Andrea Pierce
Keller,TX
Summary
Results-oriented Underwriter knowledgeable about wide range of loan products. Professionally works with different customers to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities.
Overview
4
4
years of professional experience
Work History
Account Executive
Commonwealth United Mortgage
Dallas, TX
01.2002 - 03.2004
- Analyzed customer financial data to determine eligibility for mortgage programs.
- Developed and maintained relationships with customers, real estate agents, and other professionals in the industry.
- Prepared loan documents such as credit reports, income statements, appraisals, and closing statements.
- Reviewed property titles to ensure accuracy of information prior to loan approval.
- Provided guidance on loan products and services to prospective borrowers.
- Handled customer inquiries regarding loan status or requirements via phone or email.
- Verified all necessary forms were completed accurately according to company standards.
- Provided support during the underwriting process by collecting additional documentation when needed.
- Monitored progress of loan applications throughout the entire process from start to finish.
- Attended regular meetings with sales staff to discuss strategies for increasing business volume.
Mortgage Underwriter
Countrywide Mortgage
Addison, TX
01.2001 - 01.2002
- Reviewed and analyzed loan applications for completeness and accuracy.
- Assessed risk levels associated with each loan application based on established criteria.
- Calculated debt-to-income ratios to ensure compliance with industry standards.
- Verified employment history and income of applicants.
- Evaluated collateral properties to assess market value.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Consulted with other departments regarding complex loan applications.
- Prepared detailed underwriting reports for management review.
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Identified potential issues related to title, appraisals, insurance coverage.
- Provided feedback and guidance to borrowers throughout the approval process.
- Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
- Interpreted results from automated underwriting systems.
- Issued clear written conditions for approval of mortgage loans.
- Conducted due diligence reviews of loans prior to closing.
Mortgage Closer
Long Beach Mortgage
Dallas, TX
01.2000 - 01.2001
Education
Bachelor of Arts - Interior Design
Art Institute of Las Vegas
Las Vegas, NVSkills
- Application Analysis
- Customer Relations
- Property Evaluation
- Client Interview
- Verbal and Written Communication
- Great Plains
- Market Analysis
- Networking and Partnership Development
- Oral and Written Comprehension
- Active Listening and Learning
Timeline
Account Executive
Commonwealth United Mortgage
01.2002 - 03.2004
Mortgage Underwriter
Countrywide Mortgage
01.2001 - 01.2002
Mortgage Closer
Long Beach Mortgage
01.2000 - 01.2001
Bachelor of Arts - Interior Design
Art Institute of Las Vegas
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