CHRISTY BRIGANCE
Huntersville,NC
Summary
Results-driven analyst recognized for consistently surpassing targets through effective problem-solving and collaboration. Proven ability to enhance member satisfaction by swiftly addressing needs and delivering knowledgeable service. Leverages extensive experience in lending to drive operational efficiency and business growth.
Overview
21
21
years of professional experience
Work History
Member Experience Lead
YMCA of Greater Charlotte
Cornelius, North Carolina
04.2026 - Current
- Promoted high member satisfaction by resolving problems with knowledgeable and friendly service.
- Assessed member needs rapidly to enhance service interactions.
- Assisted with member requests and answered questions to improve satisfaction.
- Delivered friendly customer service while greeting, checking in, and welcoming members and guests to create a positive atmosphere.
- Executed daily tasks with precision to maintain smooth operations.
Consumer Loan Underwriter
Wells Fargo Home Mortgage
Charlotte, NC
05.2016 - 04.2018
- Underwrote residential mortgage loans in accordance with conventional guidelines, ensuring compliance and risk mitigation.
- Evaluated credit reports for credit patterns, current liabilities, and outstanding judgments to inform lending decisions.
- Analyzed income from salaries, self-employment earnings, and investments to determine risk levels.
- Reviewed asset statements to assess individual worth for accurate credit determinations.
- Collaborated with relationship managers to review, model, and structure deals.
Loan Administration Manager 2
Wells Fargo Home Mortgage
Charlotte, NC
09.2014 - 05.2016
- Managed team performance, conducted appraisals, and recommended promotions to enhance team development.
- Held associates accountable for adherence to operational guidelines, brand standards, customer service expectations, and company policies to ensure compliance.
- Communicated policy updates to department, answered questions, and monitored compliance.
- Directed multiple teams to achieve specific project goals through coordinated efforts.
Lending Manager
Wells Fargo Home Mortgage
Charlotte, NC
07.2012 - 09.2014
- Managed lending department workflows, ensuring alignment with customer needs and business objectives.
- Developed and refined procedures to address issues identified in lending department audits, enhancing compliance and operational integrity.
- Recruited and trained high-quality candidates, strengthening team capabilities and enhancing overall performance.
- Interviewed candidates for open positions in department to locate highest quality applicants and elevate team performance.
Consumer Loan Underwriter
Wells Fargo Home Mortgage
Wilmington, NC
12.2007 - 07.2012
- Evaluated income sources, including salaries, self-employment earnings, and investments, to assess risk levels.
- Assessed asset statements to evaluate individual financial standing for credit decisions.
- Evaluated credit reports to determine credit patterns, current liabilities, and outstanding judgments.
- Collaborated with relationship managers to review, model, and structure deals.
- Collaborated with relationship managers and third-party providers to conduct thorough due diligence on customer profiles.
- Followed conventional guidelines to underwrite residential mortgage loans.
Mortgage Loan Processor
Wachovia Mortgage
Wilmington, NC
10.2006 - 12.2007
- Verified provision of necessary state, federal, and company-specific disclosures directly to clients.
- Ordered services credit reports, flood certs, and appraisals through third-party services.
- Resolved issues impacting loan process and approval in collaboration with loan officer.
- Assisted processing manager in enhancing mortgage loan system, minimizing bottlenecks and errors in the closing process.
- Organized loan files to ensure adherence to individual timelines, commitments, mortgage contingency dates, and rate locks.
- Maintained secure environment to confidentially process loan files.
Mortgage Loan Closer
Wachovia Mortgage
Wilmington, NC
08.2005 - 10.2006
- Monitored loan application status by coordinating with underwriters and processors, facilitating streamlined communication.
- Resolved customer loan issues through thorough research and investigation, ensuring timely resolution.
- Verified data input and totals on forms to identify and correct errors in arithmetic and procedures, enhancing accuracy.
- Complied with company quality standards and applicable regulations governing financing.
Education
Bachelor of Arts - History, Political Science
University of Michigan
Ann Arbor, MI05-2004
Skills
- Customer Engagement
- Collaboration
- Team Leadership
- Performance analysis
- Task prioritization
- Problem solving
- Analytical thinking
- Critical thinking
- Excellent communication
- Customer engagement
Timeline
Member Experience Lead
YMCA of Greater Charlotte
04.2026 - Current
Consumer Loan Underwriter
Wells Fargo Home Mortgage
05.2016 - 04.2018
Loan Administration Manager 2
Wells Fargo Home Mortgage
09.2014 - 05.2016
Lending Manager
Wells Fargo Home Mortgage
07.2012 - 09.2014
Consumer Loan Underwriter
Wells Fargo Home Mortgage
12.2007 - 07.2012
Mortgage Loan Processor
Wachovia Mortgage
10.2006 - 12.2007
Mortgage Loan Closer
Wachovia Mortgage
08.2005 - 10.2006
Bachelor of Arts - History, Political Science
University of Michigan