Aarti Devi
Renton
Summary
Dynamic professional with experience as a Revenue Agent at WA State Department of Revenue, excelling in negotiation and compliance review. Proven track record in financial analysis and fostering strong relationships with stakeholders. Recognized for enhancing operational efficiency and mentoring teams, demonstrating exceptional attention to detail and leadership skills.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Revenue Agent
WA State Department of Revenue
08.2023 - Current
- Communicate and negotiate with taxpayers and apply investigative methods, using database searches, the internet and third party resources to resolve revenue collection activities on delinquent tax accounts.
- Manage a high volume of cases simultaneously, prioritizing tasks effectively to meet deadlines without compromising accuracy or quality of work.
- Take collection actions against non-compliant taxpayers, which include issuing estimated compliance assessments, filing tax warrants with county courts, bank and wage garnishments, review business financials to assist taxpayers with payment plans and revocation of business registration certificate.
- Conduct field work and investigations on delinquent accounts with taxpayer places of business, job sites and residences.
- Record all contact and correspondence histories and taxpayer information throughout the collection process.
- Establish strong working relationships with other government agencies, fostering a collaborative approach to revenue collection efforts.
- Assist taxpayers and taxpayer representatives with business registration, license renewals, payment processing and guidance on completing excise tax returns.
Mortgage Underwriter
Penrith Home Loans
11.2012 - 03.2023
- Evaluated mortgage applications for creditworthiness and compliance, approved, denied or counter offered loans based on established criteria and underwriting guidelines.
- Analyzed financial documents to determine loan eligibility and risk assessment.
- Collaborated with loan officers, loan processors, investors and government agencies to clarify borrower information and resolve discrepancies.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Maintained up-to-date knowledge of industry regulations and lending practices.
- Mentored junior underwriters and loan processors on best practices and compliance requirements.
- Led training sessions to improve team understanding of underwriting software tools. Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
Retention Operation Quality Auditor
Bank of America
08.2011 - 11.2012
- Analyze & audit credit and underwriting decisions based on established risk parameters and in accordance with policy, program and product guidelines.
- Remediate conventional and government loans to ensure accurate decisions are made with all underwriting deficiencies cured.
- Developed and implemented quality control processes, enhancing operational efficiency across departments.
- Provide aid and support to staff team and management in gathering and organizing data to track, report and manage internal control gap issues and mitigation plans.
Loan Adjuster Specialist
Wells Fargo Home Mortgage
04.2010 - 07.2011
- Collaborated with underwriting teams to ensure accurate documentation and effective resolution of loan modifications. Reviewed and adjusted collections portfolio to reduce delinquent accounts within framework of company and investor guidelines.
- Developed training materials for junior staff, enhancing understanding of loan adjustment processes and systems.
- Mentored new hires on best practices in loan adjustment, promoting a culture of accuracy and thoroughness within the team.
Loan Document Specialist
Wells Fargo Home Mortgage
07.2008 - 04.2010
- Reviewed loan documents for compliance with regulatory guidelines and internal policies.
- Collaborated with underwriting teams to resolve discrepancies in loan applications and documentation.
- Streamlined document processing workflows, increasing overall efficiency of loan file preparation.
- Conducted extensive mortgage processing training for new staff and team members.
Consumer Loan Underwriter
Wells Fargo Home Mortgage
04.2007 - 07.2008
- Directly responsible for underwriting conventional loans within company and industry guidelines by reviewing financial documents, credit packages and collateral. Approved, declined, or counter-offered loans up to $1 million.
- Reviewed, analyzed, and approved conventional loans by evaluating debt to income ratios, examining transactions to ensure accuracy and completeness, and ensuring underwriting documents were consistent and upheld to company and industry guidelines.
- Apply fraud detection techniques and performed compliance reviews to minimize risk.
Junior Mortgage Underwriter
Alliance Bancorp
12.2006 - 04.2007
- Evaluated mortgage applications for creditworthiness and risk assessment. Implemented underwriting guidelines to ensure compliance with industry standards.
- Accountable for underwriting and re-structuring conventional loans under DU and LP guidelines. Satisfied underwriting conditions and performed quality audits.
Production Coordinator
Reunion Mortgage
10.2005 - 11.2006
- Performed pipeline management daily for sales executives.
- Provided hands-on support during peak production periods, assisting teams in meeting tight deadlines.
Senior Loan Processor
Mortgage America
04.2003 - 10.2005
- Streamlined loan processing workflows, enhancing efficiency and reducing turnaround times.
- Mentored junior processors, fostering a collaborative environment and improving team performance.
- Conducted thorough reviews of loan documentation to ensure compliance with regulatory standards.
- Implemented best practices for data management within loan origination systems, minimizing errors.
Education
International Business Management
Brigham Young University
La'ie, HI06-2002
Skills
- Attention to detail
- Excellent communication
- Organizational skills
- Interpersonal skills
- Analytical skills
- Excellent negotiation skills
- Compliance review
- Written communication
- Financial analysis
- Analytical skills
- Payment processing
- Leadership skills
Certification
- Certified Mental Health First Aider
- Notary Public
Received Walt Disney's Five Star Customer Service Award
Was awarded Walt Disney's Five Star Customer Service Award for providing exceptional service to a customer in need.
Languages
Hindi
Native or Bilingual
Timeline
Revenue Agent
WA State Department of Revenue
08.2023 - Current
Mortgage Underwriter
Penrith Home Loans
11.2012 - 03.2023
Retention Operation Quality Auditor
Bank of America
08.2011 - 11.2012
Loan Adjuster Specialist
Wells Fargo Home Mortgage
04.2010 - 07.2011
Loan Document Specialist
Wells Fargo Home Mortgage
07.2008 - 04.2010
Consumer Loan Underwriter
Wells Fargo Home Mortgage
04.2007 - 07.2008
Junior Mortgage Underwriter
Alliance Bancorp
12.2006 - 04.2007
Production Coordinator
Reunion Mortgage
10.2005 - 11.2006
Senior Loan Processor
Mortgage America
04.2003 - 10.2005
International Business Management
Brigham Young University
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