Apryl Neal
Chandler,AZ
Summary
Professional with a strong background in mortgage underwriting. Skilled in risk assessment, loan analysis, and regulatory compliance. Strong focus on team collaboration and achieving results in a fast-paced environment. Reliable and adaptable with excellent analytical and communication skills.
Overview
12
12
years of professional experience
Work History
Mortgage-Underwriter
BMO Harris Bank NA Formerly Bank of the West
04.2018 - Current
- Promoted to Underwriter from Processing Specialist in July 2020
- Analyzed and verified applicant income, assets, and credit history to support compliance with underwriting guidelines.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Collaborated with loan officers to clarify application details, enhancing the accuracy of initial submissions.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Reduced loan approval times, analyzing borrower's financial status, credit, and property evaluations to meet tight deadlines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
Senior Jumbo Loan Processor
Movement Mortgage
01.2017 - 04.2018
- Set up and completed loan submission packages.
- Processed Conventional High Balance & Non-Conforming loan products for the West Coast region (including Alaska & Hawaii)
- Implemented the 14-day Movement Mortgage process to ensure the loan exceeds close of escrow expectations
- Facilitated communication with loan applicants, underwriters, and loan officers to optimize processes and maintain updated information.
- Facilitated training sessions for new staff on loan processing procedures, improving team efficiency and accuracy.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
Senior Loan Processor
Guild Mortgage
04.2015 - 12.2016
- Process Conforming, Non-Conforming, FHA, VA, USDA, DPA & 203K loan programs throughout the California, Rocky Mountain & Southwest regions
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Mentored new hires within the loan processing team, fostering a culture of knowledge sharing and continuous improvement.
Senior Loan Processor
Universal American Mortgage Company
10.2012 - 01.2014
- Worked with customers via telephone to answer questions, process transactions, and resolve issues.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Evaluated approvals against established bank and government lending standards.
- Handled any conditions sent from underwriting departments.
- Collaborated with the underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
Education
Bachelor of Arts - General Studies
University of Arizona
Tucson, AZ 05-2013
Skills
- Documentation review
- Residential mortgage lending regulations
- Loan evaluation
- Underwriting guidelines
- Loan origination software
- Problem-solving abilities
- Multitasking
- Self-motivation
- Time management abilities
- Teamwork and collaboration
- Attention to detail
Additional Information
March of Dimes Premature Campaign Spokesperson & Committee member, 2010-2015
Board Member, University of Arizona Wildcat Leadership Council, 2012-2016
President, University of Arizona Black Alumni Club - Phoenix, 2010-2016
Member of the University of Arizona Women's Basketball Team, 1989-2003
Timeline
Mortgage-Underwriter
BMO Harris Bank NA Formerly Bank of the West
04.2018 - Current
Senior Jumbo Loan Processor
Movement Mortgage
01.2017 - 04.2018
Senior Loan Processor
Guild Mortgage
04.2015 - 12.2016
Senior Loan Processor
Universal American Mortgage Company
10.2012 - 01.2014
Bachelor of Arts - General Studies
University of Arizona
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