Christina Brown
North Myrtle Beach,SC
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.
Overview
16
16
years of professional experience
Work History
Mortgage Underwriter
South State Bank
04.2012 - 01.2025
- Underwrote FNMA, FHLMC, Non-Conforming, Portfolio, Construction, NC and SC State Housing, and CRA loans.
- Reviewed tax returns and completed self-employed analysis.
- 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
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
Mortgage Loan Coordinator
Regions Mortgage
07.2009 - 03.2012
- Assisted loan originators with product guidelines and documentation requirements
- Underwrote FNMA loans
- Processed FNMA, FHA, VA, and USDA loans
- Managed a high volume of mortgage loan applications, ensuring timely processing and approval.
- Facilitated clear communication between borrowers, underwriters, and other stakeholders to resolve issues quickly and efficiently.
- Coordinated closely with title companies, appraisers, inspectors, insurance agents, attorneys-ensuring smooth transactional flow from start to finish.
- Organized client documentation effectively, streamlining workflow for faster approvals and closings on mortgage
- Reduced loan processing time by prioritizing tasks and communicating effectively with team members.
- Provided ongoing support for clients throughout the loan application process, addressing concerns promptly to maintain satisfaction levels.
- Contributed to a positive work environment by maintaining open lines of communication with colleagues and management staff.
- Worked with underwriters to fix application problems and resolve issues.
- Exceeded performance expectations consistently while meeting deadlines within a fast-paced work environment.
Education
Bachelor of Science Degree - Finance
Auburn University
Auburn, ALSkills
- Able to prioritize
- Detailed oriented
- Good communication
- Compliance knowledge
Timeline
Mortgage Underwriter
South State Bank
04.2012 - 01.2025
Mortgage Loan Coordinator
Regions Mortgage
07.2009 - 03.2012
Bachelor of Science Degree - Finance
Auburn University
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