Berkley Nges
Houston,TX
Summary
Dynamic mortgage underwriter with extensive experience at Smart Financial Credit Union, adept at evaluating loan applications and mitigating risks. Proven track record in enhancing underwriting efficiency and ensuring compliance with FNMA guidelines. Strong decision-making and conflict resolution skills, consistently achieving high customer satisfaction and improving turnaround times.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Correctional Officer
Texas Department Of Criminal Justice
04.2024 - Current
- Monitored inmate activities to ensure compliance with regulations and safety protocols.
- Conducted regular inspections of facilities to identify potential security breaches or hazards.
- Documented inmate behavior and incidents accurately to maintain detailed reports for review.
- Assisted in the implementation of rehabilitation programs to promote positive inmate engagement.
Senior Mortgage Underwriter
Smart Financial Credit Union-Member NCUA, Equal Housing Lender
02.2022 - 02.2024
- Evaluated loan applications for creditworthiness and compliance with underwriting guidelines.
- Analyzed borrower financial documents to assess risk and determine approval eligibility.
- Collaborated with mortgage loan officers to resolve issues and streamline the underwriting process.
- Reviewed appraisals and property valuations to ensure alignment with loan amounts.
- Manage a team of 3 underwriters
- Update Lender underwriting policy in line with current mortgage state regulations.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Ensured adherence to regulatory standards, reducing potential compliance risks in underwriting processes.
- Developed strategies for improving turnaround times on loan applications without compromising quality.
- Provided mentorship to junior underwriters, enhancing team performance and knowledge sharing.
- Balanced competing priorities and managed a high volume of work, consistently meeting or exceeding performance metrics for approval rate, turnaround time, and loan quality.
- Developed strong relationships with clients, realtors, and other stakeholders to facilitate smooth communication throughout the mortgage process.
- Managed a diverse portfolio of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
- Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Utilized underwriting software to document decisions and maintain accurate records of transactions.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Played a key role in reducing delinquencies by recommending appropriate modifications or workout plans for borrowers experiencing financial hardship.
- Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
- Manage KPI's
- Evaluated loan requests and documents to verify accuracy and completeness.
- Developed and maintained relationships with customers, lenders and other third parties.
Senior Mortgage Underwriter
Flyhomes Inc
01.2021 - 01.2022
- Evaluated loan applications for compliance with underwriting guidelines and risk assessment protocols.
- Analyzed borrower credit reports to determine eligibility for mortgage products and services.
- Collaborated with loan officers to resolve application discrepancies and streamline approval processes.
- Reviewed financial documentation to ensure accuracy and completeness of mortgage packages.
- Implemented process improvements that enhanced underwriting efficiency and reduced turnaround times.
- Mentored junior underwriters on best practices in risk evaluation and decision-making processes.
- Conducted training sessions on new regulatory changes affecting underwriting standards and practices.
- Developed comprehensive reports outlining underwriting decisions to support management review and compliance audits.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Collaborated with mortgage loan officers to resolve issues and streamline the underwriting process.
- Utilized underwriting software to document decisions and maintain accurate records of transactions.
Mortgage Underwriter
Wells Fargo
11.2019 - 01.2021
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Supported compliance with federal and state regulations by keeping abreast of changes and updating underwriting procedures accordingly.
- Streamlined underwriting processes, incorporating automated systems to reduce manual entry errors and increase efficiency.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Developed and maintained relationships with investors to drive compliance with guidelines.
- Facilitated training sessions for new underwriters, elevating team knowledge on current lending practices and regulations.
- Improved loan approval rates by meticulously reviewing and verifying application documentation.
- Strengthened relationships with real estate professionals, providing timely and accurate information to facilitate smoother transactions.
- Advanced underwriting department's capabilities by introducing data analytics for more precise risk evaluation.
- Assessed loan portfolios for compliance with underwriting policies.
- Fostered culture of continuous improvement, regularly reviewing and updating underwriting criteria to reflect changing market conditions.
- Ensured integrity of loan portfolios by conducting thorough due diligence on high-risk loan applications.
- Improved team productivity with development and implementation of standardized underwriting guidelines.
Education
Master of Science - Data Science
University of Phoenix
Tempe, AZ03-2026
Bachelor of Science - Banking And Finance
University of Phoenix
Tempe, AZ03-2018
Skills
- First aid training
- Emergency response
- De-escalation techniques
- Conflict resolution skills
- Correctional facility procedures
- Inmate supervision
- Strong decision-making
- FNMA guidelines
- Debt-to-income ratios
- Residential loans
- LTV calculations
- Encompass
- SQL, Python
- Loan underwriting expertise
- Escrow account management
- Application analysis
- Jumbo and super jumbo loans
- Quality control measures
- Collateral evaluation
Accomplishments
- Supervised team of 3 staff members.
- Collaborated with team of 6 in the development of Mortgage portfolio Audits.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Achieved 0.08% audits through effectively helping with underwriting files.
- Resolved product issue through consumer testing.
- Achieved high profits by introducing Encompass for underwriting tasks.
Certification
- Certified mortgage Underwriter
- Licensed mortgage underwriter
Languages
English
Full Professional
French
Full Professional
Timeline
Correctional Officer
Texas Department Of Criminal Justice
04.2024 - Current
Senior Mortgage Underwriter
Smart Financial Credit Union-Member NCUA, Equal Housing Lender
02.2022 - 02.2024
Senior Mortgage Underwriter
Flyhomes Inc
01.2021 - 01.2022
Mortgage Underwriter
Wells Fargo
11.2019 - 01.2021
Master of Science - Data Science
University of Phoenix
Bachelor of Science - Banking And Finance
University of Phoenix