Summary
Overview
Work History
Education
Skills
Timeline
Generic

Breanna Godinez

Lubbock,Texas

Summary

Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as a skilled Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.

Overview

9
9
years of professional experience

Work History

Consumer Mortgage Underwriter

Prosperity Bank
03.2019 - Current
  • Evaluated 2-4 loan applications daily while determining creditworthiness, assessing risk and establishing loan conditions.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Maintained mortgage program compliance with federal agencies such as FMCC and FNMA.
  • Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
  • Verified integrity of applicants' information to minimize fraud.

Consumer Non-RE Underwriter

Prosperity Bank
11.2016 - 03.2019
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Developed and maintained relationships with customers, lenders and other third parties.

Member Service Representative

Alliance Credit Union
04.2016 - 11.2016
  • Helped large volume of members every day with positive attitude and focus on customer satisfaction.
  • Handled complaints with prompt, courteous service to uphold professional reputation.
  • Educated and engaged members with new bank products and services.
  • Responded to member calls and emails to answer questions about products and services.
  • Opened member accounts and provided deposit and withdrawal receipts.
  • Verified member identification and documentation for compliant transactions.
  • Assisted members with correcting account, service, and system issues by educating on required forms and technical processes.

Customer Service Representative

Prosperity Bank
08.2014 - 04.2016
  • Handled customer inquiries and suggestions courteously and professionally.
  • Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
  • Answered constant flow of customer calls with minimal wait times.
  • Maintained accurate records of customer transactions in line with bank procedures.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.

Education

High School Diploma -

Frenship High School
Wolfforth, TX
06.2012

Some College (No Degree) - Human Development And Family Studies

Texas Tech University
Lubbock, TX

Skills

  • LTV Calculations
  • Application Analysis
  • Debt-to-Income Ratios
  • Income Evaluation
  • Loan File Maintenance
  • Jumbo and Super Jumbo Loans
  • Asset Statements
  • Credit History Review
  • Attention to Detail
  • Creditworthiness Determination

Timeline

Consumer Mortgage Underwriter

Prosperity Bank
03.2019 - Current

Consumer Non-RE Underwriter

Prosperity Bank
11.2016 - 03.2019

Member Service Representative

Alliance Credit Union
04.2016 - 11.2016

Customer Service Representative

Prosperity Bank
08.2014 - 04.2016

High School Diploma -

Frenship High School

Some College (No Degree) - Human Development And Family Studies

Texas Tech University

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Breanna Godinez