Work Preference
Summary
Overview
Work History
Education
Skills
Certification
LANGUAGES
Timeline
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Christina Waldoch
Open To Work

Christina Waldoch

Yorkville,Illinois

Work Preference

Work Type

Full Time

Location Preference

Remote
Open to relocation: Yes

Important To Me

Paid time offWork from home optionHealthcare benefitsCompany CultureWork-life balance

Summary

Dynamic leader focused on enhancing customer and team engagement. Skilled in driving team performance to create outstanding customer experiences that build lasting relationships. Recognized for the ability to inspire and motivate others towards excellence.

Overview

29
29
years of professional experience
1
1
Certification

Work History

Senior Home Equity Underwriter

JPMorgan Chase
11.2016 - Current
  • Review new Heloc requests via Encompass. Review all parameters of the application and documentation to support the request Reach out to business partners on status of approvals counteroffer, and denials Senior Home Loan Trainer Remote Underwriter III
  • Review applications for approval , counter offers , denials for residential purchase, refinance,investments, primary , 2nd homes, co-ops, affordable, harp,conventional, non conforming loans
  • Confirm data is complete and meets establishment standards, including type and amount of mortgage, assets, credit , income
  • Review prior to close and prior to decision calculate all required income types , assets, vesting , credit reports ,PMI ,Condo approval review
  • Run final loan through automated underwriting engines as appropriate once all income, assets ,credit documents are reviewed
  • Bring attention to management items that adversely affect the quality of loan files
  • Mentor audit supervisors,colleagues to obtain there lending authority
  • Manage colleagues and audit loan files during all stages of loan file

Senior 203k Construction Specialist Remote Underwriter

PNC Mortgage
11.2009 - 11.2016
  • Reviewed and approved contracts, contractors, bids , licencing with county websites
  • Validated ,reviewed approved appraisals for completion and compliance
  • Reviewed daily reports to keep track of appraisal status Senior Quality Analyst Underwriter
  • Reviewed manual ,Jumbo ,FHA, VA and FHLMAC, FNMA files to verify items as shown on findings,program requirements are meet for delivery
  • Reviewed and calculate required income, assets, title, credit report for compliance to meet program to assure the documents meet all requirements
  • Monitored mortgage consultants by conducting quality reviews and audits to identify strengths and deficiencies, ensuring accuracy of credit quality, regulatory compliance, and loan documentation upon first submission to PNC as reporting Senior Decision Certified Senior Mortgage Processor
  • Reviewed residential purchase and refinance loan applications to confirm data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.
  • Verified specified companies to obtain property abstract title commitment, tax certification, survey, and appraisal reports.
  • Reviewed and monitor daily pipeline reports on a daily basis to meet close dates and lock expiration.
  • Analyzed real estate property appraisals, homeowners insurance, mortgage and flood insurance, title commitments, and loan conditions
  • Completed calculation to verify funds to close and max mortgage worksheet for FNMA, Freddie Mac relief HARP , FHA, VA, Conventional files
  • Ran final loan through automated underwriting engines as appropriate once all income; assets documents are reviewed and cleared by Decision Certified Processor.
  • Confirmed close date, time with all parties after Decision Certified Processor clears the file for closing .
  • Assured documents are delivered to the Closing Department in a timely manner
  • Mentored and managed others

Loan Document Specialist

Wells Fargo
03.1997 - 11.2009
  • Wachovia, Senior Underwriter Citi Mortgage Certified Underwriter Washington Mutual,Senior Loan Coordinator/Closer Gurnee Bank Commercial Administrative ,Loan Assistant ,ATM Specialist Service ,Senior Teller

Education

Graduation - undefined

York High School
Elmhurst, Illinois
01.1985

Skills

  • Federal Housing Administration (FHA)
  • Microsoft Office
  • Mortgage
  • Loans
  • Underwriting
  • Compliance
  • Training/Teaching
  • Bank Management
  • Windows Vista
  • Microsoft Windows XP
  • HCL/Lotus Notes
  • Fannie Mae (FNMA)
  • Freddie Mac (FHLMC)
  • Microsoft Outlook
  • Credit Reports
  • Management
  • Mentoring
  • Customer Support/Service
  • Leadership
  • Real Estate
  • Sales Pipeline
  • Construction
  • Regulatory Compliance
  • Analysis Skills
  • Time Management
  • Contract Approval
  • Insurance
  • Home Affordable Refinance Program (HARP)
  • Property Insurance
  • Loan Conditions
  • Loan Documents
  • Real Estate Appraisals
  • Property Title
  • Loan Underwriting
  • Contract Review
  • ATM
  • Organizational Skills
  • Mortgage Lending
  • Loan Closing
  • Commercial Loans
  • Commercial Banking
  • Condominiums
  • Residential Mortgages
  • Home Equity Line of Credit (HELOC)
  • Auditing
  • File Audits
  • Support Documentation
  • Loan Denial
  • Credit Analysis
  • Team Lead/Manager
  • Customer Experience

Certification

Certified Underwriter and Senior Mortgage Processor

LANGUAGES

English - Fluent

Timeline

Senior Home Equity Underwriter

JPMorgan Chase
11.2016 - Current

Senior 203k Construction Specialist Remote Underwriter

PNC Mortgage
11.2009 - 11.2016

Loan Document Specialist

Wells Fargo
03.1997 - 11.2009

Graduation - undefined

York High School

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