Summary
Overview
Work History
Education
Skills
Interests
Software
Timeline
47
CARRIE HENNESSY

CARRIE HENNESSY

Pocatello,ID

Summary

Knowledgeable mortgage loan analyst with solid background in mortgage loan origination and client consultation. Expertise in guiding clients through mortgage process, ensuring compliance with lending regulations, and closing loans efficiently. Demonstrated proficiency in financial analysis and customer relationship management.

Overview

25
25
years of professional experience

Work History

Mortgage Loan Officer

Zion's Bancorporation
08.2024 - Current
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Processed loan applications and monitored progress from start to finish.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Extensive knowledge and use of Encompass origination system

Senior Loan Analyst

First Republic Bank
01.2020 - Current
  • Company Overview: now part of JPMorgan Chase
  • Responsible for ensuring that all single and multi-family residential loans are set up, processed and underwritten in a timely manner while meeting regulatory compliance and achieving high level customer service
  • Responsibilities focus on successfully analyzing tax returns and financials ranging from complex to simple for various types of borrowers
  • Complete and thorough analysis of each loan file including complete review of appraisal(s), application, preliminary title report and verifications to verify that they meet secondary market and First Republic Bank loan program criteria
  • Specializing in complex loan set ups with multiple collateral or borrower types
  • Experience in lending to entities including LP's, LLC's, and Trusts
  • Focus on loan origination to high profile clients and exceeding client expectations and service
  • Proficient with NetOxygen loan origination system

Mortgage Loan Underwriter IV and Senior Mortgage Compliance Analyst

IDAHO CENTRAL CREDIT UNION
04.2007 - 01.2020
  • Underwrite and prepare mortgage loans for closing according to Credit Union policies and secondary market standards
  • Promote and cross-sell Credit Union products and services
  • Provide assistance to branches and members of the Credit Union for mortgage loans
  • Direct Endorsement Underwriter, SAR/LAPP approved with experience in manual underwriting, Desktop Underwriting, Loan Prospector and GUS
  • Proficient with the Encompass origination system
  • Work collectively with loan officers to find the loan products that are the best fit for Credit Union members
  • 09/2009 became first ICCU underwriter to become an FHA DE Underwriter
  • 02/2013 became first ICCU underwriter to receive VA SAR/LAPP Final approval
  • 07/2017 promoted to Senior Mortgage Compliance Analyst
  • Responsible for establishing and maintaining loan compliance and adhering to a standard of loan quality for all types of real estate loans at the Credit Union
  • Responsible for pre and post close file reviews and overall quality control

Account Service Representative

WELLS FARGO FINANCIAL
07.1999 - 04.2004
  • Process and underwrite mortgage loans, home equity lines of credit, auto loans, credit cards and unsecured loans
  • Collect and remedy past due accounts and solicit future business with new customers

Education

B.S. - Mass Communication, emphasis in advertising and public relations

IDAHO STATE UNIVERSITY

Skills

  • Goal oriented
  • Loan origination
  • Residential mortgage lending regulations
  • Financial analysis
  • Document review
  • Licensed mortgage loan originator
  • Underwriting
  • Loan application management
  • Desktop underwriter expert
  • Pre-approval process
  • Analytical and critical thinking

Interests

Mountain Biking

Golf

Reading and Writing

Software

Encompass

NetOxygen

Microsoft Office

Timeline

Mortgage Loan Officer

Zion's Bancorporation
08.2024 - Current

Senior Loan Analyst

First Republic Bank
01.2020 - Current

Mortgage Loan Underwriter IV and Senior Mortgage Compliance Analyst

IDAHO CENTRAL CREDIT UNION
04.2007 - 01.2020

Account Service Representative

WELLS FARGO FINANCIAL
07.1999 - 04.2004

B.S. - Mass Communication, emphasis in advertising and public relations

IDAHO STATE UNIVERSITY

Similar Profiles

CREATE PROFILE
CARRIE HENNESSY