Dawn White
Jersey City,NJ
Summary
I am looking to expand my analytical and credit risk assessment skills to other areas of underwriting or administrative roles. I have undergone specific training to gain knowledge in each field to achieve this.
Overview
8
8
years of professional experience
Work History
Quality Control Underwriter
BMG
02.2024 - 05.2025
- Reviewed mortgage files for accuracy and compliance with investor and agency guidelines.
- Conducted quality control audits on closed loans to identify risks and ensure adherence to company policies.
- Analyzed credit, income, and collateral documentation to confirm underwriting standards.
- Collaborated with management to provide feedback and recommendations for process improvements.
- Maintained detailed reporting of audit findings and supported training efforts to improve loan quality
Assistant Community Manager
The Liberty Group Apartment Staffing
Jersey City
01.2023 - 05.2025
- Assisted the property manager with daily operations, leasing activities, and tenant relations.
- Oversaw rent collection, delinquency tracking, and lease renewals.
- Coordinated maintenance requests and ensured timely resolution for resident satisfaction.
- Supported marketing initiatives and community engagement efforts to attract and retain residents.
- Supervised leasing staff and ensured compliance with company policies and housing regulations.
- Handled financial reporting, budgets, and monthly occupancy reports
Seasonal Pantry Coordinator
Compass Group/Levy Restaurants
07.2017 - 03.2022
- Facilitated the smooth function of the premium suite food and beverage department.
- Utilization of POS system/ assigned orders to runners and attendants.
- Conducted premium suites office accounts receivables and product inventory control.
- Maintained health, safety, and sanitation standards throughout work areas.
- Ensured sufficient product levels to service events and surveying restocks as needed.
- Answering phones and providing customer service in a friendly, professional manner.
- Preparation of guest checks, invoices for premium suites, and other reports via the point-of-sale system.
- Completing financial reporting.
- Maintained customer appreciation and retention for orders and premium suite bookings.
Underwriter
International Continental Group
05.2020 - 02.2022
- Performed thorough application assessments and completed credit packages.
- Calculated income for self-employed, W-2, and asset-based income borrowers.
- Appraisal analysis to support home value.
- Set pre-closing conditions, Reviewed, and cleared conditions.
- Prepared and cleared the loan for closing.
- Effectively communicated with Loan Processors and Management.
- Restructured loans or present counteroffers that followed acceptable risks.
- Reviewed LTV, rate locks, credit scores, and net tangible benefits per state requirements.
- Accomplished 2-4 New underwrites 7-15 resubmittal 18-30 closings.
- Inspected documentation for compliance with internal and external guidelines such as Fannie Mae (FNMA), and Freddie Mac (FHLMC).
Executive Assistant/Event Planner
Greater Charlotte Apartment Association
01.2019 - 09.2019
- Acted as the point of contact among executives, employees, vendors, and members.
- Organization, ordering, and maintenance of office supplies and staff needs.
- Prepare classrooms, registrations, and venues for CALP, CAM, and CMT courses.
- Accounts receivable management.
- Greets members, vendors, board members, and visitors.
- Planned coordinated, and maintained a wide range of clerical, secretarial, and administrative tasks.
Leasing Agent
The Liberty Group
05.2017 - 09.2018
- Warmly greets visitors, prospective renters, and current residents.
- Provides potential tenants with brochures, leasing information, and tours of model apartment amenities.
- Call or visit competitive properties to update the market survey on a monthly basis.
- Stay informed and aware of rents, specials, and events promoted by competitors.
- Coordinated move-ins and move-outs and communicated with tenants to achieve maximum service satisfaction.
- Developed promotional materials to attract new tenants via social media marketing.
- Crafted and designed community events for future and current tenant enjoyment.
- Follow-up with current tenants after maintenance requests to ensure retention is gained.
- Development of Lease and Lease renewals while providing exceptional customer services.
Education
B. S - HEALTH and SOCIETY/PSYCHOLOGY
SUNY OLD.WESTBURY
commercial underwriting certificate -
Udemy
credit risk analysis -
Udemy
appraisal underwriting - the basics
Genworth/enact
appraisal underwriting - ii- focus on the sales comparison
Genworth/enact
FHA direct endorsement underwriting -
capstone institute
understanding FHA loans (processing) -
capstone institute
Skills
- Pipeline control
- Manual underwriting
- Empathic
- KYC (Know Your Customer)
- Compliance and Due Diligence
- Credit risk assessment
- Income analysis
- Microsoft
- Excel
- PowerPoint
- Word
- Data verify
- CoreLogic
- Unifi
- Zippy
- Calyx
- Kaizen
- Loan Soft
- Tango
- DU (Desktop Underwriter)
- LP (Loan Prospector)
- FHA Catalyst
- Atlassian
- Jira
- Yardi
- Rent Cafe
Personal Information
Timeline
Quality Control Underwriter
BMG
02.2024 - 05.2025
Assistant Community Manager
The Liberty Group Apartment Staffing
01.2023 - 05.2025
Underwriter
International Continental Group
05.2020 - 02.2022
Executive Assistant/Event Planner
Greater Charlotte Apartment Association
01.2019 - 09.2019
Seasonal Pantry Coordinator
Compass Group/Levy Restaurants
07.2017 - 03.2022
Leasing Agent
The Liberty Group
05.2017 - 09.2018
B. S - HEALTH and SOCIETY/PSYCHOLOGY
SUNY OLD.WESTBURY
commercial underwriting certificate -
Udemy
credit risk analysis -
Udemy
appraisal underwriting - the basics
Genworth/enact
appraisal underwriting - ii- focus on the sales comparison
Genworth/enact
FHA direct endorsement underwriting -
capstone institute
understanding FHA loans (processing) -
capstone institute
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