Summary
Overview
Work History
Education
Skills
Certification
References
Timeline
Generic

Dale Jones

Spokane,WA

Summary

Dynamic mortgage underwriter with extensive experience in construction draw management at Leader One Financial Corporation. Demonstrated success in enhancing project delivery efficiency and fostering collaboration among teams. Proficient in manual underwriting and tax return analysis, achieving a notable reduction in processing errors while ensuring robust client relationships. Career goals include leveraging expertise to drive operational improvements and elevate client satisfaction.

Overview

23
23
years of professional experience
1
1
Certification

Work History

Construction Draw Specialist

Lake City Servicing
Coeur d’Alene, ID
01.2025 - Current
  • Approve construction draw requests after thorough review of supporting documents and inspection reports.
  • Scheduled inspections to confirm on-site work completion.
  • Sustain proactive engagement with Builders and Borrowers for ongoing business growth.
  • Supervised pipelines ensuring timely completion of all recurring tasks.

Driver

UBER
08.2022 - 01.2025
  • Communicated effectively with passengers, providing transportation to and from their destinations to ensure superior customer service
  • Ensured vehicles were maintained in clean and excellent condition while addressing and resolving any issues promptly
  • Followed directions accurately and completed necessary administrative tasks efficiently
  • Attained and maintained a rating of 4.9 out of 5.0

Remote Senior Mortgage Underwriter

Leader One Financial Corporation
03.2020 - 08.2022
  • Company Overview: Remote
  • Utilized automated systems DU and LP for underwriting FHA, Bond, and Conventional loans.
  • Evaluated risk exposure, verifying income, asset, credit, and collateral documents for compliance.
  • Cultivated robust relationships with internal teams and external clients, enhancing collaboration.

Senior Mortgage Underwriter

Spokane Teachers Credit Union
Liberty Lake, WA
06.2018 - 03.2020
  • Company Overview: Liberty Lake, WA
  • Evaluated and approved Conventional loan applications using LP, increasing the loan approval turnaround time by 25% and maintaining a 98% accuracy rate in documentation
  • Verified loan documentation and compliance with guidelines, boosting precision of approvals by 18%.

Mortgage Underwriting Officer

Alpine Bank
Rockford, IL
04.2015 - 06.2018
  • Underwrote complex FHA, Bond, and Conventional loans using DU systems.
  • Reviewed and assessed documentation for completeness
  • Conducted training needs assessments and delivered support to 10 junior employees.
  • Strengthened client relationships through consistent communication.
  • Ensured full compliance with industry regulations, significantly reducing organizational risk exposure.

Quality Assurance Analyst 3

Wells Fargo
Lombard, IL
06.2011 - 03.2014

Performed meticulous underwriting of FHA, VA, USDA, Bond, and Conventional loans using DU validation to ensure guideline compliance.

  • Formulated solutions to tackle various complex issues in document review and analysis for quality and compliance to policies, procedures, and government regulations.
  • Maintained clear communication on process quality to deliver feedback on identified deficiencies.

Sales and Processing Mentor Supervisor

Ameriquest Mortgage
Schaumburg, IL
10.2006 - 09.2007

Boosted mentee outcomes by delivering tailored advice and assistance.

  • Cultivated meaningful connections by fostering open dialogue and authentic communication.
  • Enabled mentees to take ownership of their learning and growth, enhancing self-assurance and endurance.
  • Exchanged best practices with fellow mentors to enhance mentoring strategies.

Underwriter, Underwriting Trainer

Countrywide Home Loans
Rolling Meadows, IL
08.2002 - 06.2006
  • Suggested effective measures to mitigate identified risks.
  • Developed loan strategies with sales teams.
  • Collaborated with teams to create and execute training programs, resulting in a 25% boost in deal closures.
  • Evaluated underwriting team performance to ensure alignment with production goals.

Education

Bachelor of Science - Business Management, Real Estate Law, Real Estate Contracts, Business Law, Contract Law

Upper Iowa University
Fayette, IA

Skills

  • Collaboration
  • Communication
  • Manual underwriting
  • Non-QM
  • Residential loans
  • Strong decision-making
  • Tax Return Analysis
  • Debt-to-Income Ratios
  • LTV calculations
  • Credit analysis
  • Underwriting guidelines
  • Income Evaluation
  • Automated Underwriting System (AUS)

Certification

FHA Direct Endorsement (DE)

References

References available upon request.

Timeline

Construction Draw Specialist

Lake City Servicing
01.2025 - Current

Driver

UBER
08.2022 - 01.2025

Remote Senior Mortgage Underwriter

Leader One Financial Corporation
03.2020 - 08.2022

Senior Mortgage Underwriter

Spokane Teachers Credit Union
06.2018 - 03.2020

Mortgage Underwriting Officer

Alpine Bank
04.2015 - 06.2018

Quality Assurance Analyst 3

Wells Fargo
06.2011 - 03.2014

Sales and Processing Mentor Supervisor

Ameriquest Mortgage
10.2006 - 09.2007

Underwriter, Underwriting Trainer

Countrywide Home Loans
08.2002 - 06.2006

Bachelor of Science - Business Management, Real Estate Law, Real Estate Contracts, Business Law, Contract Law

Upper Iowa University
Dale Jones