Summary
Overview
Work History
Education
Skills
Affiliations
Accomplishments
References
Timeline
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Cynthia A. Ingram

Trenton

Summary

Accomplished Mortgage Underwriter

Results-driven underwriter with over 12 years of experience in loan underwriting and risk assessment. Skilled in documentation management and effective communication, contributing to improved compliance and efficiency in the underwriting process.

Recognizing complex loan cases and reviewing for compliance with industry standards.

Attention to detail and a highly motivated employee with a desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Hardworking employee with customer service, interpersonal, verbal, and written communication skills, multitasking, and time management abilities.

Collaborated with colleagues and outside lenders in partnership with the New Jersey Housing and Mortgage Finance Agency, developing a tracking system for recording in-house and outbound shipping of mortgage documents. Educated in the process of verification of all collateral documents in conjunction with the underwriting process and collateral review.

Overview

34
34
years of professional experience

Work History

Underwriter I

New Jersey Housing and Mortgage Finance Agency
Trenton
02.2013 - Current
  • Verified the accuracy of documentation, such as income statements, tax returns, bank statements, and other related documents.
  • Underwrote, managed, and serviced a profitable assigned loan queue.
  • Managed workload to ensure timely and accurate processing of loan applications.
  • Issued underwriting decisions based on established criteria.
  • Maintained detailed documentation of underwriting processes and findings.
  • Analyzed financial information, including income, assets, liabilities, and credit history of applicants.

L1 Auditor | Jr. Underwriter

PHH Mortgage Corporation
Mount Laurel
08.2010 - 03.2011
  • Documented findings and provided recommendations for process improvements.
  • Ensured timely completion of all assigned tasks within set deadlines.
  • Reviewed and evaluated internal control systems and financial records to ensure the accuracy of information.
  • Maintained confidentiality of company information obtained in audit assignments.
  • Worked closely with management to discuss external audit results and action plans.
  • Participated in special projects related to due diligence investigations as required.
  • Reviewed closed loans for state compliance.
  • Approve loans and clear them for funding.
  • Que reports for HUD1 and Bureau Data System reports.
  • Worked with FHA, VA, and conventional loan programs.
  • Reviewed daily emails and other duties as assigned..

Mortgage Consultant

Bankers Mortgage Corporation
Piscataway
12.2008 - 03.2009
  • Provided mortgage advice to clients throughout the application process.
  • Analyzed financial documents to determine loan eligibility for applicants.
  • Facilitated communication between clients and underwriters during processing.
  • Educated clients on various mortgage products and terms available.
  • Evaluated risk factors associated with each loan application before submitting them to lenders for approval consideration.
  • Negotiated favorable terms with lenders on behalf of clients.
  • Gathered client debt, credit, and income information to determine loan eligibility.
  • Met with applicants to obtain information for loan applications and answer questions about the loan process.
  • Helped clients fill out loan applications and find ideal loan options.
  • Kept detailed records regarding approved, denied, and received loan applications.
  • Submitted applications to credit analysts.
  • Developed and implemented strategies to meet monthly loan targets.

Community Banking Assistant Manager

Sovereign Bank
Princeton
06.2006 - 12.2007
  • Processed customer transactions efficiently and accurately at a central national bank.
  • Maintained up-to-date knowledge of banking products and services for customer education.
  • Trained new staff on operational procedures and customer service best practices.
  • Balanced daily cash drawers and reconciled discrepancies.
  • Opened new accounts and served existing customers based on individual financial needs.
  • Updated customer information in the database after verifying its accuracy.
  • Assisted customers with opening new accounts, answering inquiries, and processing transactions.
  • Created and maintained reports and journals for loans and transactions.
  • Handled cash withdrawals and deposits according to established protocols.
  • Maintained filing systems and other daily administrative and clerical support tasks to facilitate loans, deposits, and account services.
  • Assisted bankers with past-due reports, compliance exceptions, and contacting customers about account concerns.
  • Supported branch managers in various administrative tasks such as filing paperwork.
  • Prepared reports detailing banking activities, including transaction history and interest income earned.
  • Reviewed customer applications for completeness and accuracy.
  • Tracked incoming payments from customers using spreadsheet software.
  • Resolved problems or discrepancies concerning customers' accounts.
  • Prepared official checks for customer and internal bank needs.
  • Acted as a pivotal point of contact between bank branches regarding guidelines and practices.
  • Led initiatives to improve operational efficiencies within the branch network.
  • Assisted with meeting branch sales goals.

Analyzed customer feedback data to develop action plans for improving services offered.

Executive Assistant

True Servant Ministries
Hamilton
02.2003 - 04.2005
  • Coordinated schedules for leadership and staff meetings at True Servant Ministries.
  • Organized travel arrangements for executives and ministry events efficiently.
  • Maintained confidential files and records in compliance with organizational policies.
  • Assisted in preparing reports and presentations for board meetings and stakeholders.
  • Facilitated training sessions for new administrative staff on office procedures.
  • Maintained company confidence and protected business operations by keeping sensitive information confidential.
  • Prepared reports, presentations, agendas, minutes, and other documents as needed by the executive staff.
  • Answered telephone calls from customers or clients, assisting where necessary.
  • Scheduled and arranged travel and hotel reservations for meetings, conferences, and seminars.
  • Organized and managed a complex calendar of appointments, meetings, and travel arrangements for the executive team.
  • Assisted in organizing conferences, seminars, and other events, as directed by the executives.
  • Acted as a liaison between the executives and internal and external stakeholders to facilitate communication flow.
  • Assisted in developing policies and procedures regarding office administration matters.
  • Conducted research on various topics as requested by executives or senior management personnel.
  • Leveraged word-processing software to create proposals, letters, and memos.

Financial Specialist

Wachovia Bank NA
Trenton
03.1991 - 02.2003
  • I worked in many capacities with the company, and through many mergers and positions. The series began with First Fidelity, then First Union, and then Wachovia, which is now Wells Fargo.
  • Provided training sessions for staff on financial software and compliance regulations.
  • Managed accounts payable and receivable processes for accurate record-keeping.
  • Assisted with the implementation of new accounting systems and procedures.
  • Processed customer transactions efficiently and accurately.
  • Promoted bank services to enhance customer engagement.
  • Conducted routine audits to ensure compliance with policies.
  • Balanced cash drawers daily.
  • Collaborated with team members to improve service delivery and response times.
  • Developed strong customer relationships to encourage repeat business.
  • Resolved complex problems by working with other departments to provide solutions that meet customer needs.
  • Managed customer inquiries regarding account status and financial services.
  • Strengthened client relationships by conducting routine portfolio reviews to measure plan success.

Education

Bachelor of Science - Accounting And Finance

Central State University
Wilberforce, OH

Skills

  • Loan underwriting
  • Financial analysis
  • Risk assessment
  • Compliance verification
  • Documentation management
  • Credit evaluation
  • Problem solving
  • Effective communication
  • Time management
  • Decision making
  • Loss prevention
  • Data collection
  • Quality control
  • Underwriting guidelines
  • Critical thinking
  • Time management abilities
  • Goal setting
  • Analyzing data
  • Data analysis
  • Attention to detail
  • Sales support
  • Client management
  • Teamwork and collaboration
  • Explain company policies
  • Developing policies

Affiliations

  • Well rounded individual balancing, college, work, and home life.

Accomplishments

  • In June of 2006 I was recognized as an exceptional loan specialist with Sovereign Bank. I was given the responsibility of SBA loans and UCC filing and other vehicle related loans and documentation. In September of 2006 I was promoted to Community Banking Assistance Manager.

References

References available upon request.

Timeline

Underwriter I

New Jersey Housing and Mortgage Finance Agency
02.2013 - Current

L1 Auditor | Jr. Underwriter

PHH Mortgage Corporation
08.2010 - 03.2011

Mortgage Consultant

Bankers Mortgage Corporation
12.2008 - 03.2009

Community Banking Assistant Manager

Sovereign Bank
06.2006 - 12.2007

Executive Assistant

True Servant Ministries
02.2003 - 04.2005

Financial Specialist

Wachovia Bank NA
03.1991 - 02.2003

Bachelor of Science - Accounting And Finance

Central State University