Summary
Overview
Work History
Education
Skills
Accomplishments
Affiliations
Software
Timeline
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Cynthia Hill

Tax Returns ( All Schedules), Finance, Underwriting, Accounting
Montgomery,AL

Summary

Astute and methodical Senior Mortgage Underwriter with significant background working with all facet of customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled underwriting. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Underwriter offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 25 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Reliable employee seeking Finance, Tax Preparation, or accounting position. Offering excellent communication and good judgment. Dedicated Finance professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Experienced with over 25 years of experience in finance, tax returns, and accounting . Excellent reputation for resolving problems and improving customer satisfaction.

Overview

25
25
years of professional experience
25
25
years of post-secondary education

Work History

Senior Underwriter

Home Point Financial Operations Center
Ann Arbor , MI
01.2021 - 05.2022
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
  • Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
  • Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Verified integrity of applicants' information to minimize fraud.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Proactively identified solutions for customers experiencing credit issues.
  • Applied grades to each loan application based on established criteria to keep institutional risk low.

Mortgage Broker

BEACH STREET MORTGAGE LLC
GULF BREEZE , United States
05.2019 - 01.2021
  • Assessed clients' financial data to determine loan suitability.
  • Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Explained entire mortgage loan process to borrower.
  • Evaluated borrower financial information, pay stubs and credit history to determine loan possibility.
  • Established strong relationships with borrowers, which helped to forge new business opportunities.
  • Advised clients on loan process and specialized topics in home purchasing such as [Topic] and [Topic].
  • Collaborated with different lenders to find best possible deal for homebuyers.
  • Mentored other mortgage brokers in methods to help each land new clientele.
  • Fielded customer complaints and provided solutions.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Implemented sales strategies that established relationships with realtors and CPAs.
  • Explained different types of loans pertaining to client situations.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Proactively identified solutions for customers experiencing credit issues.
  • Monitored pipelines to track and log status of loans.
  • Developed prospects for new loans by conducting 50 cold calls weekly.
  • Explained very technical financial information to applicants in easy to understand language.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.

Senior Mortgage Loan Processor

Regions Bank
MONTGOMERY , AL
01.2015 - 04.2019
  • Set up and completed loan submission packages.
  • Handled any conditions sent from underwriting departments.
  • Communicated with originator and applicant concerning progress of loan file.
  • Coordinated closing process with attorneys, title companies and government clerks.
  • Evaluated approvals against established bank and government lending standards.
  • Received on-going, comprehensive training on home loan products and mortgage process.
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering [Type] loans.
  • Completed denial and cancellation procedures on applicable files.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Conducted pre-funding and funding activities for over 50 monthly applications.
  • Reviewed and validated details of loan applications and closing documentation.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Assessed customer account histories to determine previous compliance with payment plans and loan terms.
  • Consulted with outside vendors to identify and resolve loan closing issues.
  • Filed completed loan applications with underwriting and made approval or denial recommendations.

Education

High School Diploma -

Robert E. Lee High School
Montgomery, AL
08.1981 - 06.1984

Nationwide Multistate Licensing System - Accounting And Finance

Capstone Institute of Mortgage Finance
Atlanta, GA
01.2011 - 01.2011

Health And Life - Health Insurance And Life Insurance

Health And Life
Online
05.2012 - 05.2012

Nationwide Multistate Licensing System - Finance

Capstone Institute of Mortgage Finance
Online
04.2019 - 04.2019

Skills

Tax Returns, All Schedules

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Accomplishments

  • Achieved best quality and 3rd top Processor by completing over 600 loans with accuracy and efficiency.
  • Managed over $ 9 Million a month book of business.
  • Used Microsoft Excel to develop inventory tracking spreadsheets.

Affiliations

  • Women's auxiliaries

    of the Shriner's'

Software

Word

Excel

Power Point

Outlook

Black Knight

Loan Beam

Timeline

Senior Underwriter

Home Point Financial Operations Center
01.2021 - 05.2022

Mortgage Broker

BEACH STREET MORTGAGE LLC
05.2019 - 01.2021

Nationwide Multistate Licensing System - Finance

Capstone Institute of Mortgage Finance
04.2019 - 04.2019

Senior Mortgage Loan Processor

Regions Bank
01.2015 - 04.2019

Health And Life - Health Insurance And Life Insurance

Health And Life
05.2012 - 05.2012

Nationwide Multistate Licensing System - Accounting And Finance

Capstone Institute of Mortgage Finance
01.2011 - 01.2011

High School Diploma -

Robert E. Lee High School
08.1981 - 06.1984
Cynthia HillTax Returns ( All Schedules), Finance, Underwriting, Accounting