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
24
24
years of professional experience
Work History
Mortgage Loan Underwriter
Rockland Federal Credit Union
Rockland, MA
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
Braintree, MA
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, MA06.2012
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