Hi, I’m
Bridget Siess
Valley Park,MO
“Is fearr lúbadh ná briseadh.”
Translation: It’s better to bend than to break.
Irish Proveb
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
27
years of professional experience
1
Certificate
Work History
AnnieMacMount Laurel, NJ
Underwriter IV
05.2025 - Current
Job overview
- Conducted comprehensive evaluations of loan applications to determine their creditworthiness, risk variables and qualification for endorsement.
- Analyzed financial information of applicants such as income, assets, liabilities and credit history.
- Ensured accuracy of various documents including income statements, tax returns, bank statements, and related paperwork.
- Established effective lines of communication with lenders, brokers, and other external partners to facilitate smooth transactions.
- Current designation of FHA DE, VA SAR/LAPP, and CRU.
- Worked with the LOS system, Encompass
GenWay Home MortgageFrisco, TX
Senior Mortgage Underwriter
09.2024 - 05.2025
Job overview
- Conducted comprehensive evaluations of loan applications to determine their creditworthiness, risk variables and qualification for endorsement.
- Analyzed financial information of applicants such as income, assets, liabilities and credit history.
- Ensured accuracy of various documents including income statements, tax returns, bank statements, and related paperwork.
- Established effective lines of communication with lenders, brokers, and other external partners to facilitate smooth transactions.
- Current designation of FHA DE, VA SAR/LAPP, and CRU.
- Worked with the LOS system, Encompass
Freedom Mortgage CorporationBoca Raton, FL
Senior Mortgage Underwriter
02.2024 - 09.2024
Job overview
- Conducted comprehensive evaluations of loan applications to determine their creditworthiness, risk variables and qualification for endorsement.
- Analyzed financial information of applicants such as income, assets, liabilities and credit history.
- Ensured accuracy of various documents including income statements, tax returns, bank statements, and related paperwork.
- Established effective lines of communication with lenders, brokers, and other external partners to facilitate smooth transactions.
- Current designation of FHA DE, VA SAR/LAPP, and CRU.
- Worked with the LOS system, Lakewood.
Valley Park Elementary SchoolValley Park, MO
Recess Supervisor
09.2023 - 02.2024
Job overview
- Supervised and monitored recess activities to ensure safety and appropriate behavior.
- Enforced school rules and regulations during the recess period.
- Provided a positive, encouraging atmosphere for students while on the playground.
- Assisted with student conflict resolution during recess time.
Cardinal Financial CompanyCharlotte, NC
Underwriter IV
08.2019 - 08.2023
Job overview
- Conducted comprehensive evaluations of loan applications to determine their creditworthiness, risk variables and qualification for endorsement.
- Analyzed financial information of applicants such as income, assets, liabilities and credit history.
- Ensured accuracy of various documents including income statements, tax returns, bank statements, and related paperwork.
- Established effective lines of communication with lenders, brokers, and other external partners to facilitate smooth transactions.
- Worked with LOS: Octane.
- During my time at Cardinal, I spent a year or so creating and establishing a help desk for the client advocates and account executives to have 'a second set of eyes and to provide alternatives' to conditions. This was not to 'overstep' the underwriter, but to provide avenues to clear conditions with alternative documentation.
Mr. Cooper formerly Pacific UnionDallas, TX
Senior Remote Underwriter
03.2017 - 08.2019
Job overview
- Conducted comprehensive evaluations of loan applications to determine their creditworthiness, risk variables and qualification for endorsement.
- Analyzed financial information of applicants such as income, assets, liabilities and credit history.
- Ensured accuracy of various documents including income statements, tax returns, bank statements, and related paperwork.
- Established effective lines of communication with lenders, brokers, and other external partners to facilitate smooth transactions.
- Worked with LOS: MAX
- Just prior to leaving Mr. Cooper I was promoted to team lead.
Finance of America formerly American EquitySt Louis, MO
Senior Underwriter
12.2008 - 03.2017
Job overview
- Conducted comprehensive evaluations of loan applications to determine their creditworthiness, risk variables and qualification for endorsement.
- Analyzed financial information of applicants such as income, assets, liabilities and credit history.
- Ensured accuracy of various documents including income statements, tax returns, bank statements, and related paperwork.
- Worked with LOS: NetOxygen
- During my tenure with American Equity mortgage, I was a processor, processor II, underwriter, trainer, assistant manager for secondary marketing and an auditor.
Alliance Credit UnionFenton, MO
Mortgage Clerk
01.2003 - 11.2008
Job overview
- Reviewed loan applications and verified accuracy of borrower information.
- Processed loan documents and ensured compliance with federal regulations.
- Performed post-closing follow up on file completion requirements.
- Researched discrepancies in documentation received from applicants or third parties.
- Maintained accurate records in accordance with company policy and procedures.
- Provided customer service by responding to inquiries regarding loan status.
- Verified that all conditions of the loan have been met prior to disbursement of funds.
- Prepared closing statements, secured signatures on documents, and reviewed all loan conditions with customers.
- Coordinated with title companies to ensure timely delivery of documents to settlement agents.
- Verified that all required documentation was received prior to closing date.
- Processed payoffs from other lenders as well as escrow accounts at time of closing.
- Scheduled closing meeting after gathering and preparing loan package documentation.
- Scheduled appointments with customers in need of Notary services.
- Authenticated copies of original documents when necessary.
- Performed other duties assigned by superiors related to Notary work.
- Verified customer signatures and identification documents.
- Followed state laws regarding proper completion of notarial acts.
- During my tenure at Alliance Credit Union, I was a title clerk for Auto loans, helped create the mortgage department, took applications, Processed loans, title issues ordered payoffs, updated HOI, Completed closings, Notary duties and customer service and ATM maintenance.
Capital Source Funding FKA SLP CapitalSt Louis, MT
Underwriter
05.1998 - 12.2002
Job overview
- Reviewed and analyzed alarm contract for bulk purchases and funding requirements.
- Prepared wire transfer requests to facilitate funding transactions.
Education
Central Visual/Perf. Arts High SchoolSt Louis, MO
High School Diploma
Skills
- Building Strong Relationships
- Creditworthiness Determination
- Decision-Making
- Analytical and Critical Thinking
- Active Listening and Learning
- Analyzing data
- Income verification
- Documentation Review
- Attention to Detail
- Professionalism
Certification
- Certified Residential Underwriter, Mortgage Broker Association - 2022/Renewed 2024
- FHA DE underwriter, FHA /HUD, 2010 (approx)
- VA SAR and LAPP approved, Veteran's Administration, 2012 (approx)
Additional Information
- References upon request
Timeline
Underwriter IV
AnnieMac
05.2025 - Current
Senior Mortgage Underwriter
GenWay Home Mortgage
09.2024 - 05.2025
Senior Mortgage Underwriter
Freedom Mortgage Corporation
02.2024 - 09.2024
Recess Supervisor
Valley Park Elementary School
09.2023 - 02.2024
Underwriter IV
Cardinal Financial Company
08.2019 - 08.2023
Senior Remote Underwriter
Mr. Cooper formerly Pacific Union
03.2017 - 08.2019
Senior Underwriter
Finance of America formerly American Equity
12.2008 - 03.2017
Mortgage Clerk
Alliance Credit Union
01.2003 - 11.2008
Underwriter
Capital Source Funding FKA SLP Capital
05.1998 - 12.2002
Central Visual/Perf. Arts High School
High School Diploma
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