Allison Murphy
Marlboro,NJ
Summary
Analytical Underwriter known for high productivity and efficient task completion. Possess specialized skills in risk assessment, financial analysis, and regulatory compliance. Excel at critical thinking, decision-making, and problem-solving to evaluate applications accurately and make informed decisions.
Overview
15
15
years of professional experience
Work History
Underwriter
Essent Guaranty
Radnor, Pennsylvania
04.2015 - 03.2024
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Consistently exceeded production goals.
- Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Provided guidance on underwriting procedures to junior staff members.
- NMLS Licensed in MA, CT, and UT.
Senior Auditor/Mortgage Underwriter
Interthinx
Jersey City, New Jersey
03.2009 - 03.2015
- Reviewed and analyzed financial statements, accounting systems, and internal controls to assess accuracy of financial reporting.
- Identified potential areas of risk and communicated findings to management in a timely manner.
- Coordinated with external auditors on audits related to the company's subsidiaries and affiliates.
- Conducted special investigations into suspected fraud or misappropriation of assets or income.
- Prepared detailed reports summarizing audit results for senior management review.
Education
High School Diploma -
Bergen Community College
Paramus, NJSkills
- Lending and Underwriting Guidelines
- Credit and Income Analysis
- Cash Flow Analysis
- Creditworthiness assessment
- Quoting and pricing policies
- Reviewing Property Assessments
- Conforming Loans
- ARM Loans
- Non QM Loans
- Jumbo Loans
- Risk Assessment
- Service Excellence
- Risk Mitigation
- Caseload Management
- Analyzing data
Timeline
Underwriter
Essent Guaranty
04.2015 - 03.2024
Senior Auditor/Mortgage Underwriter
Interthinx
03.2009 - 03.2015
High School Diploma -
Bergen Community College