B J Definis

• Excellent communication skills, both verbal and written.
• Completed journal entries, reconciliations, and account analysis to prepare quarterly financial documents and general account management.
• Introduced internal controls to monitor critical areas of financial control and devised fiscal budgets for corrective actions to address risks or deficiencies.
• Used Microsoft Excel and Quickbooks to prepare external audit documentation and financial reports to assist management in operational planning and key decision making.

• Verified integrity of applicants' information to minimize
fraud.
• Determined credit risks by reviewing files in advance and
comparing data against internal checklists and guidelines.
• 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.
• Maintained mortgage program compliance with federal
agencies such as VA, HUD and FNMA.Determined credit risks by reviewing files in advance and
comparing data against internal checklists and guidelines.

• Checked personal and team calculations to validate information and underwriting decisions
• Trained junior team members in underwriting procedures
and loan quality grading standards.
• Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
• Worked with processing team members to communicate
errors and obtain missing information for current
applications.
• Reviewed Financial Statements, Business Tax Transcripts
and Returns for Self Employed analysis

• Checked personal and team calculations to validate information and underwriting decisions.
• Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
• Met all timelines consistently, turning around applications quickly with firm approval or denial decisions.
• Monitored pipelines to track and log status of loans.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.

• Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
• Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
• Originated, reviewed, processed, closed, and administered customer loan proposals.
• Recommended loan approvals and denials based on customer loan application reviews.
• Developed and implemented marketing campaigns to attract new customers.
• Developed and maintained relationships with customers, lenders and other third parties.