Cindy Morin

Brockton,MA

Summary

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

years of professional experience

Work History

Mortgage Loan Underwriter

Rockland Federal Credit Union

07.2019 - Current

Increased customer satisfaction levels by providing clear explanations of underwriting decisions and addressing concerns promptly.
Provided detailed feedback on loan decisions, effectively communicating with both internal stakeholders and applicants.
Enhanced underwriting efficiency with thorough risk assessments and timely decisionmaking.
Continuously updated knowledge of industry trends and changing regulations to inform sound decisionmaking.
Effectively managed workload to ensure timely completion of all assigned tasks while maintaining a focus on quality.
Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
Approved or denied loans based on established criteria and underwriting guidelines.
Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
Monitored pipelines to track and log status of loans.
Demonstrated strong organizational and time management skills while managing multiple projects.
Self-motivated, with a strong sense of personal responsibility.
Excellent communication skills, both verbal and written.
Paid attention to detail while completing assignments.
Passionate about learning and committed to continual improvement.
Worked well in a team setting, providing support and guidance.
Proved successful working within tight deadlines and a fast-paced environment.
Demonstrated respect, friendliness and willingness to help wherever needed.

Senior Mortgage Loan Processor

Harbor Mortgage Solutions

02.2000 - 06.2019

Responsible for reviewing a variety of mortgages applications ranging from pre-approvals, Conventional (Fannie Mae/Freddie Mac), Portfolio Investor programs and FHA Reverse Mortgage loans (HECM), cross collateral loans and home equity products for a wide range of investors for both conventional and Reverse mortgages
Review credit reports ordered credit supplements and letters of explanation for credit challenges
Reviewed all conventional, FHA Reverse Mortgage appraisals and familiar with VA appraisals
Reviewed file for income and asset information and then run file through various automated underwriting system (DO) for findings, submit file with conditions per findings
Worked with loan officers, closers, appraisers, and attorneys to meet all required timeframes
Reviewed applications, submitted documents, and obtained Private Mortgage Insurance
Received ongoing training for: Fair Lending, HMDA, CRA, RESPA, TRID, Regulation B
Provided guidance to all with clients in all aspects to the mortgage process to collect all documents review commitment letters and obtains necessary documents to clear pending conditions for a clear to close for conventional mortgages and all reverse mortgages
Participated in the clearing of title defects, preparation of pre-closing documents, reviewed HUDs and Closing Disclosures, cleared any post closing issues, participated in quality control file reviews
Assisted with all audits and reviewed with excellent ratings
Reviewed and submit quarterly NMLS reports to MA state registry.

Education

Medical Assistant Program -

Southeastern Technical Institute

South Easton, MA

06.2012

Skills

Underwriting guidelines
Debt-to-Income Ratios
Professional ethics
Documentation Review
Property valuation
Loan Underwriting
Credit analysis
Appraisal review
Mortgage lending
Loan Origination
Loan Processing
Collateral Evaluation
Income Calculation

FNMA Guidelines
Residential Loans
LTV Calculations
Teamwork and Collaboration
Customer Service
Problem-Solving
Time Management
Attention to Detail
Multitasking Abilities
Excellent Communication
Microsoft Office
Oral and Written Comprehension

Volunteerpositions

Successfully created and run a team of 45 individuals for the Relay for Life Cancer walk
Volunteer at Bridgewater Festival of Lights
Advisory Board Southeastern Technical Institute

References

UPON REQUEST