Summary
Overview
Work History
Education
Skills
Certification
Additional Information
Work Availability
Accomplishments
Quote
Timeline
Barista

Beth Coppin

Littleton,CO

Summary

Highly analytical and accomplished underwriter with extensive experience in customer service, credit underwriting, mortgage administration, risk mitigation, quality control, and compliance management.

Overview

22
22
years of professional experience
1
1
Certification

Work History

Branch Manager

Family First Funding
08.2022 - 02.2023
  • Conducted detailed investigation of self-employed borrowers across diverse ethnic and religious communities
  • Carried out in- depth research on individual tax returns and group characteristics to enhance income assessment and group understanding
  • Oversaw all aspects related to employee performance management and delivered incentive programs that increased staff engagement and exceeded all team goals
  • Maintained unwavering commitment to compliance and adaptability while navigating evolving guidelines and delivering high-quality work on time
  • Delivered strategic leadership and encouraged a team of seven employees to achieve set goals
  • Achieved sales targets and high customer satisfaction ratings by executing training programs and loan processing procedures
  • Prepared and completed files for purchasable loans by liaising with secondary market, loan officers, and processors.
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Maintained friendly and professional customer interactions.

Conventional Underwriter

Family First Funding
01.2020 - 06.2022
  • Identified and mitigated potential risks through evaluation and finalization of regional conventional retail and wholesale mortgages
  • Delivered additional clarification with accuracy and attained highest quality standards throughout mortgage purchase process while ensuring strict loan compliance with company policies and state/federal regulations
  • Managed over 60 initial reviews and carried out thorough examinations of loan documents to verify borrower, property, and transaction as per company and government standards
  • Led all aspects related to training and mentorship of new hires to boost their knowledge of current procedures.
  • Participated in quality assurance reviews, providing feedback and recommendations to improve underwriting practices.

Underwriter

HCL
06.2019 - 08.2020
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
  • Improved accuracy and efficiency in loan processing and reduced errors/delays by leveraging strong knowledge of lender's procedures and policies as well as state-specific documentation requirements
  • Maintained comprehensive documentation of processes, reports, applications, policies, and procedures, driving strict compliance with State and federal laws and regulations and minimizing compliance risks
  • Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwrites.
  • Decreased processing times with smoother transactions with clear and concise conditions and daily prioritizing while developing and enhancing various skills, including multitasking, effective communication, attention to detail, and time management.

Underwriter

Academy Mortgage
07.2015 - 10.2017
  • Analyzed and approved nationwide FHA, conventional, second mortgage, and bond loans
  • Delivered expert-level guidance to investors, maximizing organizational profits, minimizing risks, diversifying loan portfolio, and optimizing profitability
  • Provided effective support to loan officers and processors in resolving loan application-related issues while offering expert guidance on
  • FHA policies and procedures
  • Coordinated with internal and external stakeholders to manage meticulous underwriting records
  • Strengthened organization's FHA lending capabilities while minimizing risks and maintaining regulatory compliance
  • Achieved FHA Lending authority and deepened expertise in FHA guidelines and documentation review processes to foster loan integrity, strict compliance, and successful secondary market purchases
  • Arranged effective training and development programs for junior underwriters to drive collaborative work environment, streamline loan processing, and contribute to professional development of employees
  • Conducted 45 comprehensive initial reviews and analyses of borrowers' credit, income, and assets to enable data-driven underwriting decisions and decrease likelihood of loan defaults.

Underwriter

Chase Home Mortgage
04.2010 - 08.2013
  • Invested in ongoing education and examinations to deepen expertise in ever-evolving mortgage industry guidelines
  • Performed comprehensive analyses of financial data and executed comprehensive risk assessments to ascertain borrowers' eligibility for mortgage loans
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Collaborated with loan officers, processors, and various departments, guaranteeing timely, error-free processing of applications
  • Negotiated and successfully obtained authorizations for loans of $1M and $250K, facilitating borrowers' access to vital financing and contributing to revenue growth
  • Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.

Underwriter

Wells Fargo Home Loans
12.2000 - 10.2009
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.

Education

Bachelor of Science (BS) - Business Administration & Account Computer Science

Clarion University of Pennsylvania
Clarion
12.1990

Skills

  • Credit Underwriting & Appraisal
  • Credit Analysis & Review
  • Asset & Property Documentation
  • Underwriting Policies & Procedures
  • Compliance & Quality Assurance
  • Continuous Process Improvement
  • Mortgage & Lending Solutions
  • Loss Evaluation & Prevention
  • Risk Assessment & Mitigation
  • Excellent time management skills
  • Team Training
  • High Volume Call Center
  • Customer Issue Resolution
  • Customer Relationships
  • Customer Satisfaction & Retention
  • Technical Proficiencies
  • MS 365 Office Suite (Word, Excel, Adobe, and PowerPoint) and Mortgage Software (Encompass, Byte, Calyx Point, LIS DOS)

Certification

  • Certified FHA Underwriter

Additional Information

The gaps of employment from 2009 to 2020 occurred to attend to an ailing parent.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments

  • Repeatedly received recognition from superiors for excellence in service.
  • Successfully closed an average of 75 loans per month.
  • Used Microsoft Excel to develop spreadsheets to track the income changes, Asset reviews and verify other information is within the guidelines.
  • Documented and resolved discrepancies within the loan which led to an accurate decision.

Quote

Good, Better and Best. Never let it rest until your good is better and better is best.
St. Jerome

Timeline

Branch Manager

Family First Funding
08.2022 - 02.2023

Conventional Underwriter

Family First Funding
01.2020 - 06.2022

Underwriter

HCL
06.2019 - 08.2020

Underwriter

Academy Mortgage
07.2015 - 10.2017

Underwriter

Chase Home Mortgage
04.2010 - 08.2013

Underwriter

Wells Fargo Home Loans
12.2000 - 10.2009

Bachelor of Science (BS) - Business Administration & Account Computer Science

Clarion University of Pennsylvania

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Beth Coppin