Real Estate Credit Union

Aimee R. Wymer

Jacksonville, Florida *****

(***) 738 – 3831 adzzt6@r.postjobfree.com

Work History

Intracoastal Bank

February 2023 – Present

Credit Analyst/Portfolio Manager

Evaluate, analyze and underwrite consumer and commercial loans/transaction, including but not limited to: residential mortgages, HELOCs, Small Business loans, Commercial Real Estate and Commercial & Industrial Loans.

Identify, gather, and analyze relevant information to assess credit risk, establish viability of sources of repayment, and determine appropriate loan structures for the Bank’s most complex credits.

Support management of the Bank’s lending operation and loan portfolio, including credit underwriting, loan procurement and production, and credit administration, documentation, and servicing.

Support all aspects of the credit policy function including underwriting, regulatory relations, and compliance.

Ensure overall portfolio performance and asset quality remains strong and the Bank maintains adequate risk in all areas of lending.

Pentagon Federal Credit Union

August 2021 – November 2022

Senior Mortgage Underwriter

Review and analyze income, collateral and asset documentation for compliance with company guidelines and associated risk appetite as well as for any investors or Correspondents.

Underwrite Jumbo loans (Delegated and Non-delegated) HELOCs and Non-QM files. (Specializing in self-employment/ complex tax return review and high net worth clients. Underwriting sign-off authority on loans up to $2,000,000)

Underwrite conventional and conforming mortgages according to VA, FHLMC and FNMA guidelines using manual underwriting, automated scoring and DU findings.

Review all aspects of credit file for compliance with guidelines: appraisal, credit bureau reports, income and asset documentation, title and insurance policies.

TIAA Bank

June 2015 – August 2021 (Acquired by PenFed Credit Union August 2021)

Correspondent Mortgage Underwriter Level IV

Underwrite jumbo and super jumbo loans for compliance with investor guidelines including credit, income, asset and collateral review

August 2021: PenFed Credit Union acquisition of TIAA Correspondent lending channel resulted in transition from TIAA to PENFED FCU. Underwriter’s job description, general job requirements and functions remained the same (see above)

PHH Mortgage

June 2010 – June 2015

Assistant Underwriting Supervisor (April 2013 – June 2015)

Junior Mortgage Underwriter (June 2010 – April 2013)

Analyze employee performance to ensure PHH meets investor turn times and quality requirements (specifically working for Merrill Lynch delivery)

Underwrite FNMA, FHLMC and jumbo loans with expertise in high net-worth and ultra-high net-worth clients

Ensure high staff productivity, quality and morale through coaching and leadership

Analyze overall business pipeline and effectively manage employee workflow on a day-to-day basis

Serve as a point of escalation between the underwriting team and other teams within the company

Review and correct loan deficiencies for investors and Quality Control

Southeastern Bank

September 2008 – June 2010

Credit Analyst – Management Trainee

Assist upper management in making credit decisions on commercial, residential and mortgage loan files by reviewing and analyzing financial statements and underwriting documentation

Communicate loan policy and regulatory lending issues to loan officers in an effort to mitigate credit risk in the loan portfolio

Audit loan files for compliance with state and federal regulations

Review and analyze real estate appraisals for collateral purposes

Prepare internal and regulatory reporting for management and the Board of Directors

Education University of Georgia (Athens, GA)

August 2004 – May 2008 Bachelor of Business Administration in Finance

Contact this candidate