CHRISTINE L. BRENNING
Seymour,CT
Summary
Motivated professional offering 7 years of underwriting experience in Consumer loan products. Possess strong critical thinking and analytical skills to maintain highest standards of quality assurance. Proven successful at working within team environments to achieve global business goals.
Overview
37
37
years of professional experience
Work History
Underwriter
Peoples United Bank
Bridgeport, CT
09.2015 - Current
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Handled 3 new underwrites per day .
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process
Loan Processor
Peoples United Bank
Bridgeport, CT
08.2014 - 09.2015
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Managed over 40 calls per day to answer questions, process transactions and resolve issues.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
Office Manager
APPRAISALS
Milford, CT
01.2009 - 01.2014
- Individual appraiser office that increased the volume by 100 % over the past 4 years, freeing up the front line appraiser and handling all the back office administration
- Increased satisfaction from clients led to a higher performance rating and therefore more assignments.
Appraisal Administrator
01.2001 - 01.2005
- Supervised the appraisal order process, reconciled and charged all response centers for all appraisal invoices, handled a busy phone system, functioned primarily as liaison to customers and appraisers, monitor systems and worked with IT department to simplify and expedite processes.
Manager
PEOPLES UNITED BANK
Bridgeport, CT
01.1993 - 01.2005
- Repeatedly promoted during 12-year tenure with Peoples United Bank, concluding as Administrator to the Appraisal Manager., in the day-to-day responsibilities, manage problems that arose with attorneys and customers, provided support and training to the closing department staff on the new Loan Quest program and created the training manual
- Became a member of the CT Young Bankers Association and a Notary of Public.
Residential Lending Closing Administrator
01.1998 - 01.2001
Residential/Wholesale Lending Closing Associate
01.1995 - 01.1998
- Managed and evalatuated the closing transaction from search orders to first billing, maintained communication with construction loan customers during the construction period for properites locatedin Connectiuct, Rhode Island abnd New York.
Mortgage Servicing Escrow Representative
01.1993 - 01.1995
- Managed and evaluated all real estate tax escrow accounts in Connecticut, Rhode Island, New York and Massachussetts.
Education
BS Finance -
Sacred Heart University
Skills
- Analyzing Data
- Banking Standards
- Staff development & training
- Customer Satisfaction
- Production Goals
- Service Quality
Accomplishments
Underwriter of the subordination requests received from other financial institutions as well as personal loans (personal credit lines, personal loans and student loans) in addition to the assigned mortgage underwrites daily.
Timeline
Underwriter
Peoples United Bank
09.2015 - Current
Loan Processor
Peoples United Bank
08.2014 - 09.2015
Office Manager
APPRAISALS
01.2009 - 01.2014
Appraisal Administrator
01.2001 - 01.2005
Residential Lending Closing Administrator
01.1998 - 01.2001
Residential/Wholesale Lending Closing Associate
01.1995 - 01.1998
Manager
PEOPLES UNITED BANK
01.1993 - 01.2005
Mortgage Servicing Escrow Representative
01.1993 - 01.1995
BS Finance -
Sacred Heart University
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