ARACELI DAVIS
Riverview,FL
Summary
Bilingual Mortgage Loan Specialist offering 20 + years of expertise. Astute and methodical Mortgage Underwriter with significant background working with retail as well as whole market. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Underwriter offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Caliber Home Loans
Tampa, FL
01.2021 - Current
- Conventional, Refinance, New construction loans, Large loans.
- Develops and maintains up to date and sound knowledge of multiple loan product guidelines offered by company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions
Small Business Underwriting Quality Assurance
Bank of America
Tampa, FL.
07.2012 - 01.2021
- Proficiency Coach- Primary duties Analyze credit quality and compliance defects to identify tall bars
- Create, maintain, and deploy coaching materials to enhance associates skillset and close knowledge gaps
- Assist with communication and roll out of key changes in support of credit/quality/compliance projects and initiatives.
- Developed team communications and information for meetings
- Handled 30 calls per day to address customer inquiries and concerns
Assistant Manager, Officer
First Mortgage
Tampa, FL
04.2019 - 08.2020
- Addressed emergency situations encountered following policies, procedures and strategies.
- Reduced financial discrepancies by monitoring credit card sales and deposits.
Senior Mortgage Processor HSS III
First Mortgage High Net Worth
Tampa, Florida
11.2017 - 04.2019
- Review client eligibility for home loan by processing of income, credit, home insurance, Title, property taxes, and appraisals documents.
Senior Mortgage Processor
Home Equity Merrill, High
Tampa, Florida
08.2017 - 11.2017
- Review clients eligibility for home loan by processing of income, credit, home insurance, title, property taxes, and appraisals documents provided.
Senior Mortgage Loan Processor
Home Equity Fulfillment
Tampa, Florida
11.2013 - 08.2017
- Review client eligibility of home loan by processing of income, credit, home insurance, Title, property taxes, and appraisals documents.
HSS Mortgage Specialist
Bank Of America
Tampa, Florida
10.2012 - 11.2013
- Review client eligibility of home loan by processing of income, credit, home insurance, Title, property taxes, and appraisals documents.
Analyst II
Bank Of America
Tampa, FL
07.2012 - 10.2012
- Analyzed program data to provide input for key decision making and strategic planning.
Senior Mortgage Specialist
HSBC Mortgage Services
Tampa, United States
06.2006 - 07.2012
- Loss mitigation, Short-sale and Foreclosure clientele
Education
Bachelors’ of Science -
International Academy of Design
2006
Skills
- Loan File Maintenance
- Problem Solving
- Product Education
- Complaint Handling
- Income Evaluation
- Credit History Review
- Automated Underwriting System (AUS)
- Attention to Detail
- Creditworthiness Determination
- Active Listening and Learning
- Complex Problem Solving
- Fraud Detection and Prevention
- Oral and Written Comprehension
- Loan Portfolio Monitoring
- NMLS Registration
Certification
Certified LEAD for WOMEN Group
Timeline
Mortgage Underwriter
Caliber Home Loans
01.2021 - Current
Assistant Manager, Officer
First Mortgage
04.2019 - 08.2020
Senior Mortgage Processor HSS III
First Mortgage High Net Worth
11.2017 - 04.2019
Senior Mortgage Processor
Home Equity Merrill, High
08.2017 - 11.2017
Senior Mortgage Loan Processor
Home Equity Fulfillment
11.2013 - 08.2017
HSS Mortgage Specialist
Bank Of America
10.2012 - 11.2013
Small Business Underwriting Quality Assurance
Bank of America
07.2012 - 01.2021
Analyst II
Bank Of America
07.2012 - 10.2012
Senior Mortgage Specialist
HSBC Mortgage Services
06.2006 - 07.2012
Bachelors’ of Science -
International Academy of Design
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