ANGELA KING
SR. Underwriter
Texarkana,TX
Summary
Highly Educated and experienced in mortgage operations and originations, financial analysis, problem solving, time management, conflict resolution, CRM, Data management, customer service, compliance and regulation knowledge and team collaboration. Proficient in mortgage software systems and technology platforms. Exceptional organizations skills, with the ability to handle multiple tasks and prioritize effectively. Strong attention to detail, ensuring accuracy and compliance throughout the mortgage process. Excellent interpersonal and communication skills. Knowledge of DU and LP underwriting system, Encompass, Oracle, MSP, Black night, Salesforce, & SharePoint. Proficient in Microsoft Excel and Office Suite. Extensive knowledge of Fannie Mae and Freddie Mac, FHA, VA and Conventional Mortgage lending regulations and process. Gifted in evaluating risk and loss potential and developing information for new and renewal policies.
Overview
18
18
years of professional experience
Work History
Forensic Underwriter
Digital Risk
08.2020 - Current
- In depth forensic underwriting review of over 1 million records, over ten-year look back period, with hundreds of specific errors for loans that were denied
- Review included, but not limited to, determine accuracy of automated underwriting results, credit policy guidelines were adhered to and provide feedback on customer impacts
- This included combining errors to determine if overlapping issues had impact on original decision
- Performed due diligence as 3rd level reviewer and provided quality control feedback to 1st level and 2nd level reviewers to ensure quality of each loan was following Treasury, Company, and Investor guidelines for CFPB
- Performed manually calculations on loans were waterfall never ran
- Helped with conducting training, was SME and assisted answering questions on process flow for less experienced staff
- Consistently exceeded daily KPI standards for file reviews and prepared training materials.
- Demonstrated strong organizational and time management skills while managing multiple projects
- Worked effectively in fast-paced environments
- Demonstrated respect, friendliness and willingness to help wherever needed
Loss Mitigation Underwriter
Alpine
06.2018 - 08.2020
- Underwrote loss mitigation applications in accordance with Treasury, Company, and Investor guidelines
- Analyzed loan quality and ensured compliance with regulatory guidelines
- Conducted Verification of Income (VOI) and calculated debt-to-income ratios for customers
- Verified borrower occupancy, hardship, and income
- Applied payment waterfall to determine workout eligibility, including repurchase plans, forbearance's, modifications, or liquidation options
- Identified types and amounts of liquid assets held by borrowers when applicable
- Communicated necessary conditions for file documentation to relevant parties
- Completed system tasks as required to maintain compliance with guidelines
- Documented final decisions and updated system records accordingly.
AML Compliance Investigator
NTT DATA
04.2016 - 05.2018
- Reviewed team member's files for accuracy and completeness
- Review and investigate customer information for potentially suspicious activity while performing AML investigations
- Utilize knowledge of Money Laundering Laws, OFAC requirements, and KYC concept files and credit card businesses
- Wrote and prepare (SARS) in accordance with regulatory requirements
- Perform additional tasks as assigned, improving effective administration of AML and KYC Policies
- Evaluate wire transfers and other payments for potential fraud, money laundering, patterns and inconsistencies.
- Investigated fraud referrals and performed research to minimize risk and resolve inquiries
- Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents
- Identified and implemented effective methods for examining and analyzing financial documents
Loan Originator
TMN Interests
11.2014 - 04.2016
- Processed and managed all paperwork associated with mortgage loan applications, ensuring compliance with documentation requirements
- Facilitated lending process by assisting brokers and borrowers in obtaining loans, including collecting all necessary documents, verifying information, and providing Letters of Intent (LOI)
- Provided ongoing support to brokers or borrowers, reviewing lending applications, and requesting additional paperwork as needed
- Evaluated creditworthiness by processing loan applications and documentation within specified limits
- Communicated with clients to request or provide information and justify decisions (approvals/rejections) as needed
- Completed loan contracts, counseled clients on policies and restrictions, and maintained and updated account records.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency
- Originated, reviewed, processed, closed, and administered customer loan proposals
Mortgage Underwriter
Wingspan Portfolio Advisors
03.2013 - 06.2014
- Recognized as Top Performer each month in quality and production
- Conducted through forensic investigations on large portfolio of loans, evaluating financial data, and determining risk of fraud
- Black knight systems to gather BK information and Ordered flood certificate
- Analyzed complex financial transactions, identified fraud schemes, and recommended proper actions to prevent future occurrences of fraudulent activities.
- Applied grades to each loan application based on established criteria to keep institutional risk low
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA
- Worked with processing team members to communicate errors and obtain missing information for current applications
- Analyzed potential risks and evaluated loan products to identify suitable options for customers
Mortgage Specialist II
Bank of America
02.2012 - 03.2013
- Handled inbound calls from mortgage customers and assisted customers in loan application process Data entry of all information
- Answered any questions regarding borrower's loans and advised borrowers of best options.
- Worked with various lenders to find best deal for homebuyers each month
- Reorganized, streamlined and strengthened operations to maximize performance and profitability in highly competitive markets
- Remained updated with latest information related to mortgage products and services being offered
- Explained legal aspects of loan to borrower, as well as payment terms and clauses
- Evaluated pay stubs, credit history, tax information and bank statements for financial status
AML Investigator
American Mortgage Lending
07.2010 - 02.2012
- Reviewed loans for quality assurance, risk and misrepresentation
- Analyzed and reported on loan quality issues and recommended any changes
- Maintained up to date knowledge of relevant practices affecting loss mitigation underwriting decisions.
- Prepared reports, metrics and research to support fraud initiatives and projects
- Investigated fraud referrals and performed research to minimize risk and resolve inquiries
- Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents
- Identified and implemented effective methods for examining and analyzing financial documents
- Monitored financial transactions and immediately reported suspicious activity to authorities
Customer Service Rep/Technical Support II
Convergys
05.2009 - 07.2010
- Handled technical inbound phone calls from ATT customers
- Assisted customers in troubleshooting cell phones and resolving.
- Translated complex technical issues into digestible language for non-technical users
- Used ticketing systems to manage and process support actions and requests
- Explained security measures in simple terminology to help users understand malware and phishing threats
- Generated reports to track performance and analyze trends
- Assisted customers in identifying issues and explained solutions to restore service and functionality
Mortgage Underwriter
Sparling Mortgage
01.2006 - 05.2009
- Analyzed mortgage applications, income documents, title documents, tax documents and credit documents
- Evaluated debt ratio and credit score and approved and declined loans.
- Worked with processing team members to communicate errors and obtain missing information for current applications
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes
- Approved or denied loans based on established criteria and underwriting guidelines
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines
Education
Diploma - Diploma
North High School
Sioux City, IAAssociate of Arts -
University of Phoenix
Arizona City, AZSkills
Documentation Loss Prevention Analyzing Data Loss Protection Risk Assessment Regulatory Compliance Financial Analysis Underwriting Documentation Management Communication Problem-Solving Attention to Detail Team Collaboration Adaptability
undefinedTimeline
Forensic Underwriter
Digital Risk
08.2020 - Current
Loss Mitigation Underwriter
Alpine
06.2018 - 08.2020
AML Compliance Investigator
NTT DATA
04.2016 - 05.2018
Loan Originator
TMN Interests
11.2014 - 04.2016
Mortgage Underwriter
Wingspan Portfolio Advisors
03.2013 - 06.2014
Mortgage Specialist II
Bank of America
02.2012 - 03.2013
AML Investigator
American Mortgage Lending
07.2010 - 02.2012
Customer Service Rep/Technical Support II
Convergys
05.2009 - 07.2010
Mortgage Underwriter
Sparling Mortgage
01.2006 - 05.2009
Diploma - Diploma
North High School
Associate of Arts -
University of Phoenix
Similar Profiles
VICTORIA CRAVENVICTORIA CRAVEN
Loss Mitigation/Forensic Mortgage Underwriter at Digital RiskLoss Mitigation/Forensic Mortgage Underwriter at Digital Risk
Amy HorningAmy Horning
Senior Mortgage Loan Underwriter at Digital RiskSenior Mortgage Loan Underwriter at Digital Risk
Sussette CabreraSussette Cabrera
Senior Loan Processor at Digital RiskSenior Loan Processor at Digital Risk