Underwriting, problem solving, judgement and decision making

Tomie Shoemake

***** * ******* *** • Mesa, AZ ***08 • 480-***-**** • **.********@*****.***

OBJECTIVE

A senior-level mortgage underwriting position where my multi-disciplined underwriting experience, proven quality and agency guideline expertise will add value to a financial services leader

PROFESSIONAL EXPERIENCE

Arizona Federal Credit Union, Phoenix, Arizona October 2008 – present

Senior Director of Underwriting/Consumer Lending

• Developed and trained Consumer, Indirect, Mortgage, and Equity Underwriters to make sound lending decisions increasing profitability

• Responsible for underwriting loan exceptions within delegated lending authority

• Maintained full responsibility for managing credit risk supporting a delinquency rate of less than .75% on new loan portfolio

• Managed the Income Underwriting Team to ensure income was calculated for all loan applications including paystubs, W2s, and tax returns

Desert Schools Federal Credit Union, Phoenix, Arizona April 2003 – December 2007

Mortgage Manager 12/2004 – 12/2007

Underwriting Supervisor 12/2003 – 11/2004

Underwriter 04/2003 – 12/2003

• Responsible for making credit decisions and handling exception requests

• Responsible for underwriting residential loans ensuring compliance with secondary market investor standards

• Expertise using DU and LP AUS systems for pre-qualifications and final approvals

American Residential Funding, Inc, Phoenix, AZ August 2002 – April 2003

Processing manager

• Trained employees and implemented enhancements to streamline processes and improve efficiency

• Maintained full responsibility for ensuring processing timelines, quality service and sales objectives were met

CitiFinancial, Grand Junction, CO September 1996 – July 2002

Branch Manager 01/1998 – 07/2002

Assistant Manager 08/1997 – 01/1998

Senior CSR 09/1996 – 08/1997

• Maintained full responsibility for managing credit risk supporting a delinquency rate of less than .80%

• Safeguarded company assets while maximizing portfolio performance

EDUCATION

Arizona State University, Tempe AZ August 1994

B.S. Finance

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