Summary
Overview
Work History
Education
Skills
Certification
Timeline
Hi, I’m

CHRISTA JONES HALL

Greenville,SC
CHRISTA JONES HALL

Summary

Detailed Commercial/Residential Mortgage Analyst offering 15+ years underwriting and auditing. Offering In-depth knowledge of income calculations, Asset Review, tax returns, credit reports and regulatory requirements. An Analytical professional comfortable balancing high stress environments while delivering excellent customer service.

Experienced with residential lending processes, including loan origination and client consultations. Utilizes excellent communication and analytical skills to evaluate client needs and provide tailored financial solutions. Track record of ensuring compliance with regulatory standards and achieving client satisfaction.

Professional in mortgage and lending industry with comprehensive expertise in residential loans and client relations. Known for delivering reliable loan processing and ensuring regulatory compliance. Valued for fostering collaborative team environments and adapting to dynamic market conditions. Recognized for strong analytical abilities and exceptional customer service.

Overview

17
years of professional experience
1
Certification

Work History

NEXA Mortgage/Amethyst/Loan Factory

Commercial/Residential Loan Officer
06.2024 - Current

Job overview

  • Recommended loans: Advising clients on the best loan options for their needs and qualifications
  • Pre-Underwrite files according to lender guidelines, insuring files are clean for smooth processing
  • Explained loan terms: Informing clients about the different types of loans and the terms of each
  • Assessing risk: Evaluating a client's credit and history to determine the risk of lending them
  • Gathered financial documentation: Worked with clients to obtain the necessary financial documents to support their application
  • Made recommendations: Recommending clients for approval or explaining why a request was denied
  • Staying up to date: Keeping abreast of lending regulations
  • Client Negotiator
  • Researcher of Programs and Products to meet the consumer needs
  • Social Media Creator
  • Community Relationship Builder
  • Products: Conventional, FHA, USDA, VA, DSCR, NonQM, Reverse Mortgage and, Business Loans
  • Expedited the loan application process for improved customer satisfaction through effective communication and organization.
  • Managed a diverse pipeline of loans effectively, ensuring timely closings and positive outcomes for clients.
  • Negotiated favorable terms for clients by leveraging strong industry knowledge and relationship-building skills.

Charter Spectrum

Sales Advisor
01.2024 - Current

Job overview

  • Provided expert product knowledge to customers, leading to informed purchasing decisions and increased satisfaction levels.
  • Increased sales by establishing rapport with customers and identifying their needs.
  • Increased sales by offering advice on purchases and promoting additional products.
  • Handled difficult situations professionally by addressing customer complaints and finding mutually beneficial solutions, preserving long-term relationships.
  • Listened to customer details and offered matching solutions to meet wide range of requirements.
  • Exceeded sales targets consistently through effective product demonstrations and persuasive communication skills.

US Small Business Administration

Disaster Loan Case Manager-Paralegal Specialist
12.2022 - 05.2023

Job overview

  • Managed and Reviewed Government Disaster loans for
  • Commercial Business loans and
  • Home Loans
  • Interacted with current and prospective customers, appraisers, and other third-parties to facilitate the extension of credit and perform due diligence according to government guidelines
  • Confirmed with Inspector to confirm Progress of project, to release additional funds as applicable
  • Submitted Large Government Business loans to committee for release of funds
  • Advised Customer Information on Guidelines on Business EIDL loans, according to Government requirements
  • Insured customers met Government loan requirements to prevent duplication of funds released by Insurance Carrier, FEMA or any other government disaster agency
  • Audited Business and Personal compliance Documents for Loan Closing to meet government requirements and smooth closing
  • Boosted customer satisfaction levels with a timely response to inquiries and resolution of issues.

HTEM/dba The Lender &Me Mortgage

Senior Mortgage Underwriter
12.2020 - 09.2022

Job overview

  • Approved and Denied Primary and Investment mortgage loans based on investor and lending guidelines
  • Reviewed Single and Multi-Unit Properties for Residential and Investment Lending
  • Communicated with applicants and internal team members to discuss identified conditions needed for approval
  • Interviewed and interacted with legal authorities for customers, who were flagged for Suspicious activities regarding multiple suspicious asset accounts
  • Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial
  • Analyzed complex High net worth Asset statements, to meet AML Quality requirements
  • Critiqued new application and recognized potential warning signs that indicated large cash deposits, illegal affairs and numerous small transfers between individuals
  • Reviewed, and Reconciled Financial Documents, such as Profit and Loss Statements, Cash Balance statements, Tax Returns, Multiple types of assets such as Investments, 1031 exchanges, Rent Rolls, lease agreements, Retirement for closing and Income justification
  • Submitted Multiple Properties to Committee Review as applicable for additional risk review
  • Evaluated loans against portfolio lending and investor guidelines
  • Compliance Testing Project Completed to meet investor requirements
  • Requested additional information and documents from borrower to help determine loan risk for NONQM Bank Statement Programs, Asset Depletion, DSCR, and Commercial loans
  • Reviewed Residential and Commercial appraisals as applicable
  • Escalated appraisals as applicable to Appraisal company for justification of discrepancies as applicable
  • Developed relationships with broker and real estate community by providing updates on loan status
  • Collaborated with loan originators and processors to correctly review and assess applications and risks

The Compliance Group

Compliance Auditor
12.2019 - 12.2021

Job overview

  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
  • Evaluated the entire credit package and collateral for residential mortgage loans and ultimately ensures an 'investment' quality loan product
  • Loans Re Underwritten to Justify approval Income, Assets and Collateral
  • Diminished financial discrepancies and accurately reconciled accounts using detailed data analysis results
  • Served as compliance subject matter expert

Source Point and Solomon Edwards

Remote Senior Mortgage Underwriter
02.2020 - 12.2020

Job overview

  • Collaborated with loan originators and processors to correctly review and assess applications and risks
  • Analyzed loan risk and reviewed loan conditions and requirements for Agency, Non-Agency, and Government products
  • Determined loan eligibility and approved or rejected applications
  • Maintained compliance with company and regulatory policies
  • Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines
  • Resolved document mistakes and discrepancies and identified signs of fraudulent activity
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies

Bank Of America Corp

Senior Mortgage Underwriter
03.2016 - 02.2019

Job overview

  • Underwrote and decisioned agency conforming, non-conforming jumbo residential mortgage loans
  • Negotiated contracts and coordinated with lenders, attorneys and inspectors
  • Verified that the legal formalities were completed prior to closing dates
  • Reviewed all tax returns prepared by individual departments before approval
  • Diminished financial discrepancies, accurately reconciling accounts while reviewing material assets, net worth, liabilities, surplus, income and expense data
  • Performed thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan
  • Reviewed contracts from banks and ensured that corrections were made to meet all regulatory requirements
  • Adhered to deadlines in optimizing regulatory and operational performance
  • Prepared banking policy and procedures and explained all steps to appropriate personnel
  • Obtained notices of completion and compliance certifications from construction administration consultants
  • Accurately estimated construction costs, yielding a profit to the business

Everbank Financial Corp

Compliance Audit Leader
07.2015 - 01.2016

Job overview

  • Managed Change management projects to support Changes in Originations guidelines
  • Researched and campaigned to develop and implement plans for Lending Origination Guidelines
  • Managed Change Management Report database
  • Initiated and coordinated changes necessitated by new or revised laws and regulations impacting the area of responsibility, including changes in policy and procedural manuals
  • Researched underwriting processes to ensure conditions adhered to regulatory compliance protocols
  • Completed appraisals reviews according to federal and USPAP guidelines
  • Participated in projects related to the development and improvement of governance and policy processes and regulatory review
  • Created effective Audit Control Testing and Synopsis to ensure Sound strategic decisions were focused on exceeding quality control for Agency and Non Agency Guidelines
  • Revamped 800+ Excel questionnaire for secondary and origination lending requirements to insure Lender met Investor Quality control protocol

Digital Risk LOC

Mortgage Quality Control Underwriter
02.2015 - 07.2015

Job overview

  • Developed and wrote concise Forensic Mortgage Audit Synopsis for Legal Department
  • Analyzed Super Jumbo and Jumbo Conventional, Conforming, Non-Conforming, FHA, and VA Loans
  • Manual Underwriter, First, Seconds, Refinances, New Construction, and Purchases
  • Effectively presented Fraudulent income, asset, and collateral findings to Legal Team
  • Applied mathematical skills to calculate totals, check figures and correct problems with physical and digital files
  • Calculated personal and business tax returns
  • Reviewed financial reports to determine impact of financial management, policies and practices
  • Reviewed financial Assets to investigate Fraud and suspicious activities (AML)
  • Reviewed customer financial data to ascertain the level of risk involved for extending credit
  • Provided information needed for external due diligence requests

USAA Real Estate Company

Contracted Compliance Analyst
12.2014 - 01.2015

Job overview

  • Verified that all firm and mortgage regulatory policies and procedures were, implemented and communicated
  • Assisted Compliance governance and/or policy functions necessary to ensure regulatory compliance with the Home Mortgage Disclosure Act (HMDA)
  • Compliance Testing Completed
  • Validated Mortgage Automated Lending Decisions met Regulatory requirements
  • Completed mortgage risk assessments to minimize compliance risk exposure and escalated accordingly
  • Sampled and tested multiple loans to meet scope requirements

Wells Fargo & Company

Senior Mortgage Underwriter 4
07.2012 - 01.2014

Job overview

  • Evaluated mortgage loan applications and documentation to determine credit worthiness
  • Assisted loan officers in qualifying loan applicants
  • Adhered to all underwriting guidelines, policies, and procedures
  • Actively identified red flags and critical risk issues
  • Developed an excellent rapport with external and internal partners
  • Ensured compliance with internal controls and government regulations

JPMorgan Chase

Senior Mortgage Underwriter Escalations Manager
09.2007 - 03.2012

Job overview

  • Underwrote and decisioned agency jumbo residential mortgage loans
  • Analyzed Department reports to determine Business needs of Defaulted loans
  • Underwrote Multi Unit Residential Properties
  • Handled High Profile File Reviews, submitted to Congressman, Senators and legal
  • Etc
  • For quick decisioning
  • Created Department Quality Checklist to establish product specifications and quality assurance practices
  • Created improved training techniques on reporting procedures, which increased employee performance and retention
  • Evaluated collected data and reported results and recommendations to management
  • Monitored product trends and suggested changes
  • Top Producing Underwriter

Education

Ashford University
San Diego, CA

Bachelor of Arts from Accounting- In Progress

University Overview

Skills

  • Project Management
  • Complex Financial analysis
  • Compliance Document review for Commercial and Residential Loans
  • Compliance Tester
  • Appraisal Review
  • Regulatory Compliance Auditor
  • Mentoring and training
  • Fraud Analysis
  • Change management
  • AUS and Manual Underwriter
  • Closer
  • Portfolio Reviewer
  • Sales Negotiator
  • Loan structuring
  • Case management
  • Sales experience

Certification

  • Certified ScrumMaster (CSM)
  • Nationwide Mortgage Licensing System #1479770

Timeline

Commercial/Residential Loan Officer
NEXA Mortgage/Amethyst/Loan Factory
06.2024 - Current
Sales Advisor
Charter Spectrum
01.2024 - Current
Disaster Loan Case Manager-Paralegal Specialist
US Small Business Administration
12.2022 - 05.2023
Senior Mortgage Underwriter
HTEM/dba The Lender &Me Mortgage
12.2020 - 09.2022
Remote Senior Mortgage Underwriter
Source Point and Solomon Edwards
02.2020 - 12.2020
Compliance Auditor
The Compliance Group
12.2019 - 12.2021
Senior Mortgage Underwriter
Bank Of America Corp
03.2016 - 02.2019
Compliance Audit Leader
Everbank Financial Corp
07.2015 - 01.2016
Mortgage Quality Control Underwriter
Digital Risk LOC
02.2015 - 07.2015
Contracted Compliance Analyst
USAA Real Estate Company
12.2014 - 01.2015
Senior Mortgage Underwriter 4
Wells Fargo & Company
07.2012 - 01.2014
Senior Mortgage Underwriter Escalations Manager
JPMorgan Chase
09.2007 - 03.2012
  • Certified ScrumMaster (CSM)
  • Nationwide Mortgage Licensing System #1479770
Ashford University
Bachelor of Arts from Accounting- In Progress
CHRISTA JONES HALL