COLLETTE EARLS
Frisco,Texas
Summary
Hardworking Senior Underwriter effective at achieving control and profitability objectives according to company guidelines. Experienced in partnering with field producers to support marketing and sales activities. Over 30 years of experience in mortgage banking industry. Background includes training and mentoring new underwriters on procedures, policies and strategies for success. Dedicated to improving team productivity and helping each person achieve objectives. Closing residential, commerical and reverse mortgage loans. Active NSA/ROM with passed background check for the state of texas
Overview
36
36
years of professional experience
Work History
Sr Government Underwriter
Freedom Mortgage Corporation
01.2013 - 05.2022
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Focused on maintaining profitable business segment for company.
- Reviewed closed loan documents by outside underwriting accounts to make accurate decisions by accounting for risk, hazards and exposure.
Sr Underwriter
Chase Bank
08.2012 - 12.2012
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Assisted senior executives with final loan closings and underwriting, coordination and submission of high-profile loan conversion packages.
Mortgage Underwriter
Fifth Third Bank
01.2010 - 07.2012
- 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.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Monitored pipelines to track and log status of loans.
Mortgage Loan Underwriter
Wells Fargo
09.2008 - 01.2010
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
FMNA/FHA DE Underwriter
New Century Mortgage
03.2002 - 04.2008
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Monitored pipelines to track and log status of loans.
Consumer Loan Processor; Commercial Loan Closer
Standard Bank And Trust Company
03.1993 - 09.2001
- 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.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Evaluated approvals against established bank and government lending standards.
- Prepared commercial closing documents for the legal department
Loan Processor; Loan Officer; Reverse MTG Closer
First Mortgage Corporation
08.1985 - 02.1993
- 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.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Handled any conditions sent from underwriting departments.
- Checked packages for appropriate documentation.
- Coordinated closing process with attorneys, title companies and government clerks.
Education
Business Administration; Medical Transcription
MSTA Business College
Chicago, IL08.1983
Skills
- Government Lending/Conventional Lending
- Property Appraisals
- Desktop Underwriter/Manual Underwriting
- Pipeline Management (55 Loans)
- Underwriting and Adjustments
- Loan Product Knowledge
- Loan Restructuring
- LexisNexis
- DE/SAR LAPP Active
- NSA/ROM Notary Signing Agent
- Contour/Encompass Underwriting System Experience
Interests
I am currently one of the members of the Stellar Award wnning Unified Choir and I have a photography business as well.
Timeline
Sr Government Underwriter
Freedom Mortgage Corporation
01.2013 - 05.2022
Sr Underwriter
Chase Bank
08.2012 - 12.2012
Mortgage Underwriter
Fifth Third Bank
01.2010 - 07.2012
Mortgage Loan Underwriter
Wells Fargo
09.2008 - 01.2010
FMNA/FHA DE Underwriter
New Century Mortgage
03.2002 - 04.2008
Consumer Loan Processor; Commercial Loan Closer
Standard Bank And Trust Company
03.1993 - 09.2001
Loan Processor; Loan Officer; Reverse MTG Closer
First Mortgage Corporation
08.1985 - 02.1993
Business Administration; Medical Transcription
MSTA Business College
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