Diane Vutech
Summary
Accomplished Home Equity Senior Underwriter with over 3 years of experience on the research/escalation team and 8 plus years as an Education Finance Underwriter consistently surpassing team goals and company performance standards. Deep understanding of income and credit policies, making sound credit decisions, and ensuring compliance with banking regulations. Skilled in reviewing documents, conducting risk assessments, and applying acceptance criteria to drive successful outcomes. In addition, 9 years proven success as a Mortgage Originator.
Overview
19
19
years of professional experience
Work History
Home Equity Senior Underwriter
Citizens Bank
11.2021 - Current
- Review all loan applications for final decisions in accordance with regulatory guidelines, HMDA, Reg B, ECOA and FCRA.
- Analyze individual credit for reinstatement of suspended lines of credit.
- Effectively handle home equity exceptions.
- High lending authority.
- Work efficiently and effectively with underwriters, bankers, and processors to escalate counteroffers and documents needed to bring loans to closing.
Underwriter-Education Finance
Citizens Bank
10.2014 - 11.2021
- Underwrote student loan applications with strict attention to federal lending guidelines, income and credit policies.
- Ability to analyze credit reports, financial statements, complex income and tax returns to determine repayment capability.
- Made credit decisions using sound judgment and critical thinking skills
- Critical team player with high lending and exception authority
LOAN OFFICER
Norcom Mortgage/formally Evolve Bank And Trust
10.2013 - 09.2014
- Originated conventional, FHA and second mortgages in 52 states using internet and telemarketing leads
- Obtained and compiled credit histories, financial statements and property evaluations to determine loan program and approval.
LOAN OFFICER
Embrace Home Loans
05.2006 - 09.2013
- Individual and team awards for top sales, revenue, and appraisals
- Originated and managed pipeline of Conventional, FHA, VA and second mortgages from inbound marketing leads
- Comprehensive knowledge of loan process from origination, processing, underwriting, to closing
Education
Master of Arts - Elementary Education
Rhode Island College
Bachelor of Science - Hotel And Restaurant Management
University of New Hampshire
Skills
- Detail orientated
- self-motivated/independent worker
- Team player
- Critical thinker
Timeline
Home Equity Senior Underwriter
Citizens Bank
11.2021 - Current
Underwriter-Education Finance
Citizens Bank
10.2014 - 11.2021
LOAN OFFICER
Norcom Mortgage/formally Evolve Bank And Trust
10.2013 - 09.2014
LOAN OFFICER
Embrace Home Loans
05.2006 - 09.2013
Bachelor of Science - Hotel And Restaurant Management
University of New Hampshire
Master of Arts - Elementary Education
Rhode Island College
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