APRIL A. YOUNG
Pensacola,FL
Summary
Credit and mortgage underwriting professional with 10+ years of experience in risk analysis, loan production, and regulatory compliance. Proven ability to streamline workflows, mitigate risk, and support high-performing teams. Strong analytical mindset with a focus on accuracy, efficiency, and collaboration.
Overview
1
1
Certification
13
13
years of professional experience
Work History
Front Desk Agent
Holiday Inn Express Hotel
08.2026 - Current
- Managed guest check-in and check-out processes efficiently, ensuring smooth arrival and departure experiences.
- Provided exceptional customer service, addressing inquiries and resolving issues promptly to enhance guest satisfaction.
- Coordinated room assignments and maintained accurate reservation records, optimizing occupancy rates.
- Assisted in training new front desk staff, promoting adherence to hotel policies and procedures.
Forensic Credit Underwriter
Navy Federal Credit Union
01.2018 - 09.2025
- Performed detailed credit analysis for consumer and mortgage loans
- Evaluated borrower risk, income, assets, and collateral
- Ensured compliance with Fannie Mae, Freddie Mac, FHA, and VA guidelines
- Partnered cross-functionally to resolve conditions and accelerate approvals
- Delivered underwriter-ready files, reducing loan cycle times
- Contributed to workflow and efficiency improvements
Mortgage Production Supervisor
Navy Federal Credit Union
01.2014 - 03.2018
- Led a 15-member mortgage processing team
- Improved turnaround times through process optimization
- Trained staff on compliance, customer service, and risk mitigation
- Maintained production quality and regulatory adherence
- Served as Subject Matter Expert on mortgage guidelines
Education
Bachelor of Business Administration (BBA) - Marketing Minor
University of West Florida
Pensacola, FLSkills
- Credit & Risk Analysis
- Mortgage Underwriting
- Regulatory Compliance
- Team Leadership
- Process Improvement
- Loan Origination Systems (Empower)
Accomplishments
- Asked by hotel manager to handle concierge duties due to high level of professionalism and attention to detail when that individual was out sick for a week.
- Oversaw reservation payments via credit card and cash and had zero errors.
- Assisted concierge with special projects, completing tasks ahead of schedule.
Certification
NMLS #643385
ADDITIONAL EXPERIENCE
- Mortgage Loan Reviewer | Mortgage Processor III | Equity Processor/Closer
- Progressive roles in mortgage operations, underwriting support, and compliance.
Timeline
Front Desk Agent
Holiday Inn Express Hotel
08.2026 - Current
Forensic Credit Underwriter
Navy Federal Credit Union
01.2018 - 09.2025
Mortgage Production Supervisor
Navy Federal Credit Union
01.2014 - 03.2018
Bachelor of Business Administration (BBA) - Marketing Minor
University of West Florida