Danielle Bass
West Bloomfield,MI
Summary
Multi-talented loan processing professional versed in customer service and mortgage banking standards. Seasoned condo underwriter with over six years of progressive experience in the wholesale and retail lending sector. Strong problem solver adept in leveraging key relationships to obtain critical information for underwriting requests. Technical proficiencies in CPM, Encompass, FHA Connection, and DBs for VA, and FHA. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature.
Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes.
Overview
10
10
years of professional experience
Work History
Condo Project Warranty Reopen Desk Specialist
CondoTek
05.2024 - Current
- Managed underwriting tasks for national condominium developments.
- Ensured high-quality control to mitigate lender risk
- Acquire necessary data and documents for Condo Project Warrants.
- Supported with the clear and concise communication to clients of outstanding requirements and status of loan underwriting.
- Coordinated information collection and confirmation with various stakeholders including insurance agencies, management companies, and realtors
Customer Service Specialist
Flagpoles Etc
02.2023 - 05.2024
- Served as a customer service representative for the lead flagpole manufacturer.
- Worked as part of a three person sales team selling flagpoles across the United States of America.
- Lead sales for both commercial and residential customers since joining the company.
- Obtained and maintained bids the company won and created bid packages for upcoming projects.
- Secured Bids for the company by reading contracts and identifying what was needed to complete company projects.
- Reached out daily and followed up monthly with customers to ensure the flagpoles where maintenance and installed in a timely manner.
- Read engineering reports and pulled building specs for projects that were coming up.
Condo Underwriter / Specialist III
LoanDepot, LLC
09.2021 - 08.2022
- Championed the wholesale, direct, and retail channels by underwriting loan purchases and refinancing.
- Conducted reviews of FHA SUA, FHA Approved Condo, and FHA Full (Delrap, HRAP) and ensured compliance to regulatory standards and requirements.
- Assisted with review of VA approved condos and VA full review loans.
- Prepared reports and updates for VA and FHA condo departments.
- Validated accuracy of data entered into various agency portal databases, such as CPM and Encompass.
- Secured approvals for previously denied and or delayed condos by completing financial analysis and negotiating with FHA and VA.
- Reached monthly targets by building process for collecting outstanding requirements, developing relationships with agencies providing information, and adhering to timelines for finalizing underwriting tasks.
- Completed underwriting for loans escalated by leadership by leveraging key relationships with management companies, HOAs, FHA, and VA offices to gather outstanding information.
Presidents Club Condo Underwriter
Rocket Mortgage LLC
03.2019 - 09.2021
- Spearhead the quality and accuracy of funding of purchase and refinance loans by assessing the financial stability and market conditions for wholesale and retail clients.
- Review and verify submitted documentation to ensure adherence to finance and insurance requirements.
- Leverage in-depth knowledge of Fannie Mae, Freddie Mac, VA, FHA, and USDA to determine eligibility and complete analysis.
- Support management team with underwriting special cases.
- Salvaged key client relationships by expeditiously sourcing outstanding information to secure loans.
- Improved condo department operations by piloting new processes and system to streamline underwriting and communications.
- De-escalated various requests and external incidents by serving as single point of contact, ensuring clients and stakeholders are heard, and crafting agreeable solutions to issues.
Presidents Club Condo Communication Specialist
Quicken Loans Inc
09.2016 - 03.2019
- Supported with the clear and concise communication to clients of outstanding requirements and status of loan underwriting.
- Enabled underwriting team with content to articulate the underwriting processes.
- Facilitated collection and confirmation of information with insurance agencies, management companies, and realtors by performing follow up and preparing task lists.
- Promoted to underwriter position by demonstrating strong ability to verbally communicate with external groups to obtain required information.
Vendor Analyst
Quicken Loans
01.2015 - 09.2016
- Served as processor for the desktop box and mail team.
- Supervised three-person team responsible for organizing and coordinating verifications for sent remittances.
- Verified received information for purchase, refinance, and howling wolf loans.
- Processed employment verifications for howling wolf loans.
- Established process for initial and on-going verification of employment details.
- Prepared ad-hoc reports for management team.
- Achieved set monthly goals and target for every month.
Education
Licenses & Certifications Entrepreneurship Certificate -
Macomb Community College
Macomb, MICertificate in Business, Management, Marketing, and Technology -
Oakland Schools Technical Campus
Pontiac, MIAssociate - Human Resources
Davenport University
Warren, MI01.2017
Skills
- Condo Loan Underwriting
- Regulatory Compliance
- Financial Statement Analysis
- Client Management
- Stakeholder Engagement
- Fannie Mae and Freddie Mac
- Reporting
- Critical Problem Solving
- Process Improvement
- Customer Retention
- Good Communication Skills
- Customer Relationship Management (CRM)
- Telephone Etiquette
- Call Centers
Timeline
Condo Project Warranty Reopen Desk Specialist
CondoTek
05.2024 - Current
Customer Service Specialist
Flagpoles Etc
02.2023 - 05.2024
Condo Underwriter / Specialist III
LoanDepot, LLC
09.2021 - 08.2022
Presidents Club Condo Underwriter
Rocket Mortgage LLC
03.2019 - 09.2021
Presidents Club Condo Communication Specialist
Quicken Loans Inc
09.2016 - 03.2019
Vendor Analyst
Quicken Loans
01.2015 - 09.2016
Certificate in Business, Management, Marketing, and Technology -
Oakland Schools Technical Campus
Licenses & Certifications Entrepreneurship Certificate -
Macomb Community College
Associate - Human Resources
Davenport University
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