Christine Tripp
Gilbert,AZ
Summary
A highly motivated, long-standing Financial professional with a strong work ethic, eager to apply exceptional interpersonal and organizational skills in various environments. Seeking new opportunities to expand skills while facilitating company growth. Ready to take on a new role with a company where effective communication and calm demeanor will be appreciated.
Overview
13
13
years of professional experience
Work History
Claims Associate - Express
State Farm
Tempe, AZ
10.2023 - Current
- Works in a team environment from established procedures and job aids to handle multiple computer applications in a high-volume changing call center.
- Delivers remarkable customer experience throughout the handling of claims, while identifying and ensuring prompt routing of claims to other functional areas as needed.
- Receives and processes claim information while educating and communicating with empathy and clarity to internal and external customers via phone and other communication channels.
- Maintains and exceeds quality metrics with accuracy and professionalism.
- Promoted to S3 within 6 months after training.
Mortgage Underwriter- Retail (Remote)
HCL/Urban Fulfillment Solutions LLC
Westlake Village, CA (40hr/wk)
02.2021 - 11.2022
- Collaborated with user departments to facilitate and expedite loan approval processes.
- Reviewed and evaluated loan applications, title work, and supporting documents, including review of real estate contracts, amendments and addendums.
- Conditioned for additional information for applications and uploaded updated required documents as necessary.
- Evaluated loans against portfolio and investor guidelines and provide recommendation and advise regarding qualifications.
- Maintained compliance with company and governmental regulatory policies.
- Analyzed applicant assets, credit history and complex financials to determine willingness and capacity to repay proposed mortgage obligation, as well as issue formal approvals, denials, and notification of cancellation, as required by law.
Mortgage Loan Processor
Movement Mortgage
Tempe, AZ (40hr/wk)
07.2019 - 02.2021
- Communicated daily with customers to guide on processes, and resolve issues in order to give a Best in Class customer experience.
- Determined loan eligibility by conducting complex income analysis, credit checks, repayment ability reviews, Real Estate contracts/addendums, prior to the submission of completed loan package to Underwriting, limiting the need for additional document and conditioning requests.
- Opened Title Escrow, ordered and reviewed property appraisals, surveys and tax records to update system of records while shortening turn times and contributing to accelerated loan closings
- Upheld compliance with privacy and security requirements, as well as federal statutes covering all loans types, leading to a decline in audit error post close.
- Collaborated loan closing process by corresponding with attorneys, title companies while ensuring on time closings that generated repeat business, contributing to overall Key Performance Indicators, company revenues, and 98% repeat customer business.
Underwriter/Credit Manager
Cascade Financial
Chandler, AZ (40hr/wk)
03.2017 - 01.2019
- Underwrote and processed Chattel Mobile home loans (home only) to internal guidelines, ensuring governmental compliance.
- Built client relationships, and served as a liaison with mobile home dealership personnel, customers and sales team, to ensure repeat business and smooth delivery of mobile homes to homeowners.
- Resolve complex builder issues, remove process roadblocks and discrepancies in order to move a file forward to an approval and clear to close loan status.
- Condition, clear loan conditions, and rework Pre-Approvals as needed to ensure borrower qualification and approval, while ensuring builder payouts.
- Accelerated in establishing a new Chattel department by suggesting and implementing process improvement in order to build better business practices while exceeding monthly goals, metrics and service level agreements.
Conforming Underwriter 3/HARP (full Process)
Wells Fargo
Irving, Texas (40hr/wk)
02.2013 - 05.2016
- Underwrote, processed and closed conforming mortgages (Freddie Mac/Fannie Mae), and Home Affordable Repayment Program (HARP) loans according to investor guidelines. Underwriting authority amount of $729,750.
- Assessed overall creditworthiness of files, reviewed complex financial statements, income, debts, assets/reserves, loan terms, real estate contracts, addendums and applicable ratios and loan to values.
- Issued sound, well documented decisions for approve or decline, supported by a thorough understanding of credit risk principles, investor and regulatory guidelines and applicable statutes.
- Communicated with all parties consistently through loan process to explain decisions/rationale and to collect and maintain required documentation for loan programs.
Consultant - Promontory Financial Group
The Hilltop Companies
Dayton, Ohio (40hr/wk)
09.2012 - 01.2013
- Evaluated and addressed various economic and regulatory risks within the engagement client’s industry.
- Exceeded the client’s quality expectations by delivering services in a timely and effective manner.
- Completed reports based on agreed procedures and drafted technical memos on any GAAP/GAAS or PCAOB issues.
- Executed special purpose examinations and reports to in house council, launching process improvement and organizational changes.
Quality Auditor MERS/ Bankruptcy Reconciliation
Newbold Advisors - Consultant at Bank of America
Plano, TX (40hr/wk)
02.2012 - 09.2012
- Reviewed active legal documents and determine if conditions defined in MERS Rule 14 were present and identified by a mortgage resolution specialist.
- Audited and notify MERS when legal issues are present using predefined verbiage.
- Used the Pacer system of records to determine bankruptcy claim findings, mathematical errors, accurate payments, interest rates and filing dates for all mortgage loan types.
- Provided special purpose examinations and prepared related reports through a paperless office environment and accepted the Bankruptcy litigation status.
HAMP Underwriter 2/Quality Assurance /Remediation
Newbold Advisors - Consultant at JP Morgan Chase
Irving, TX (40hr/wk)
02.2011 - 02.2012
- Conducted thorough analysis of Pass/Fail for delayed remediation spreadsheets and rework income and fees if needed, for the HAMP program.
- Underwrote complex income and collateral by government regulatory rules, uploaded documents into systems of records for Home Affordable Modification Program (HAMP), and identified loans for possible fraud, owner/non-owner occupied properties.
- Constructed and delivered eligibility results of all alternate workout resolutions for homeowners in default already in the HAMP program.
- Demonstrated leadership in training of new hires and performing all duties as assigned by AVP, loss mitigation manager, and default loan servicing division.
Education
Nationwide Mortgage License -
NMLS ID#2214942
Skills
- Customer Relations
- Income Evaluation
- Analytical and Critical Thinking
- Complex Problem Solving
- Attention to Detail
- Multitasking and Prioritization
- Fraud Detection and Prevention
- Regulatory Audit
Timeline
Claims Associate - Express
State Farm
10.2023 - Current
Mortgage Underwriter- Retail (Remote)
HCL/Urban Fulfillment Solutions LLC
02.2021 - 11.2022
Mortgage Loan Processor
Movement Mortgage
07.2019 - 02.2021
Underwriter/Credit Manager
Cascade Financial
03.2017 - 01.2019
Conforming Underwriter 3/HARP (full Process)
Wells Fargo
02.2013 - 05.2016
Consultant - Promontory Financial Group
The Hilltop Companies
09.2012 - 01.2013
Quality Auditor MERS/ Bankruptcy Reconciliation
Newbold Advisors - Consultant at Bank of America
02.2012 - 09.2012
HAMP Underwriter 2/Quality Assurance /Remediation
Newbold Advisors - Consultant at JP Morgan Chase
02.2011 - 02.2012
Nationwide Mortgage License -
NMLS ID#2214942
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