Hi, I’m
ANTOINETTE GANISON
Cheyenne,WY
Summary
Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.
Overview
17
years of professional experience
Work History
Western Vista Federal Credit Union
UNDERWRITER
07.2022 - Current
Job overview
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process
- Made approval and denial recommendations by determining accurate risk levels.
- Built strong relationships with lenders, brokers and clients for constructive communications
- Examined credit reports, financial statements and tax returns to determine repayment capability
- Ascertained application viability by verifying collateral values, title reports and appraisals
- Documented underwriting decisions and provided evidence of compliance with applicable regulations
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications
Wallick And Volk Mortgage Banker
SENIOR MORTGAGE LOAN PROCESSOR
06.2016 - 06.2022
Job overview
- Processed mortgage loan applications accurately and successfully for over 15 years
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Process conventional, VA, FHA loans in timely manner
- Review appraisals to meet SSR
- Review DU/ LP to guidelines
- Provided advice and guidance to assigned businesses on implementation of solutions.
First Interstate Bank
MORTGAGE UNDERWRITER
05.2014 - 06.2016
Job overview
- Determined credit risks by reviewing les in advance and comparing data against internal checklists and guidelines
- Make careful determinations based on skilled analyzing and verifying loan applications, evaluating financial risks and making decisions on eligibility for applicant
- Worked with processing team members to communicate errors and obtain missing information for current applications
- Manage pipeline for Conventional, USDA, VA, FHA les and review compliance for quality control review.
Platte Valley Bank
MORTGAGE OPERATIONS MANAGER
02.2006 - 01.2014
Job overview
- Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter
- Complied with established internal controls and policies.
- Established and enforced internal controls, work flow and policies for tracking, reconciling and reporting on accounting activities
- HMDA reports
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients
Education
Front Range Community College
Some College (No Degree) from Business Administration
Skills
- Risk management
- Time management
- Data analysis
- Planning and Coordination
- Business Development
- Attention to Detail
- Teamwork and Collaboration
- Self-Motivated
- Good Telephone Etiquette
Timeline
UNDERWRITER
Western Vista Federal Credit Union
07.2022 - Current
SENIOR MORTGAGE LOAN PROCESSOR
Wallick And Volk Mortgage Banker
06.2016 - 06.2022
MORTGAGE UNDERWRITER
First Interstate Bank
05.2014 - 06.2016
MORTGAGE OPERATIONS MANAGER
Platte Valley Bank
02.2006 - 01.2014
Front Range Community College
Some College (No Degree) from Business Administration
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