Camille Wolcenski
Maple Grove,MN
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Mortgage 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
12
12
years of professional experience
Work History
Mortgage Underwriter
Wells Fargo
05.2021 - 12.2022
- Responsible for reviewing, analyzing, approving, and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines
- Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements, and other supporting documentation to recommend or approve requests within deaccessioning authority levels by way of automated scoring system or traditional underwriting
- Assist with the calculations and preparation of reports for review
- Respond to customer inquiries and credit decisions
- Ensure credit files are current, complete, and compliant with company standards
- Contact customers and partners to gather information to make appropriate decisions, and explain rationale behind credit decisions
- Present recommendations for resolving situations and exercise some independent judgment while developing understanding of the Underwriting role
- Provide information to team, managers, and customers to related inquiries
Mortgage Underwriter
US Bank Home Mortgage Wealth Management
08.2014 - 04.2015
- Manually underwrote FHA (Federal Housing Administration) loans for Wealth Management clientele of U.S Bank
- Provided detailed analysis of borrower income, credit history, debt ratios, and risk to the bank
- Reviewed tax, title, insurance, appraisals, closing documentation, and the final decision for loan qualification
- Worked with Wealth Management Loan Officers over the phone and through email through loan processes from start to finish
Private Banking Credit Analyst
U.S. Bank
09.2009 - 08.2014
- Responsible for approving the extension of credit and making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit
- Conducted complete credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers
- Reviewed customer accounts and portfolios in order to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company
- Worked with Private Bankers over the phone and through email through loan processes from start to finish
Private Banker
U.S. Bank
09.2007 - 09.2009
- Provided deposit and credit expertise and advice to affluent clients in support of the Financial Advisor and client relationship
- Demonstrated comprehensive financial planning capabilities through assessing needs, identified opportunities, and recommended financial solutions.
Teller Coordinator
U.S. Bank
02.2005 - 09.2007
- Supervised the daily functions and activities of the teller team, and ensured that tellers rendered excellent customer service to banking customers
- Ensured teller sales, services goals, operations and policy procedures were met
- Assisted Management and other banking staff in their daily tasks
- Motivated tellers to achieve goals, and recognized and rewarded teller team members for their performance
- Sold banking products and services and ensured compliance of federal and state regulations.
Education
Bachelor of Science - Business Administration
Capella State University
2016
Skills
- Creditworthiness Determination
- Credit History Review
- Application Reviews
- Automated Underwriting Systems
- Loan File Maintenance
- Credit File Updating
- Loan Restructuring
- Financial History Analysis
- Loan Processing Coordination
- Complaint Handling
- Property Evaluation
- Loan Product Knowledge
- Loan Modification
- Eligibility Requirements
- Mortgage Lending Requirements
- Performance Assessment and Improvement
- Oral and Written Comprehension
- Loan Portfolio Monitoring
- Active Listening and Learning
- 10-Key Typing
- File Organization
- Analytical and Critical Thinking
- NMLS Registration
- Reading Comprehension
- Regulations And Procedures
- Loss Protection
- Strong Analytical Skills
- Work As A Team
- Decision-Making Skills
- Underwriting Experience
- Real Estate Lending
- Math Aptitude
- Ability To Work Independently
Timeline
Mortgage Underwriter
Wells Fargo
05.2021 - 12.2022
Mortgage Underwriter
US Bank Home Mortgage Wealth Management
08.2014 - 04.2015
Private Banking Credit Analyst
U.S. Bank
09.2009 - 08.2014
Private Banker
U.S. Bank
09.2007 - 09.2009
Teller Coordinator
U.S. Bank
02.2005 - 09.2007
Bachelor of Science - Business Administration
Capella State University
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