ANNA KUJAWA
AWM Associate
Franklin Park,Illinois
Summary
Results-driven professional with solid background in delivering impactful solutions. Proven track record in fostering team collaboration and adapting to changing needs. Skilled in strategic planning, project management, and client relations. Known for reliability, strong analytical abilities, and excellent communication skills.
Overview
31
31
years of professional experience
Work History
Quality Assurance Analyst / AWM Associate
J.P. Morgan Chase Bank
05.2015 - Current
- Reduced internal risk exposure by conducting thorough audits of mortgage loans for high-net-worth clients
- Identified control weaknesses and documented findings in the Aces database.
- Supported the company in maintaining a work environment focused on quality, communication, collaboration, integration, and teamwork.
- Provided valuable insights to management by analyzing policies and operations and recommending process improvements.
- Participated in special projects, such as HMDA reviews, credit decision reviews, checklist updates, and file completeness reviews to support organizational goals.
Senior Mortgage Underwriter
J.P. Morgan Chase Bank
05.2010 - 05.2015
- Managed a diverse portfolio of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, business and consumer tax returns, financial statements, and assets
- Contributed to developing departmental guidelines and procedures by actively participating in meetings and sharing expertise as needed.
- Upheld data privacy standards by securely handling confidential client information during the underwriting process.
- Reviewed appraisals to ensure the collateral supports the loan
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower's creditworthiness and risk factors.
- Coached individuals on the UW Support team and junior underwriters
- Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success. Extra assignment (6 months): executed commitment, counteroffers, and denial letters Special Project (18 months): developed, implemented, and tested the new origination system
- Collaborated with multiple departments for a seamless loan approval process, ensuring all necessary information was accurately documented and communicated.
Senior Analyst Commercial Lending
American Street Capital
01.2009 - 09.2010
- Underwrote and processed loan applications for commercial RE loans and business loans
- Followed Lender’s registration requirements (local, national, and Fannie Mae) to obtain Letters of Intent—packaged credit files for submission to Lenders
- Nurtured strong working relationships with clients, ensuring their needs were met while exceeding expectations on deliverables.
- Attended site visits to inspect multi-family properties
- Facilitated smooth communication between all parties involved in transactions, resulting in successful loan closings and satisfied clients.
- Conducted research to answer questions and handle issues using multiple systems and resources.
- Cultivated a vast network of professional contacts, increasing referral business and expanding client base over time.
Senior Underwriter/Credit Analyst
Ciena Commercial Real Estate, LLC
05.2008 - 09.2008
- Developed underwriting guidelines and procedures to support a GSE-sponsored Small Balance Multifamily lending program
- Supported due diligence process to originate Fannie Mae loans
- Guided prospective vendors
- Trained staff members
Senior Multi-Family Underwriter
LaSalle Bank/Bank of America
09.2003 - 04.2008
- Nationwide lending program (loan sizes $500,000 to $5 Million) for single-asset multifamily, mixed-use properties, and manufactured housing communities
- Completed an internal credit training program to progress to the underwriting role
- Prepared written loan presentations (approx
- 160 per year) required to assess credit risk and recommended an appropriate decision to the Credit Officers
- Provided superior customer service while performing financial analysis and loan sizing, working under a 24-hour turnaround at the initial application stage
- Projected customer's ability to repay by analyzing Financial Statements, Credit Reports, Tax Returns, management experience, and other documentation
- Performed debt service analysis by reviewing the Property’s Operating Statements and market conditions
- Reviewed third-party reports such as Appraisal Reports, Initial Site Inspection reports, Property Condition Assessments, and Environmental Reports to determine the condition and value of the Collateral
- Communicated with Vendors to resolve issues
- Reviewed Title Commitment and Legal Documents for Borrowing Entity
- Trained and coached junior underwriters
- Assisted with several loan sales and securitization projects
- Participated in the implementation and testing of the new origination system
Underwriting Administrative Assistant
LaSalle Bank/Bank of America
01.1998 - 08.2003
- Provided administrative support to the Credit Manager and team of Multi-Family Underwriters
- Prepared reports, memos, forms, meeting agendas and minutes, and other projects as assigned by the Manager
- Prepared, proofread, and distributed Wholesale and Retail approval, denial, and cancellation letters with great accuracy and timeliness
- On a divisional basis, monitored and audited the HMDA compliance process
- Maintained the HMDA database
- Provided feedback to individual Team Members
- Provided a quarterly report of variances to the HMDA Manager
- Participated in ongoing learning opportunities related to underwriting practices which led to increased expertise.
Administrative Assistant
LaSalle Bank/Bank of America
11.1995 - 12.1997
- Provided administrative support to the Vice President and 7 Relationship Bankers
- Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.
- Answered inquiries regarding Bank products and services
- Made referrals to the appropriate bank departments and made sales referrals
- Worked as part of the team, resolving customer problems to maintain strong customer relationships that resulted in repeat business and sales
- Increased Safe Deposit Box sales while responsible for Safe Deposit Vault operation
- Handled assignments independently with good judgement and critical thinking skills.
Mortgage Loan Processor
03.1995 - 10.1995
- Followed Lender’s guidelines when verifying and ordering necessary documentation and submitted fully processed files to Underwriting
- Effectively managed a large pipeline of files to meet clients’ deadlines
- Prepared residential mortgage files for closing and conferred with mortgage applicants, brokers, and attorneys to obtain needed documentation
Front Office Administration/Executive Support
09.1993 - 02.1995
- Provided administrative support to the Vice President
- Assisted with the efficient operation of the Origination Team
- Handled 30-phone line system, screened incoming calls, took and transmitted messages
- Managed incoming/outgoing mail
- Stocked and inventoried office equipment and supplies
- Coordinated repairs and maintenance of the building
- Completed and submitted Account Payable vouchers and kept office records
Education
Bachelor’s Degree - Business Administration
University of Illinois At Chicago, 2025
Chicago, IL 08.2021 - 12.2025
Associate Degree - General Studies
Triton College
River Grove, IL 08.2014 - 05.2025
The State College of Shorthand And Foreign Languages
WarsawNo Degree - Courses
Appraisal Institute
Chicago 05.2001 -
Skills
Commercial lending, Residential lending, Risk controls
Written communication, Oral communication, Presentation skills
Customer service, Relationship building
Analytical skills, Problem-solving skills
Expert judgment, Attention to detail
Microsoft Suite
Timeline
Bachelor’s Degree - Business Administration
University of Illinois At Chicago, 2025
08.2021 - 12.2025
Quality Assurance Analyst / AWM Associate
J.P. Morgan Chase Bank
05.2015 - Current
Associate Degree - General Studies
Triton College
08.2014 - 05.2025
Senior Mortgage Underwriter
J.P. Morgan Chase Bank
05.2010 - 05.2015
Senior Analyst Commercial Lending
American Street Capital
01.2009 - 09.2010
Senior Underwriter/Credit Analyst
Ciena Commercial Real Estate, LLC
05.2008 - 09.2008
Senior Multi-Family Underwriter
LaSalle Bank/Bank of America
09.2003 - 04.2008
No Degree - Courses
Appraisal Institute
05.2001 -
Underwriting Administrative Assistant
LaSalle Bank/Bank of America
01.1998 - 08.2003
Administrative Assistant
LaSalle Bank/Bank of America
11.1995 - 12.1997
Mortgage Loan Processor
03.1995 - 10.1995
Front Office Administration/Executive Support
09.1993 - 02.1995
The State College of Shorthand And Foreign Languages
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