Encompass, Decipher, Byte Pro, G-Suite, LP / DU, Evolve, Core Systems
Charmaine Hammel
Jim Thorpe,PA
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
25
25
years of professional experience
Work History
Non-QM Mortgage Underwriter-Business Purpose Loans
Civic Financial Services
06.2022 - 04.2023
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Negotiated loan terms and conditions with customers to secure best deal.
- Assisted customers with completing loan applications and other paperwork.
- Assessed loan portfolios for compliance with underwriting policies.
- Developed and maintained relationships with customers, lenders and other third parties.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Researched and updated industry knowledge on changing legislation and regulations.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Monitored pipelines to track and log status of loans.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Verified integrity of applicants' information to minimize fraud.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
Conventional Mortgage Underwriter
Digital Risk [Contracted To Bank Of America]
Remote, PA
01.2022 - 06.2022
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
DE Mortgage Underwriter
Holland Mortgage Advisors
07.2020 - 01.2022
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Researched and updated industry knowledge on changing legislation and regulations.
- Assisted customers with completing loan applications and other paperwork.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Assessed loan portfolios for compliance with underwriting policies.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Monitored pipelines to track and log status of loans.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Senior Private Mortgage Underwriter
DLP Capital Partners
05.2018 - 07.2020
- Checked personal and team calculations to validate information and underwriting decisions.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Mortgage Processor IV
Wells Fargo Home Mortgage
10.2016 - 02.2018
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Created strong working relationships with advisors, assistants and support staff.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Prepared file for final clear-to-close by branch management.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Utilized and trained associates on various financial products and software programs.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Set up and completed loan submission packages.
Premier Banker, Product Specialist
Wells Fargo Bank
11.2011 - 10.2016
- Researched product's technical specifications and accurately communicated information.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Provided advice on different bank products and financial options.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
- Opened, closed, and updated accounts for customers.
- Evaluated client financial positions and identified most appropriate banking products.
- Educated customers on features and benefits of banking products and services.
- Built and maintained portfolio of loans to meet established goals and objectives.
Originating Branch Manager
APEX Lending Inc
01.2008 - 05.2010
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Forecasted trends and recommended improvements based on financial risk analyses.
- Consulted customers to boost product sales and services.
- Maintained friendly and professional customer interactions.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Submitted loan applications to underwriter for verification and recommendation.
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
- Assessed employee performance and developed improvement plans.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Complied with regulatory guidelines and requirements.
- Launched new training program to boost employee skills and staff retention rate.
- Examined customer loan applications for loan approvals and denials.
Originating Branch Manager
Westar Mortgage
01.2007 - 01.2008
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Forecasted trends and recommended improvements based on financial risk analyses.
- Consulted customers to boost product sales and services.
- Maintained friendly and professional customer interactions.
- Boosted sales and customer loyalty through incentive programs.
- Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
Originating Branch Manager
Premier Mortgage Funding, Inc
01.2005 - 01.2007
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Forecasted trends and recommended improvements based on financial risk analyses.
- Consulted customers to boost product sales and services.
- Maintained friendly and professional customer interactions.
- Resolved various issues impacting sales management and business operations.
- Boosted sales and customer loyalty through incentive programs.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Assessed employee performance and developed improvement plans.
- Complied with regulatory guidelines and requirements.
Net Loan Originator
Superior Home Mortgage
01.1998 - 01.2005
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Utilized risk management strategies to attain high loan approval rates.
- Submitted loan applications to underwriter for verification and recommendations.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
Education
Bachelor’s Degree - Psychology / Philosophy
King’s College
Associate degree - Letters, Arts & Sciences
Penn State University
130013 -
NMLS
Licenses & Certifications
Skills
- Desktop Underwriter
- Appraisal Reviews
- Non-Prime Markets
- Property Evaluation
- Complex Problem-Solving
- Residential Loans
- FHLMC Guidelines
- Loan Restructuring
- Asset Statements
- Government Lending
- Fraud Prevention and Detection
- Credits Understanding
- Underwriting Regulations
- Income Verification
- FHA Loan Processes
- Construction Loans
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Software
Timeline
Non-QM Mortgage Underwriter-Business Purpose Loans
Civic Financial Services
06.2022 - 04.2023
Conventional Mortgage Underwriter
Digital Risk [Contracted To Bank Of America]
01.2022 - 06.2022
DE Mortgage Underwriter
Holland Mortgage Advisors
07.2020 - 01.2022
Senior Private Mortgage Underwriter
DLP Capital Partners
05.2018 - 07.2020
Mortgage Processor IV
Wells Fargo Home Mortgage
10.2016 - 02.2018
Premier Banker, Product Specialist
Wells Fargo Bank
11.2011 - 10.2016
Originating Branch Manager
APEX Lending Inc
01.2008 - 05.2010
Originating Branch Manager
Westar Mortgage
01.2007 - 01.2008
Originating Branch Manager
Premier Mortgage Funding, Inc
01.2005 - 01.2007
Net Loan Originator
Superior Home Mortgage
01.1998 - 01.2005
Bachelor’s Degree - Psychology / Philosophy
King’s College
Associate degree - Letters, Arts & Sciences
Penn State University
130013 -
NMLS
Licenses & Certifications
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