Charli Allison
Rock Island,IL
Summary
Professional with strong background in mortgage underwriting. Skilled in risk assessment, loan analysis, and regulatory compliance. Strong focus on team collaboration and achieving results in fast-paced environment. Reliable and adaptable with excellent analytical and communication skills. Experienced with assessing loan applications and ensuring compliance with financial regulations. Utilizes analytical skills to evaluate borrower creditworthiness and financial documents. Knowledge of industry standards and keen attention to detail in mitigating risk and approving loans.
Overview
18
18
years of professional experience
Work History
Mortgage Underwriter
IH Mississippi Valley Credit Union
06.2017 - 10.2024
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Maintained mortgage program compliance with federal agencies such as FNMA.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
Consumer Underwriter
IH Mississippi Valley Credit Union
11.2022 - 10.2024
- Developed strong relationships with key stakeholders such as sales teams, credit analysts, and senior management to ensure alignment on strategic goals related to consumer lending.
- Reviewed policy documents before issuance, ensuring accuracy and conformance to approved standards.
- Reduced claim losses by applying expert knowledge in identifying potential risks and setting appropriate premiums.
- Maintained compliance with industry regulations and company guidelines during all underwriting activities.
Mortgage Closer/Funder
IH Mississippi Valley Credit Union
06.2012 - 06.2017
- Organized and prioritized multiple loan files simultaneously, maintaining strict deadlines to meet client expectations.
- Resolved issues efficiently during the pre-closing stage, minimizing delays and keeping transactions on schedule.
- Maintained compliance with federal and state regulations, ensuring each mortgage transaction adhered to established guidelines.
- Balanced funding sheets accurately, verifying that all financial figures were correct before disbursing funds to appropriate parties.
- Maintained a high level of accuracy and professionalism while managing a large caseload of loans, consistently meeting or exceeding performance targets.
- Coordinated scheduling of closings between buyers, sellers, attorneys, and lenders for a smooth transaction experience.
- Developed strong relationships with clients and real estate agents, fostering trust in the mortgage closing process.
- Improved loan closing efficiency by streamlining document preparation and verification processes.
- Collaborated closely with underwriters, processors, and title companies for seamless loan closing experiences.
- Increased accuracy in calculating escrow amounts by implementing improved data entry techniques and double-checking computations.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
- Compiled closing packages for drafting and presentation accuracy.
Contact Center Representative
IH Mississippi Valley Credit Union
04.2007 - 06.2012
- Assisted in training new hires, sharing best practices and contributing to their professional development.
- Navigated multiple software applications simultaneously, ensuring accuracy and efficiency in handling customer inquiries.
- Demonstrated empathy towards customer concerns, fostering trust and rapport during interactions.
- Provided exceptional customer service by actively listening to inquiries and offering personalized solutions.
- Reduced handle time by quickly identifying customer needs and providing accurate information.
- Improved customer satisfaction by efficiently addressing and resolving issues in a timely manner.
- Collaborated with cross-functional teams to provide seamless support for customers during various stages of the service process.
- Maintained up-to-date knowledge of product and service changes.
Education
High School Diploma -
Rock Island High School
Rock Island06-2005
Skills
- Loan structuring
- Consumer Lending
- Documentation Review
- Credit analysis
- Appraisal review
- Credit Scoring
- Employment Verification
- FNMA Guidelines
- Collateral Evaluation
- Credit risk evaluation
- Debt-to-Income Analysis
- Multitasking
- Underwriting guidelines
Languages
English
Native or Bilingual
Timeline
Consumer Underwriter
IH Mississippi Valley Credit Union
11.2022 - 10.2024
Mortgage Underwriter
IH Mississippi Valley Credit Union
06.2017 - 10.2024
Mortgage Closer/Funder
IH Mississippi Valley Credit Union
06.2012 - 06.2017
Contact Center Representative
IH Mississippi Valley Credit Union
04.2007 - 06.2012
High School Diploma -
Rock Island High School
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