Des Moines West
Resume:
Catherine Miller
West Des Moines, Iowa
***********@*****.***
Analytically driven and highly motivated Mortgage Underwriter with 4+ years of experience in Underwriting and Data Analyzing. Exceptional attention-to-detail and communication skills. Highly adaptable, independent learner and dedicated to producing excellent results and quality service.
Work Experience
Better Home Mortgage and Holding Company — New York City, NY — Jan. 2025 — Sept 2025
Compliance Associate in Incident Management
· Managed compliance incidents related to mortgage loan origination, servicing, and disclosures, ensuring adherence to RESPA, TILA, ECOA, HDMA, and other Fair Lending regulations
·Investigated customer complaints, processing errors, and potential regulatory breaches to assess impact, identify and analyze root.cause, and implement timely resolutions
·Partnered with loan officers, underwriters, servicing teams, and legal to remediate issues and prevent recurrence
·Tracked, documented, and escalated incidents in accordance with internal policy and regulator expectations
·Monitored incident trends to highlight systemic risks and recommended process or policy enhancements
·Assisted in preparing responses for regulatory inquiries and examinations related to incident cases
Farm Bureau Financial Services – West Des Moines, IA – Dec 2023 – March 2024
Disbursement Associate
·Operated an administrative system to secure policy information to properly surrender policies and calculated cost basis and net gain information
·Determined acceptability of ownership, Trust, and Power of Attorney documents of life insurance policies
·Communicated with policy owners, agents, attorneys, businesses and others by phone and email regarding cost basis and net gain information, surrender requirements and 1035 exchanges
Wells Fargo - West Des Moines, IA (Remote) - June 2020 - March 2023
Loss Mitigation Underwriter / Consumer Loan Underwriter
·Investigated and analyzed mortgage data, customer information, credit and income documents
·Accurately calculated average income, credit and loan payments
·Ensured loan submittals met internal and external eligibility requirements and gained extensive experience in underwriting FHA, WO, GSE, Freddie Mac and Fannie Mae loans
·Maintained meticulous attention to detail in underwriting mortgages and evaluated the financial strength of borrowers to determine risk and repayment capacity
·Increased personal production from 5 to 15 files per day
·Demonstrated excellent follow-through with borrowers, loan processor, loan originators and management throughout all phases of the underwriting process
·Maintained compliance with lending, underwriting and government requirements
Wells Fargo -West Des Moines, IA - Oct 2019 - Feb 2020, Contract
Escalated Complaints Analyst / Data Entry Specialist
·Researched and analyzed escalated customer complaints
·Utilized multiple systems -CSS, CIV, ECMP, EITS, Hogan, ECaR
·Performed research, drew conclusions and composed related correspondence associated with complaints
·Recorded and resolved all member complaints and inquires and followed up with customer for additional information
·Maintained average of 5-10 files per day
·Made recommendations for appropriate action including referral to investigations for further review
Wells Fargo - West Des Moines, IA - June 2019 - Sept 2019, Contract
Operations Analyst / Data Entry Analyst
·Updated Repricing Requests and ensured accurate information
·Corrected closing dates on different types of financial requests
·Utilized different operating systems with high attention to detail
Core Competencies
-Data and Risk Analysis - Research and Analyzing
-Data Mining - Technical Writing
-Information Analysis - Underwriting
-Interpreting Policy/Procedures - Multitasking and Attention to Detail
Education
Bachelors of Liberal Studies, Emphasis on Statistics
Iowa State University - Ames, IA - Dec 2018
-Relevant Coursework: Statistics, SAS, JMP JAVA, Microsoft
-Projects: Group projects in class, developing code and conducting analysis
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