Angela Hill

Conduct thorough evaluation of mortgage loan applications to ensure creditworthiness and compliance with NCSECU lending guidelines, extensively analyzing financial documents and property appraisals while professionally communicating lending decisions to the loan officers.

Determined credit worthiness and compliance with lending guidelines of CONV, FHA, VA, USDA loan applications by evaluating them in collaboration with loan officers and processors for well-informed lending decisions.

Underwrite and process all Automated Underwritten (AUS) recommended and manual loans.

Place reasonable stipulations on loan files.

Clearly and concisely communicate status and loan decisions.

Utilize underwriting creativity and ability to restructure denied submissions into counteroffers and approvable loans.

Maintain accuracy in underwriting, processing and fee reconciliation to ensure salability and avoid errors or monetary losses.

Ensure quality workmanship and customer service while managing a heavy workload

Utilized underwriting skills for a variety of mortgage loan types including USDA, Conventional, VA, and FHA Automated Underwritten (AUS) recommended loans.

Place reasonable stipulations on loan files. Clearly and concisely communicate loan decisions.

Utilize underwriting creativity and ability to restructure denied submissions into counteroffers and approvable loans.

Maintain accuracy in underwriting, to ensure salability and avoid errors or monetary losses.

Ensure quality workmanship and customer service while managing a heavy workload.

Underwrote USDA, Conventional, and FHA Automated Underwritten (AUS) recommended loans.

Applied appropriate stipulations to loan files, ensuring effective communication of loan decisions in a concise and clear manner.

Exercised creative problem-solving abilities in transforming denied submissions into counteroffers and gaining approval for loans.

Sustained high level of accuracy in underwriting to maximize salability and minimize potential losses.

Ensure quality workmanship and customer service while managing a heavy workload.

Performed underwriting, decision-making, and loan processing for AUS recommended and manual loans. Applied necessary stipulations to Conventional, High Balance, and USDA loans.

Clearly and concisely communicate status and loan decision to the branch associates.

Ensure quality workmanship and customer service while managing a heavy workload.

Underwrote and processed Conventional loans in compliance with company guidelines.

Utilized discerning judgement to establish sensible stipulations for loan files, facilitating effective communication of loan decisions with customers and loan officers.

Underwrite and evaluate retail credit loan applications originated by the branches in order to meet the banks

goals and objectives

Review credit applications and analyze financial statements making sound credit decisions and communicate decisions to the branches within the established time frame.

Interview loan applicants, open new accounts, explain options and cross sell various types of account

programs. To provide assistance with account management.

Review and process denied, withdrawn and approved but not accepted retail credit and HMDA applications

for completeness; to ensure compliance with federal regulations and internal underwriting policies.