BRITTANY MULLER
Caldwell,ID
Summary
College graduate with a degree in Sociology and current student undergoing MBA at Texas Womans University. Seeking to leverage 3.54 GPA. Driven, enthusiastic and personable Alum with excellent analytical and interpersonal skills. Great at skillful communication and multitasking. Motivated and results oriented Underwriter offering 9+ years Industry experience. Pays attention to details by analyzing risks and potential problems. Assertive and loyal team player collaborates well with others to produce quality results. Self- starter and energetic professional with an entrepreneurial attitude and a proven track record who acts with fair and ethical behavior.
Overview
10
10
years of professional experience
Work History
Recruiting Analyst( Part-Time)
ABBC Consulting
01.2020 - 11.2023
- Conducted phone interviews to assess applicants relevant knowledge, skills, experience and aptitudes.
- Conducted reference checks, background screening and other pre-employment checks to verify information on applicant's resume.
- Built strong relationships with internal and external candidates to ensure an excellent hiring experience.
- Advertised job opportunities on social media platforms and job boards.
- Assisted with onboarding and orientation of new hires to expedite acclimatization process.
- Evaluated strengths and weaknesses of candidates through effective screening processes.
- Coordinated schedules to arrange management interviews with applicants.
- Studied job descriptions and qualifications to determine applicant requirements.
Forensic Sr Audit Underwriter
Mphasis Digital Risk
01.2022 - 01.2023
- Underwrite loans in accordance with guidelines; utilizing AUS or manual underwrites
- Utilize client's loan operating system
- Evaluate and ensure overall loan documents are accurate, complete, and compliant
- Ability to identify and/or clear red flag or alerts
- Issue loan decision and condition file accordingly
- Review and approve conditions for compliance and completion of loan file
- Ability to interpret and apply client overlays and investor guideline requirements
- Resolve pre and post-closing issues as they relate to underwriting
- Evaluate a failed risk assessment, investigate fraud, and make recommendations to help improve the underwriting process
- Review closed loans to ensure compliance with all applicable laws
Sr Underwriter
Annie-Mac
01.2021 - 01.2022
- Approval, modification and/or denial of loans for potential sale to investors
- Timely underwriting of packages for compliance with company and various investor guidelines
- Complete understanding and adherence to CFPB policies, investor requirements, compliance standards and lending procedures -Contact with private investors and government agencies to resolve any issues or questions that may arise on loan files, programs, etc
- Determine the economic health of applicants
- Ability to work in a fast-paced environment, maintain the quality of workmanship
- Communication of decisions of loans to appropriate parties both verbally and in writing
- Review and analyze income including tax return analysis
- A thorough understanding of complex financial documents, Title Reports, understand creditworthiness while adhering to all regulatory and compliance requirement -Work with Loan Originators and processors to restructure questionable loans into a salable package
- Consult with the Processing and Closing department to ensure that all underwriting conditions are met prior to closing the loan
- Analyze loan packages for any sign of fraudulent documentation or information
- Remain informed of all government regulations, requirements and laws for both branch and broker submissions
- Evaluated the financial strength to determine risk and repayment capacity -Review and clear all underwriting conditions prior to closing
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions
- Inspected financial statements, credit information and title data to complete underwriting process
- Assessed loan conditions and provided effective feedback regarding decisions
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
Remote Underwriter
Ascendum Solutions LLC
08.2019 - 01.2021
- This position serves in the capacity of Frontline Underwriter for loanDepot
- To evaluate applications following industry, business and standards through automated systems and traditional Conventional & VA IRRRL underwriting
- Evaluates loans to maximize organizational profit and minimize risk or loss
- Approval, modification and/or denial of loans originated in the U.S
- Underwriting and quality control procedures to maintain compliance with industry guidelines and standards in a timely manner
- The underwriter is to determine the economic health of applicants
- Ability to work in a fast-paced environment, maintain the quality of workmanship, the ability to calculate income, including tax return analysis, catalog findings into a concise effective written and verbal summary
- A thorough understanding of complex financial documents, Title Reports, Appraisal, understand creditworthiness while adhering to all regulatory and compliance requirement
- 5-8 Touches per day including Initials and conditions.
Construction Underwriter
Homebridge
06.2016 - 08.2019
- Financial
- Homeowner/contractor Agreements
- Borrower/contractor acknowledgements
- Borrower/contractor Identity of Interest Disclosures
- Other renovation product specific disclosures required by FHA/FNMA or Homebridge Financial Services
- Title, Appraisal, Credit and asset review
- Exercised industry experiences and aptitude during review of appraisal, Contractor bids and HUD Consultant Work Write Ups confirming completeness and guaranteed their matching all product guidelines
- Authenticated validity of submitted certificates and licenses while dually maintaining a tracking system for pending/actual expiration both aforementioned credentials -Readied and posted weekly progress reports into the narrative note section of the organization's cloud-based electronic documentation system
- Review/Underwrite appraisal and bid(s) with the goal of confirming no further items needing repair have been noted by the appraiser outside of company's validated work scope
- Completed and signed required MMW's and ensured timely submission to interested parties
- Assessed loan conditions and provided effective feedback regarding decisions
- Inspected financial statements, credit information and title data to complete underwriting process
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
Credit Analyst
Loandepot
04.2014 - 06.2016
- Reviewed customer financial data to ascertain level of risk involved for extending credit
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk
- Assessed customer credit files regularly to review receivables
- Presented key information to upper management and executive team for loan recommendations approval/ decline
- Demonstrated leadership by making improvements to work processes and helping to train others
- Monitored and maintained compliance with internal controls and government regulations
- Juggled multiple projects and tasks to ensure high quality and timely delivery.
Education
MBA - HR Business Management
Texas Womans University
01.2024
Bachelor of Arts - Sociology
California State University
8.2021
Skills
- Teamwork
- Conflict Resolution
- Interpersonal Skills
- Communication
- Analyzing data
- Production-oriented
- Loss prevention
- Quality control
- Forensic Underwriting
- Audit Underwriting
- Conventional Underwriting
- Problem resolution
- Strong knowledge of Credit, income analysis, tax returns, and identifying red flags
- Risk Assessment
- Recognized by upper management personnel for expertise in products
- Encompass/ Empower
- Excellent oral, written communication and presentation skills
- Excellent analytic skills, attention to detail
- Strong time management skills, fast learner, self-motivated, and comfortable taking initiative and handling multiple projects simultaneously
- Microsoft Suite Proficiency
Timeline
Forensic Sr Audit Underwriter
Mphasis Digital Risk
01.2022 - 01.2023
Sr Underwriter
Annie-Mac
01.2021 - 01.2022
Recruiting Analyst( Part-Time)
ABBC Consulting
01.2020 - 11.2023
Remote Underwriter
Ascendum Solutions LLC
08.2019 - 01.2021
Construction Underwriter
Homebridge
06.2016 - 08.2019
Credit Analyst
Loandepot
04.2014 - 06.2016
MBA - HR Business Management
Texas Womans University
Bachelor of Arts - Sociology
California State University
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