Bridget Siess
Valley Park,MO
Summary
Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Talented Professional with 18 years of experience and expertise in Conventional, FHA, VA, and USDA underwriting. Strong statistical analysis, quoting and negotiating skills. Well versed in preparing insurance policies and terms to manage risk and mitigate loss.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Wholesale Government Underwriter
Freedom Mortgage Corporation
Boca Raton, FL
02.2024 - Current
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
Recess Supervisor
Valley Park Elementary School
Valley Park, MO
09.2023 - 02.2024
- 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.
Underwriter IV
Cardinal Financial Company
Charlotte, NC
08.2019 - 08.2023
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
- Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Communicated effectively with lenders, brokers and other external partners involved in transactions.
Senior Remote Underwriter
Mr. Cooper formerly Pacific Union Financial
Dallas, TX
03.2017 - 08.2019
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
- Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
Senior Underwriter
Finance of America Mortgage formerly AEM
Maryland Heights, MO
12.2008 - 03.2017
- Reviewed, evaluated and approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Analyzed debt-to-income ratios to ensure borrowers met the requirements of underwriting guidelines.
- Appraised value of collateral properties to determine their acceptability as security for loans.
- Assessed risk factors associated with loan requests to determine whether they meet established criteria for approval.
- Assisted in the development of operational strategies to ensure efficient and productive operations.
- Provided guidance and support to junior staff members on daily tasks, projects, and objectives.
- Conducted regular performance reviews for employees to identify areas of improvement.
- Coordinated with other departments to ensure smooth flow of operations.
- Maintained up-to-date knowledge of company products and services.
Education
High School Diploma -
Central Visual/Perf. Arts High School
St Louis, MO05.1992
Skills
- USDA Subject Matter Expert
- Application Review
- Building Strong Relationships
- Creditworthiness Determination
- Credit History Review
- Income Evaluation
- Property Evaluation
- Loan Processing Coordination
- Decision-Making
- Oral and Written Comprehension
- Basic Mathematics
- Analytical and Critical Thinking
- Active Listening and Learning
- Microsoft Office / Google Sheets
- Remote Video Conferencing
Certification
- Certified Residential Underwriter, Mortgage Broker Association - 2022
- FHA DE underwriter, FHA /HUD, 2010 (approx)
- VA SAR and LAPP approved, Veteran's Administration, 2012 (approx)
Additional Information
- References upon request
Timeline
Wholesale Government Underwriter
Freedom Mortgage Corporation
02.2024 - Current
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 Financial
03.2017 - 08.2019
Senior Underwriter
Finance of America Mortgage formerly AEM
12.2008 - 03.2017
High School Diploma -
Central Visual/Perf. Arts High School
- Certified Residential Underwriter, Mortgage Broker Association - 2022
- FHA DE underwriter, FHA /HUD, 2010 (approx)
- VA SAR and LAPP approved, Veteran's Administration, 2012 (approx)
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