BANESSA WASILEWSKI

Detail-oriented Mortgage Loan Underwriter with extensive experience in financial services and a solid track record in FHA, VA, USDA/RD, Fannie Mae, and Freddie Mac guidelines. Consistently achieves high productivity with zero audit findings while meeting strict deadlines, underlining a commitment to quality and compliance.

• Ranked Top Producer across underwriting teams at multiple institutions.
• Maintained 95%+ productivity with zero quality audit findings.
• Earned multiple 'Exceeds Expectations' performance ratings.
• Reduced loan turnaround times through workflow and efficiency improvements.
• Trained and mentored junior underwriters and processors for 5+ years.
• Balanced loan-volume growth with underwriting quality to reduce portfolio risk.

• Accounting Clerk, HOA Accounting Inc., 10/01/23, Present, Prepare financial reports and reconciliations with a high level of detail and accuracy., Analyze income, cash flow, and financial data to support eligibility and compliance reviews., Maintain QuickBooks records, ensuring audit readiness and data integrity., Collaborate cross-functionally to align financial documentation and reporting standards.
• Accounts Receivable Analyst, Kelly Services – Cummins, 08/01/24, 03/31/25, Managed customer accounts and resolved payment discrepancies., Processed customer payments and prepared accurate account statements., Conducted root-cause analysis to improve payment workflows., Assisted in month-end close and reporting activities.

• Mortgage Underwriter II, PNC Bank, 07/01/20, 09/30/23, Reviewed mortgage loan applications for compliance with FHA, VA, Fannie Mae, Freddie Mac, and Non-QM guidelines., Performed pre-purchase quality control reviews to ensure loan file accuracy and regulatory conformity., Analyzed borrower credit, income, assets, tax returns, appraisals, and title documentation., Verified automated underwriting findings and ensured accurate data entry in the loan origination system., Determined underwriting actions and issued commitments and conditions., Communicated regularly with lenders, processors, and internal teams to obtain documentation and resolve conditions., Maintained 95% productivity with zero audit findings while meeting strict deadlines., Trained and mentored junior underwriters, improving file quality and throughput., Earned Exceeds Expectations ratings for productivity, quality, flexibility, and teamwork.
• Mortgage Underwriter, JPMorgan Chase, 04/01/17, 06/30/20, Conducted underwriting reviews for FHA, VA, Conventional, and Non-QM loans., Verified income, assets, and credit documentation for eligibility and compliance., Reviewed automated underwriting findings and validated loan file accuracy., Performed quality assurance reviews to reduce resubmissions and audit findings., Issued underwriting decisions and commitments in compliance with investor guidelines., Maintained high-volume pipelines in a deadline-driven environment., Consistently exceeded production quotas and ranked as Top Producer., Maintained 95% productivity with zero audit findings.
• Loan Processor, BBMC Mortgage, 05/01/16, 01/31/17, Prepared and reviewed loan files for underwriting submission., Verified borrower documentation for accuracy and completeness., Communicated with brokers, lenders, and borrowers to resolve conditions., Tracked loan progress using Encompass LOS., Supported underwriting and post-closing operations.