Aprille A Schmitz
First State Mortgage Services
Normal,Il
29
years of professional experience
Qualified underwriter with extensive experience in underwriting complex financial products. Proven track record in assessing risk and making sound recommendations that align with company objectives. Demonstrated proficiency in risk analysis and decision-making, ensuring optimal financial outcomes.
Work History
Sr Underwriter
17 Years 4 Months- Evaluated mortgage applications to assess risk and compliance with lending policies.
- Collaborated with loan officers to streamline underwriting processes and improve turnaround times.
- Mentored junior underwriters on best practices and complex case evaluations.
- Conducted detailed financial analyses to determine borrower eligibility for loan products.
Underwriter Associate Sr
3 Years 8 Months- Evaluated mortgage loan applications using current underwriting guidelines to ensure compliance and risk management
- Evaluated loan applications to authorize lending decisions up to $1.5 million.
- Obtained FHA DE and VA LAPP designations to enhance underwriting expertise and expand lending capabilities
Sr Government Underwriter
4 Years 1 Month- Served as primary government underwriter for retail and wholesale divisions, ensuring compliance and risk management
- Approved conventional underwriting for all investors, facilitating seamless transactions and adherence to standards
- Evaluated loan applications and assessed borrower creditworthiness to determine risk levels.
- Collaborated with loan officers to gather necessary documentation for underwriting processes.
- Analyzed financial statements and credit reports to ensure compliance with lending guidelines.
Mortgage Underwriter II
3 Years- Granted underwriting authority for conforming and portfolio products
- Granted underwriting authority for government loan programs such as FHA, VA, IHDA, and USDA
- Analyzed borrower financial information to determine loan eligibility and risk factors.
- Reviewed mortgage applications for completeness and compliance with underwriting guidelines.
- Collaborated with loan officers to clarify documentation requirements and expedite approvals.
Education
Bachelor of Science - Finance
College of Commerce and Business Administration
Skills
Risk assessment
Analyzing data
Training and mentoring
Relationship building
Risk assessment
Credit analysis
Risk management
Accomplishments
- Earned designations as FHA DE underwriter
- VA SAR
Timeline
Sr Underwriter
First State Mortgage Services
04.2009 - CurrentRead More
Underwriter Associate Sr
Countrywide Bank, FSB
08.2005 - 04.2009Read More
Sr Government Underwriter
Mortgage Services, Inc.
07.2001 - 08.2005Read More
Mortgage Underwriter II
National City Mortgage Services
01.1998 - 01.2001Read More
University of Illinois
Bachelor of Science from Finance
Read More