Jamille L. Monroe
Bowie,MD
Summary
I am underwriter offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity. Highly analytical and results-driven professional, powered with excellent problem-solving abilities, complemented as an enthusiastic mortgage professional who provides excellent customer service throughout the loan origination process. As an accomplished, energetic professional with a solid history of education and experience in mortgage industry exceeding expectations as a motivated leader with strong organizational and prioritization skills coaching and mentoring branch team members on a variety of loan products and services.
Overview
9
9
years of professional experience
Work History
Mortgage Underwriter
New Rez LLC
Remote, MD
11.2020 - 01.2022
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assessed aging accounts and initiated collection strategies based on conditions.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
- Evaluated overall loan documents for accuracy, completeness and compliance, ensuring loan was marketable.
- Ensured compliance with corporate underwriting protocols .
- Attained high average scores on audited loans.
- Met 8-hour timeline consistently, turning around applications quickly with firm approval or denial decision
Mortgage Loan Consultant
New Rez LLC
03.2020 - 11.2020
- Originate refinance loans by responding to company provided leads
- Maintain an active knowledge base of all of the organization's loan products and an understanding of the qualifications required of each applicant
- Identify and recommend products that meets the customer's needs and the organization's lending guidelines
- Review active loan files each day to determine if any documents are missing or what can be done to help the process along
- Utilize professional judgement to determine which potential borrowers represent good risk opportunities for the organization
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards
Mortgage Loan Officer
Monarch Mortgage a Division of Blue Ridge Bank
11.2018 - 12.2019
- Delegated complete authority and responsibility to lead and oversee the entire mortgage process including application, origination, underwriting and closing
- Work with management serving as technical authority on to design plans to achieve sales goals, loan quotas and conference referrals byway of formulation, justification, and execution of residential mortgage loans
- Negotiate terms of residential mortgage loans
- Functioned well in soliciting, negotiating, underwriting and coordinating the closing of major and complex consumer, residential, equipment and business loans in compliance with the lending policies and procedures,
- Hold small conferences and meetings to explain the variety of financial products and services available
- Regularly attend formal and informal management planning, policy and decision making sessions concerning matters involving important financial considerations, in order to provide expert financial advice
- Maintain compliance with federal lending regulations and bank underwriting policies
- Pulled & analyzed transunion, equifax, experian credit bureaus
- Create Marketing ideas to generate new leads
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Implemented sales strategies that established relationships with realtors and CPAs.
Mortgage Loan Officer
PNC
04.2018 - 11.2018
- Served as the primary liaison between the borrower, the underwriter, and the processing
- Built rapport with customers, displaying friendly, attentive service in all interactions
- Interview prospective loan applicants to determine up front eligibility and screen for approval
- Assisted customers by assuring their doubts and clarified different credit policies
- Matched customers to the best available loan program to fit their specific needs, and communicated with them daily to advise on the loan application progress
- Utilized du underwriter to determine the eligibility of granting loans
- Review loan applications and documents for accuracy and completeness
- Manage applicants expectations related to processing times, interest rates and closing dates
- Ensure loan applicant provides required information and supporting documentation
- Delegated complete authority and responsibility to lead and oversee the entire mortgage process including application, origination, underwriting and closing
- Work with management serving as technical authority on to design plans to achieve sales goals, loan quotas and conference referrals byway of formulation, justification, and execution of residential mortgage loans.
Senior Mortgage Loan Originator
Freedom Mortgage Corporation
01.2016 - 04.2018
- NMLS ID: 1454521
- Earned promotion following superior performance and demonstrated ability to quickly learn and master complex concepts as i effectively oversaw all facets of mortgage office, which included hiring, training, accounting, underwriting, and processing
- Promoted business by maintaining good customer relations and referring customers to appropriate staff for new services
- Served as primary liaison between borrower, underwriter, and processing
- Built rapport with customers, displaying friendly, attentive service in all interactions
- Interview prospective loan applicants to determine up front eligibility and screen for approval
- Assisted customers by assuring their doubts and clarified different credit policies
- Matched customers to the best available loan program to fit their specific needs, and communicated with them daily to advise on the loan application progress
- Utilized du underwriter to determine the eligibility of granting loans
- Review loan applications and documents for accuracy and completeness
- Manage applicants expectations related to processing times, interest rates and closing dates
- Ensure loan applicant provides required information and supporting documentation
- Delegated complete authority and responsibility to lead and oversee the entire mortgage process including application, origination, underwriting and closing
- Work with management serving as technical authority on to design plans to achieve sales goals, loan quotas and conference referrals byway of formulation, justification, and execution of residential mortgage loans
- Negotiate terms of residential mortgage loans
- Functioned well in soliciting, negotiating, underwriting and coordinating the closing of major and complex consumer, residential, equipment and business loans in compliance with the lending policies and procedures,
- Hold small conferences and meetings to explain the variety of financial products and services available
- Regularly attend formal and informal management planning, policy and decision making sessions concerning matters involving important financial considerations, in order to provide expert financial advice
- Maintain compliance with federal lending regulations and bank underwriting policies
- Pulled & analyzed transunion, equifax, experian credit bureaus.
Sales Associate / Receptionist
Visionworks Bowie
, MD
09.2015 - 03.2016
- Exhibited expertise in servicing new and existing clients and prospecting customers Identifying their needs/lifestyle prior to sell or purchase
- Consulted with clients on Stock/restock merchandise, daily upkeep of eyewear display
- Work with insurance companies to receive authorization for each patient's visit
- Inspect finished eyeglasses with Lens-o-meter
- Check and provide thorough dispense to ensure proper fit
- Adjust and repair customer eyewear
- Prescreen patients for eyewear.
Sales Associate
Nordstrom Rack
Annapolis, MD
09.2014 - 10.2015
- Greeted customers entering into organization
- Handled all cash transaction of organization
- Received payment by cash, checks, credit card etc
- Guided and solving queries of customer
- Provided training and assistance to new joined cashier
- Maintained monthly, weekly and daily report of transactions Assist with surveillance.
- Prepared merchandise for sales floor by pricing or tagging
Employee Coordinator / Job Coach
New Horizons Supported Services Inc
Waldorf, MD
11.2014 - 06.2015
- Develop and maintain community business relationships to help find employment and advancement
- Assist with career counseling, evaluation, skills, training/assessment, job readiness training and other activities related to employment transition, and job placement
- Work with employers/businesses to remove employment barriers, resolve issues related to community integration and independence for people with disabilities
- Maintain cooperative working relationships with Department of Rehabilitation Services (DORS)
- Assure monitoring and documentation of each person's progress
- Develop and maintain tracking and progress reports of person's employment, individual support plan goals, licensing/certification and billing requirements
- Provide direct supervision, training and work performance feedback to Job Coaches.
Sales Associate
DSW Inc
Annapolis, MD
10.2013 - 08.2014
- Greet and assist customers in store
- Reading customer cues to “Match” service level to their expectations, explaining DSW rewards program and its benefits while ensuring Passionate, Friendly, Helpful and Real Service while making recommendations to generate sales
- Enhance product knowledge utilizing various resources
- Build and maintain internal and external customer satisfaction
- Cashiering and maintaining working knowledge of store’s policies and procedures
- Address loss prevention issues immediately
- Maintains clean and organized store picking up trash in the aisles, returning shoes back where they belong according to DSW standards, cleaning the associate break room and restrooms, vacuuming the store, cleaning mirrors, cleaning the front walkway/stoop of the store, and any other housekeeping items deemed necessary
- Merchandising: Unloads merchandise from trucks, places merchandise on the sales floor per DSW standards, completes markdowns, maintains clearance area standards, fills accessories, organizes and maintains the stockroom.
Education
Bachelor of Arts - Psychology, Family Consumer Science
North Carolina Central University
Durham, NC05.2013
Diploma - General Studies
Elizabeth Seton High School
05.2009
Skills
- Problem Solving
- Product Education
- Attention to Detail
- Loan File Review
- Income Evaluation
- Loan File Maintenance
- Creditworthiness Determination
- Automated Underwriting System (AUS)
- Credit History Review
- Data Entry
- Verbal and Written Communication
- Analytical and Critical Thinking
- Time Management
- Multitasking and Prioritization
- Active Listening and Learning
- Fraud Detection and Prevention
Timeline
Mortgage Underwriter
New Rez LLC
11.2020 - 01.2022
Mortgage Loan Consultant
New Rez LLC
03.2020 - 11.2020
Mortgage Loan Officer
Monarch Mortgage a Division of Blue Ridge Bank
11.2018 - 12.2019
Mortgage Loan Officer
PNC
04.2018 - 11.2018
Senior Mortgage Loan Originator
Freedom Mortgage Corporation
01.2016 - 04.2018
Sales Associate / Receptionist
Visionworks Bowie
09.2015 - 03.2016
Employee Coordinator / Job Coach
New Horizons Supported Services Inc
11.2014 - 06.2015
Sales Associate
Nordstrom Rack
09.2014 - 10.2015
Sales Associate
DSW Inc
10.2013 - 08.2014
Bachelor of Arts - Psychology, Family Consumer Science
North Carolina Central University
Diploma - General Studies
Elizabeth Seton High School