan Origination System.

Determined credit risk of borrowers by analyzing loan applications & credit reports, lending authority $2M and $2M aggregate.

Delivered final decision on whether or not to approve credit application within an established 1-day SLA.

Loan Coordinator, Washington Mutual Bank Dublin, CA

Strategically managed an average of 100 loans in the pipeline on a daily basis while supporting the training for the PACE program.

Sustained high productivity rate anchored on defined standards and signed-off conditions to funding loan.

Collaborated with account executives and brokers to determine the required documentation to meet underwriting conditions.

Loan Counselor, Eglin Federal Credit Union Ft. Walton Beach, FL

Performed duties integral to cross-selling other bank products and underwriting an average of 10 loan applications per day.

Supervised loan department, prepared closing paperwork and funded loans, and maneuvered loans appropriately.

Consumer Loan Officer, Key Bank Puyallup, WA

Rendered service in a bank branch to introduce loans and cross-sell the bank’s products and services to diverse customers.

Processed title paperwork, worked with a notary public, and maintained a working knowledge of the bank’s products.

EDUCATION & PROFESSIONAL DEVELOPMENT

FHA Training completed Sept 2008

TECHNICAL SPECIALTIES

Windows 7/10/XP, Banking Applications (CORE, Loan Origination System, LexisNexis, Disco, Loan Safe, Visual Banker, Branch Banker, Branch Teller, DAtatrac, DU, Dataverify LIS, & DocTrac), Microsoft Office Suite (Word, Excel, PowerPoint, Teams, Outlook)

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