Amanda Johnson
Lake Mary,FL
Summary
Professional with strong foundation in risk assessment, financial analysis, and decision-making. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. Adept at fostering team collaboration and adaptable to changing needs to ensure optimal results. Known for precision, reliability, and delivering impactful outcomes in underwriting.
Overview
21
21
years of professional experience
Work History
Insurance Underwriter
Travelers Insurance
03.2023 - Current
- Evaluate risk information, exposure and accurate premium through sound review, investigation and analysis of all relevant information.
- Minimize potential financial losses by executing appropriate premium and underwriting decisions.
- Independently manage assigned book of business.
- Collaborated with small team of peers and senior management to develop strategies for identifying premium fraud.
Mortgage Underwriter
The Mortgage Firm
11.2020 - 11.2022
- Performed credit reviews, income analysis, and risk assessments for home loan applications and other loan products. Collaborated with internal partners to develop and present complex solutions to meet borrowers' needs.
- Levied expert support for all major loan types including conventional, FHA, VA and USDA loans; handled jumbo loans and niche specialty products as well.
- Partnered with loan officers to review and resolve complex home loan applications; connected and worked with loan officers and loan processors; assessed restructuring opportunities; strategized solutions to facilitate closed loans.
- Leveraged underwriting skills to undertake review responsibilities for all loan product types within short timeframe; networked with peers and leadership team to overcome obstacles; interpreted and applied mortgage guidelines.
- Spearheaded advancement to underwriting from loan processing responsibilities; utilized product guidelines; submitted for review by upper management; honed decision-making skills while working from home.
- Championed loan product guidelines and best practices; reviewed and interpreted instructions for government and conventional loans; adhered to specific investor requirements, banking requirements and overlays.
Loan Processor
The Mortgage Firm
08.2003 - 11.2020
- Managed loan file preparations and lender submissions to support borrowers applying for loan products. Supported loan closures by handling all administrative and documentation tasks. Conducted pre-qualification reviews. Tracked loans throughout application process. Cultivated long-lasting relationships by networking with industry professionals.
- Processed 50 loans per month after voluntarily spearheading CEO pipeline; reached out to CEO; proposed adding responsibilities to improve overall team efficiency; met with prospective borrowers; obtained relevant documents; cultivated relationships throughout loan process; promoted continuous improvement to streamline efforts.
- Facilitated 20% referrals increase by establishing and building internal and external relationships; worked closely with borrowers, real estate partners, title companies and investors; managed communications; sought referrals.
- Trained and mentored new loan processors; supported processors through entire workflow process; reviewed required procedures and documentation; provided training materials; scheduled availability to help with questions.
- Led team meetings to review new loan products and educate support staff; researched product guidelines; maintained detailed notes; held virtual and in-person meetings; facilitated discussions; outlined best practices.
Education
No Degree - Associate of Arts
Valencia Community College
Orlando, FLSkills
- Risk evaluation
- Data Interpretation
- Credit analysis
- Pricing decisions
- Collaboration
- Project management
- Collateral review
- Underwriting guidelines
- Critical Thinking
- Customer service
- Policy evaluation
- Specialty coverage
Timeline
Insurance Underwriter
Travelers Insurance
03.2023 - Current
Mortgage Underwriter
The Mortgage Firm
11.2020 - 11.2022
Loan Processor
The Mortgage Firm
08.2003 - 11.2020
No Degree - Associate of Arts
Valencia Community College