DANA TRUMBULL

Work History

PennyMac Loan Services

Phoenix, AZ

10.2021 - Current

Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Monitored pipelines to track and log status of loans

LHM Financial

, AZ

02.2020 - 09.2021

Produced and submitted completed loan packages to title and escrow professionals.
Consulted with outside vendors to identify and resolve loan closing issues.
Set up, stored and updated customer files, department records and regulatory paperwork.
Reviewed and validated details of loan applications and closing documentation.
Filed completed loan applications with underwriting and made approval or denial recommendations.
Verified credit histories, personal references and employment backgrounds for each applicant.

Wells Fargo

Phoenix, AZ

01.2020 - 02.2021

Requesting vendor products through prescriptive processes and leveraging various online systems.
Verifying Home Owners Insurance, Title, appraisal, collateral products, Verification of Mortgage/Rents, Non-traditional Credit requests, Credit Supplements, SSA-89, written Verification of Employment, 4506 transcripts, payoffs and other various products.
Problem-solving and identifying when to escalate an issue Managing a vendor/stipulation follow-up report to identify loans.
Providing clear internal communications via standard loan/stip notes to ensure all roles involved in the loan transaction are kept informed of the status.
Followed up with customers on unresolved issues.
Modeled exceptional customer service skills and appropriate diagnostic sales techniques to team members.
Reported policy changes and company conditions affecting customer satisfaction.

BB&T/ Regional Acceptance Corporation

09.2018 - 01.2020

Review all documents submitted by dealer and applicant to ensure accuracy and compliance.
Analyze financial documents for applicants such as paystubs, bank statements, tax returns and tax transcripts in order to calculate income and assets if needed.
Verify employment, residence status and customers to mitigate risk and address any fraud concerns.
Update loan structure when differs from original approval and review underwriting to ensure the loan request still budgets and is within program guidelines.
Adhered to established policies, procedures and compliance for satisfactory audit rating.
Calibrated instruments and scales in production area and quality lab.
Collaborated with team to define business requirements for organizational processes, achieve productivity standards and adhere to accuracy standards.
Negotiated agreements between employees to clarify misunderstood directions and resolve conflicts affecting performance.
Devoted special emphasis to punctuality and worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.

Flagship Credit Acceptance

01.2015 - 09.2018

Responsible for reviewing and funding auto finance loans.
Data entry and review of credit reports, employment verification, and paying great.
PowerPoint attention to detail to fund loans for loan applicants and dealerships.
Conducted verification employment and telephone information with calls to employers.
Manages of a queue of customer files with the funding contracts in a deadline intensive environment.
Use analytical skills accuracy of employment, address and identity verifications, title work and calculation on income spectrums.
Utilize and leverage a variety of investigation and verifications tools in the most efficient manner possible.
Analyzed credit bureaus as well as all internal and external system to make the most appropriate credit decision.
Partnered with Associate readiness as well as legal team to ensure procedures were updated quickly and efficiently when changes needed to be made.