Caryl Guidry Holt

Accomplished Senior Mortgage Underwriter with 24 years of experience in non-agency, agency, government, and bond loans. Demonstrated expertise in risk assessment, data analysis, credit evaluation, and loss prevention, while meeting company objectives. Highly motivated, self-starter, and team player with a strong work ethic. Succeeding in exceptional loan quality, time management, driving high company efficiency, and excellent customer service. Seasoned loan officer with robust background in mortgage and commercial lending. Skilled in evaluating financial information, assessing risk, and making informed loan approval decisions. Strengths include effective communication with clients to understand needs and providing tailored financial solutions. Demonstrated ability to improve loan processes resulting in increased customer satisfaction and efficiency gains.

• Managed loan pipeline meeting all required timelines and also insuring all federal compliance regulations met.
• Worked directly with sales partners, processing, management, and third parties in order to insure all required documentation obtained.
• Utilization of all company software.
• Ability to render loan decision to include counter offers on complex loan applications insuring all underwriting guidelines being met, or with exceptions. Full risk reviews to include credit, assets, income and collateral. Very strong ability to analyze complex tax returns, salaried customers with restricted stock options, etc.
• Mentored team members and worked closely with processing to insure a smooth loan closing and the best customer experience possible