Bridgette Gaul
Canton
Summary
Over 20 years of expertise in banking and lending operations, specializing in risk analysis. Offering borrower focused creative solutions while adhering to compliance guidelines, enhancing underwriting processes and brand reputation. Proficient in team leadership and dedicated to fostering collaborative program development with a focus on maintaining loan salability and audit cleanliness.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Community Financial Credit Union
03.2016 - Current
- Evaluating loans for compliance, significantly enhancing audit readiness and ensuring high marketability for Fannie Mae, Freddie Mac, and USDA.
- Conducting streamlined, in-depth loan assessments leading to improved turn times and enhancing the borrower experience.
- Comprehensive evaluation of collateral for risk assessment and salability.
- Creating operational efficiencies through creative strategic thinking consistently exceeding leadership expectations.
- Maintaining a supportive team environment encouraging skill development to achieve common goals.
- Performed delegated PMI underwriting through Arch MI.
Underwriter I/II
Community Financial Credit Union
02.2015 - 03.2016
- Conducted thorough income, credit, and collateral assessments of 2nd lien mortgages.
- Collaborate with vendors, maintaining documentation for smooth transactions.
- Evaluated consumer loans ensuring sound financial decisions that minimized risk and supported strategic lending initiatives.
- Redefined loan approval processes achieving improved accuracy and contributing to a more efficient lending cycle.
- Fostering a team-oriented environment by mentoring junior underwriters enhancing performance and enhancing overall departmental knowledge sharing.
Mortgage Loan Processor
Community Financial Credit Union
07.2010 - 02.2015
- Streamlined document processes enhancing file accuracy and expediting loan approvals with improved member satisfaction.
- Executed meticulous income and credit analysis ensuring compliance and facilitating informed lending decisions reducing risk.
- Partnered with title companies to effectively clear title ensuring timely closings and minimal delays.
- Provided outstanding member service by fostering strong relationships and offering expert guidance throughout the mortgage process.
- Updated mortgage database and automated underwriting system with accurate information improving decision making efficiency.
- Facilitated training new staff as a senior team member.
Home Services Specialist II-Level 1 Conventional Underwriter
Bank of America
04.2008 - 07.2010
- Delivered exceptional customer service through daily communication with clients with business partners, fostering trust and transparency.
- Managed daily pipeline activities effectively, promoting team productivity and ensuring compliance with critical guidelines while reducing processing times.
- Conducted comprehensive reviews of loan applications for eligibility ensuring adherence to FHA, USDA, and VA guidelines thereby mitigating risk.
Education
High School -
St. Agatha High School
University of Michigan, Dearborn
Skills
- Data analysis
- Mortgage Underwriting
- Financial Analysis
- Risk Analysis
- Customer Service
- Team Leadership
- Microsoft Office
- Encompass
- Pipeline Management
- Title Analysis
- Income Analysis
- Collateral Review
- Construction Lending
- FHA
- VA
- USDA
- Conventional
- Jumbo
- MSHDA
- Habitat for Humanity
Certification
ECOA, HMDA, FHA, VA, USDA, MSHDA, TILA RESPA, REG Z, REG C, FACTA, ATR/QM, HPML
Timeline
Mortgage Underwriter
Community Financial Credit Union
03.2016 - Current
Underwriter I/II
Community Financial Credit Union
02.2015 - 03.2016
Mortgage Loan Processor
Community Financial Credit Union
07.2010 - 02.2015
Home Services Specialist II-Level 1 Conventional Underwriter
Bank of America
04.2008 - 07.2010
High School -
St. Agatha High School
University of Michigan, Dearborn
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