Dale Jones

• Increased productivity, underwrote FHA, Bond & Conventional loans with automated underwriting system DU and LP for Single and multiple family underwriting to ensure the quality and integrity of underwriting decisions and processes
• Accessed exposure to risk, examined, and certified income, asset, credit, and collateral documentation for accuracy and compliance to ensure loans met company and agency guidelines
• Maintained strong business relationships with internal and external clients
• Audited FHA, & Conventional loans for accuracy and worked with clients to cure any salability issues
• Provided guideline support to sales teams and operational teams
• Provided guideline clarification to sales and processing partners during loan process for restructured opportunities that best met customer’s needs
• Maintained excellent communications with processing and sales throughout loan process to deliver timely closings for clients.

• Underwrote Conventional loans with LP
• Analyzed, examined, and validated income, credit, assets, title and collateral documentation for accuracy and completeness to ensure loans met company and agency guidelines
• Maintained strong business relationships with multiple clients through constant communication.

• Underwrote complex FHA, Bond & Conventional loans using DU to validate findings and ensure loans meet agency and company guidelines
• Analyze, examine, and validate documents for accuracy and completeness
• Provided support to 10 junior staff with training needs
• Maintained strong relations with Clients through constant communication.
• Maintained strict adherence to industry regulations, minimizing risk exposure for organization.

• Examined Conventional and Government programs, processes, documentation and or files of unusual, complex and or higher risk transactions to ensure compliance with internal company requirements and or agency or government regulations.
• Developed solutions to variety of complex problems in review and analysis of documents and/or processes for quality and compliance to policies and procedures, and or government regulations.
• Clearly communicated overall process or transaction quality to provide feedback to appropriate contacts regarding identified material deficiencies or issues including identification of inconsistencies.

• Enhanced mentee performance by providing personalized guidance and support.
• Developed trust-based relationships with mentees through active listening and empathetic communication.
• Assisted mentees in setting achievable goals and creating realistic action plans for personal and professional growth.
• Empowered mentees to take responsibility for their learning and development, fostering self-confidence and resilience.
• Collaborated with fellow mentors to exchange best practices, ensuring continuous improvement of mentoring strategies.
• Adapted mentorship style based on individual mentees’ needs, enabling tailored interventions that drove better results than one-size-fits-all approaches.

• Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
• Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
• Collaborated with sales teams to develop strategies to make loans work.
• Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
• Developed strong relationships with brokers, leading to higher volume of quality submissions and successful underwriting.
• Spearheaded initiatives aimed at streamlining workflows between departments, leading to increased collaboration and efficiency across organizations.
• Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
• Documented underwriting decisions and provided evidence of compliance with applicable regulations.
• Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
• Coached employees on best practices, providing constructive feedback to support their professional growth.
• Streamlined processes for creating, updating, and distributing training materials, resulting in significant time savings for staff members involved in these tasks.

• Increased loan application approvals by efficiently processing and reviewing documents for accuracy and compliance.
• Improved client satisfaction rates by providing timely communication and updates on loan statuses.
• Developed strong relationships with real estate agents, increasing referral business and expanding client base.
• Managed pipeline of mortgage applications, prioritizing tasks to ensure timely closings and meet clients’ needs.
• Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
• Contributed towards achieving branch sales targets through consistent performance in meeting personal goals as well as supporting team members when needed.