ANGELA JENKINS
Underwriter Assistant
Greenville,SC
Summary
Proficient Assistant Underwriter successful in reviewing applications and evaluating risks. History of being an effective team member with full understanding of the underwriting process and team needs. Highly organized to handle large workloads. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Underwriting Assistant
Homepoint Financial
Greenville, SC
01.2019 - 11.2022
- Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information
- Reviewed credit reports, financial statements and transactions to verify accuracy and completeness
- Contacted clients to gather additional information to make appropriate lending decisions
- Verified data integrity and accuracy as pre-closing responsibilities to prepare loan files for closing team
- Reviewed sales contracts, appraisals, titles and deeds to effectively underwrite real estate loans
- Improved operations through consistent hard work and dedication
- Actively listened to clients, handled concerns quickly and escalated major issues to supervisor.
- Improved department efficiency 32% by participating in new technical programs by developing file management systems and spreadsheets to manage file review
Senior Processor
First Home Equity, LLC
Greenville, SC
01.2017 - 01.2019
- Reviewed financial statements and contacted institutions and customers to clarify details
- Handled any conditions sent from underwriting departments
- Set up, stored and updated customer files, department records and regulatory paperwork
- Filed completed loan applications with underwriting and made approval or denial recommendations
- Completed denial and cancellation procedures on applicable files
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor
- Evaluated approvals against established bank and government lending standards
- Upheld complete confidentiality of all submitted information according to release guidelines
- Reviewed and validated details of loan applications and closing documentation.
Construction Lending Coordinator
America's Home Place, Inc
Greer, SC
08.2016 - 12.2018
- Identified and recommended changes to existing processes to improve accuracy, efficiency and responsiveness of customer service department
- Implemented changes that exceeded following year's final settlement projections by 25%
- Assisted with every client from initial sales process including presenting purchase agreements to submitting for approval of construction loan up to final settlement with clients consistently with lenders, customers, and appropriate government entities to ensure Construction Loan Closings, Construction Starts, Bank Draws, and Perm Loan Closings happened timely to meet deadlines
- Used coordination and planning skills to achieve results according to schedule
- Assisted Sales Consultants with initiating, prospecting, and marketing campaigns to attract customers
- Obtained all necessary information and submitted for approval of septic and building permits, business licenses and architectural review boards
- Monitored pipelines to track and log status of loans
- Drove operational improvements which resulted in savings and improved profit margins
- Resolved problems, improved operations and provided exceptional service
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting
Mortgage Insurance Underwriter
RMIC
Greenville, SC
02.2004 - 11.2008
- Met with customers, agents and brokers to negotiate coverage, price and service delivery
- Evaluated debt ratio, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure
- Researched to stay aware of new investors and guideline changes
- Resolved any auditing deficiencies with Quality Assurance and Management
- Used coordination and planning skills to achieve results according to schedule
- Gained extensive knowledge in data entry, analysis and reporting
Education
Associate of Science - Pharmacy Technology
Greenville Technical College
08.1991
Skills
- Strong collaboration skills, and ability to work effectively both independently and as part of any team
- Comfortable in fast-paced environments with frequent deadlines; high energy, self-motivated and proactive
- Excellent communication and interpersonal skills
- Active Learning, Underwriting Guidelines and Understanding
- Appraisal Reviews
- Complex Problem-Solving
- Data Collection and Integrity
- Critical Thinking
- Risk management
- Policy renewal, quoting and pricing
- Property Insurance Policy approvals including Flood, Rental, General Liability and Errors and Omissions
- Proficient in MS office (Word, Excel, Outlook)
- Quality Assurance
Certification
South Carolina P&C License - 1994-1996
Timeline
Underwriting Assistant
Homepoint Financial
01.2019 - 11.2022
Senior Processor
First Home Equity, LLC
01.2017 - 01.2019
Construction Lending Coordinator
America's Home Place, Inc
08.2016 - 12.2018
Mortgage Insurance Underwriter
RMIC
02.2004 - 11.2008
Associate of Science - Pharmacy Technology
Greenville Technical College
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