Underwriter

**** ******** **** ****

Conroe, TX ***** Phone: 832-***-****

E-mail: ********@***.***

Victoria Love

Work Experience

**** - ******* ************* **** *******, TX

Underwriter

Underwrote auto applications for the sub-prime channel, while maintaining a high level of quality.

Communicated with dealership representatives when necessary for more information to negotiate credit decisions.

Routinely and accurately processed more than 100 applications per day and in a timely manner while following all levels of compliance.

Identified correct and appropriate reasons to make exceptions on credit applications.

Adapted to changes in policies, procedures and additional responsibilities as required.

Consistently achieved volume objectives when decisioning applications, calculating income, and completing verifications on credit applications.

2005 - 2006 JP Morgan Chase San Ramon, CA

Mortgage Underwriter

Processed home equity and purchase applications for the broker channel, while paying special attention to detail and quality.

Communicated with brokers regarding declines or if more information was needed to make the credit decision.

Utilized ACAPS and Zippy to make sound credit decisions.

Analyzed income documentation including W2’s, tax returns for self employed persons, and pay stubs while pricing the deal appropriately.

Analyzed vendor work such as titles, full appraisals, and flood certifications.

Utilized HP 12C calculator to assist in loan calculations.

Underwriter of the Month (May 2006).

2004 - 2005 JP Morgan Chase Houston, TX

Underwriter

Processed retail lending credit applications after identifying customer’s need while maintaining minimum 98% accuracy.

Communicated the status of loans to bankers and customers.

Surpassed productivity goals by at least 130% on a consistent basis.

Utilized systems such as VLS and AFS to assist in decision making.

Demonstrated ability to follow credit policies and procedures while paying close attention to quality and queue management.

Ordered all vendor work including titles, appraisals, and flood certifications.

Utilized lending authority of up to $150K.

Employee of the Month (June 2005).

2003 - 2004 Harris County JP 4-1 Spring, TX

Court Clerk

Processed traffic fine payments.

Arranged payment plans and probations per the Judge’s instructions.

Prepared written communications to be sent to defendants when needed.

Assisted in other areas when needed, such as issuing and recalling warrants.

2000 - 2003 CitiCards Jacksonville, FL

Fraud Analyst

Handled inbound calls from credit card members, averaging 100 per day, to verify potential fraudulent activity.

Processed authorizations for merchants.

Achieved the Employee Performance Award on a consistent, monthly basis.

Participated in the Continuous Improvement Team (CIT).

Education/ Training

2005 – 2009 Florida State University Tallahassee, FL

BS in Social Science

Major: Sociology

Minor: Economics

2003 - 2005 Florida Community College Jacksonville, FL

Associate Degree in Business

Overall GPA of 3.5 on 4.0 scale

Fraud Early Warning Training – November 2000

Formal Credit Training – January 2004

Formal Underwriting Training – June 2006

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