Christine Cave
Phoenix,AZ
Summary
Over 30 years experience in the Mortgage Industry. Have worked as successful Underwriter, QC Analyst and Mortgage Loan Closer/Funder. Demostrating proven knowledge of guidelines, risks and profit potential. Decisive in analyzing applications and making accurate decisions. Highly self-motivated, self starter, problem solver with ability to manage time and stay focused. Ability to quickly adjust to policy and process changes while being a team player.
Overview
4
4
years of professional experience
Work History
Mortgage Loan Closer
Cascade Financial
Phoenix, Arizona
08.2023 - Current
- Reviewed loan documents and ensured accuracy of information provided by customer.
- Scheduled closing meeting after gathering and preparing loan package documentation.
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
- Conducted pre-closing audits for compliance with applicable regulations.
QC Underwriter
Cross Country Mortgage
03.2022 - 09.2022
- Reviewed complete loan packages to determine creditworthiness, including assets, income, credit and collateral
- Fielded questions and concerns from underwriters, offered clear answers and direction
- Applied knowledge of secondary market guidelines to ensure guidelines were met.
Senior Underwriter
First Guaranty Mortgage
03.2021 - 01.2022
- Evaluated financial status, creditworthiness and collateral of each applicant to determine risk level of granting loan
- Worked within approval limits to move loans forward and conferred with managers to handle the larger and more complex applications.
Senior Underwriter
VIP Mortgage
03.2020 - 03.2021
- Assessed level of risk and profit associated with individual policies to maintain a balanced company loan portfolio
- Tracked changing policies and procedures to keep underwriting activities compliant with updated requirements.
Education
Bachelor of Science - Business
State University of New York
Plattsburgh, NYSkills
- Provide analysis of quality performance, risk assessment
- Regulatory compliance and document analysis
- Provide frontline staff with quality evaluation feedback and coaching, as needed
- Client relationship building
- Document Review
- Policy Adherence
Timeline
Mortgage Loan Closer
Cascade Financial
08.2023 - Current
QC Underwriter
Cross Country Mortgage
03.2022 - 09.2022
Senior Underwriter
First Guaranty Mortgage
03.2021 - 01.2022
Senior Underwriter
VIP Mortgage
03.2020 - 03.2021
Bachelor of Science - Business
State University of New York
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