AMY CROWLEY
Senior Underwriter
Surprise,AZ
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with both HELOC and first mortgage customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
16
16
years of professional experience
5
5
years of post-secondary education
Work History
SENIOR UNDERWRITER
MUFG UNION BANK
Remote- Phoenix, Arizona
05.2021 - Current
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Assessed loan portfolios for compliance with underwriting policies.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
- Completed 1-3 New Client Underwrites & 24 hour SLA on re-submissions.
SENIOR MORTGAGE UNDERWRITER
ONE AMERICAN BANK
Remote- Phoenix, AZ
07.2020 - 04.2021
- Level II Underwriting Authority
- DU/LPA
- Conventional Refinance and Purchase Underwriting
- Underwriting Compliance and Risk Assessment
- 1-3 Initial Underwrites Per Day and Maintained 24-hour SLA on Re-Subs.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
SENIOR MORTGAGE PROCESSOR
Amerisave Mortgage
Remote- Phoenix, AZ
04.2020 - 07.2020
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Prepared file for final clear-to-close by branch management.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Set up and completed loan submission packages
- Managed Pipeline of 45-65 Loans
- 48 Hour SLA on Re-subs
SENIOR. MORTGAGE PROCESSOR/JUNIOR UNDERWRITER
USAA
Phoenix, AZ
12.2016 - 04.2020
- Process Mortgage Loan Applications: VA, VA JUMBO, IRRRL, Conventional High Balance,
- Conventional: Purchase and Refinance
- DU
- Subject Matter Expert- VA JUMBO Loan Product & New Hire Training Classes
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Communicated with originator and applicant concerning progress of loan file.
- Prepared file for final clear-to-close by branch management.
- Provided Support to originations, underwriting, and closing teams by ensuring timely and judicious processing of mortgage loan applications
- Verify Borrower’s Income, Assets, and Credit
- Gather appropriate supporting documentation
- Process and Interpret title orders and request appropriate corrections
- Review Appraisals and ensure all revisions, supporting inspections, and final inspections are completed
- Peer to Peer Training and Support
- Achievements- Eagle Award Winner (Top 5% Company- Performance Based).
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Managed Pipeline that averaged 35-75 Files.
- 48 Hour SLA on re-subs
SENIOR FRAUD COMPLIANCE ANALYST
JP MORGAN CHASE BANK
Tempe, AZ
05.2013 - 11.2016
- Monitored Compliance of Suspicious Activity Reporting.
- Acted as direct support to regional fraud investigator.
- Internal Audits.
- Control Reporting.
- Processed Legal Subpoenas for Local, State, and Federal Law Enforcement.
- Conducted Skip Tracing & Case analysis for active fraud investigations.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Evaluated success of fraud detection systems to identify areas for improvement.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Collaborated with internal and external stakeholders to create and maintain fraud prevention strategies.
- Established and maintained positive working relationships with external law enforcement agencies to support fraud investigations.
- Conducted forensic analyses of financial records to identify fraudulent activity and accurately report findings.
- Managed Caseload of 50+ on Average
Fraud Investigator
Discover Finacial Services
Phoenix, AZ
09.2011 - 05.2013
- Reviewed transactions and receipts to identify any suspicious activity.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Conducted research and interviews with relevant stakeholders to gather evidence and build case files.
- Contacted customers directly to notify of fraudulent activity and minimize impacts.
- Analyzed financial statements to identify discrepancies, irregularities and fraudulent activity.
- Skilled at working independently and collaboratively in team environment.
- Worked effectively in fast-paced environments.
- Interviewed witnesses thoroughly, asking appropriate questions to ascertain critical details about each case.
- Tracked fraud cases and monitored trends to develop strategies for prevention.
- Worked with third-party vendors to access and analyze data and systems.
- Established and maintained positive working relationships with external law enforcement agencies to support fraud investigations.
- Managed Assigned Caseload 50+
Realtor
1st AZ Homes
Peoria, AZ
10.2006 - 09.2011
- Completed property walk-throughs before completing deals to uphold accuracy in listings and appraisals.
- Liaised between buyers and sellers to establish favorable prices and negotiate contract terms.
- Compared recently sold area properties to determine competitive market prices.
- Wrote contracts to outline sales and purchases of properties.
- Advised and informed prospective clients on current market activities and conditions.
- Educated clients on changing or updating properties, buying, and selling techniques and processes to maintain curb appeal.
- Assisted buyers with finding ideal homes by assessing needs, requirements, and budgets.
- Resolved client concerns related to home purchases to maintain high satisfaction ratings.
- Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations.
- Negotiated, facilitated, and managed real estate transactions.
- Presented purchase offers to sellers for consideration.
- $1,000,000+ Annual Sales
Education
Bachelor of Arts - Social Sciences
KANSAS STATE UNIVERSITY
Manhattan, KS 08.1993 - 05.1998
Real Estate Licensing Certificate - Sales Certificate
Professional Institute A Real Estate
Glendale, AZ 07.2006 - 09.2006
Skills
Risk Assessments
Affiliations
- Kansas State Alumni Association
- Federal NMLS License #1443698
- State Of Arizona Fingerprint Clearance.
Timeline
SENIOR UNDERWRITER
MUFG UNION BANK
05.2021 - Current
SENIOR MORTGAGE UNDERWRITER
ONE AMERICAN BANK
07.2020 - 04.2021
SENIOR MORTGAGE PROCESSOR
Amerisave Mortgage
04.2020 - 07.2020
SENIOR. MORTGAGE PROCESSOR/JUNIOR UNDERWRITER
USAA
12.2016 - 04.2020
SENIOR FRAUD COMPLIANCE ANALYST
JP MORGAN CHASE BANK
05.2013 - 11.2016
Fraud Investigator
Discover Finacial Services
09.2011 - 05.2013
Realtor
1st AZ Homes
10.2006 - 09.2011
Real Estate Licensing Certificate - Sales Certificate
Professional Institute A Real Estate
07.2006 - 09.2006
Bachelor of Arts - Social Sciences
KANSAS STATE UNIVERSITY
08.1993 - 05.1998
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