Elizabeth McCallum
Somerville,NJ
Summary
Reliable business professional with experience in project management, process improvement and financial analysis. Proven track record of successfully streamlining business operations. Adept at analyzing data to identify trends and developing strategies to improve efficiency.
Overview
22
22
years of professional experience
Work History
Foreign Exchange Settlement, Administrator
MUFG
07.2023 - Current
- Handled sensitive information discreetly, maintaining strict confidentiality at all times as required by company policy or legal regulations.
- Organized workflow and delegated tasks effectively to ensure timely project completion without compromising quality.
- Provided exceptional customer service to internal stakeholders through prompt response times and thorough issue resolution efforts.
- Improved employee productivity with effective time management strategies for daily tasks.
Loan Partner
CrossCountry Mortgage, LLC
01.2022 - 01.2023
- Helped identify proper loan program and pricing to meet each customer’s needs resulting in the highest number of successful loan applications on the team
- Decreased quality issues by 10% by reviewing all loan package documentation for discrepancies, omissions, and accurate/thorough income calculations
- Processed loans from initial disclosures through to loan closing procedures immediately gaining increased responsibilities due to exceptional follow-through and consistent efficiency
- Technical document authoring skills allowed for preparation of all documentation necessary for verifications and underwriting such as loan files, loan packages, credit reports, and additional mortgage application paperwork
- Followed up and respond to customer and in-house inquiries on transactions as needed in order to provide superior customer service as evidenced by 100% positive customer feedback.
Underwriter I
US Bank
06.2019 - 01.2022
- Analyzed residential mortgage loan applications to ensure customers met the Fannie Mae & Freddie conventional requirements for home purchases and refinances
- Approved, denied or suspended residential mortgage loan applications based on credit, income, assets and equity in property
- Ensured minimal risk by following conventional and US Bank underwriting guidelines.
Sr. Loan Processor
US Bank
03.2019 - 06.2019
- Reviewed and prepared loan application to get them decisioned by Underwriting team
- Customer service expert reviewing any mortgage commitments and loan status to meet closing dates
- Lead weekly pipeline meetings with Loan Officers & Managers to go over status of files in my pipeline.
Certified Credit Processor
EverBank / TIAA Bank
10.2014 - 03.2019
- Senior Mortgage Loan Processor, with the added responsibility of making credit decisions on a confirming mortgage loan applications due to above and beyond quality, integrity and attention to detail
- Approved, denied and signed off on mortgage loan conditions that met the program requirements and worked with the borrowers to ensure that their mortgage loan experience was exceptional
- Communicated Fannie Mae and Freddie Mac home mortgage guidelines for a conventional, full document, purchase, and refinance home mortgage transaction, for both internal and external customers.
Processing Manager
EverBank / TIAA Bank
05.2013 - 10.2014
- Managed a Mortgage Loan Processing teams of 12 Loan Processors who supported loan production for a Mortgage Retail Lending Team
- Performed Pipeline management for the processing team by distributing reports helping to manage day to day activity for my team to ensure service level agreements were being meet
- Responsibilities included maximizing the number of complete and approved applications from origination team
- Provided guidance on issues that arose between loan approval and loan closings
- Ensured processors were properly reviewing underwriting decisions and confirming customers’ ability to satisfy conditions on loans within their pipelines
- Worked with Sales Managers to keep active loans moving swiftly through the process
- Established, documented, and performed quality control checks on loans in process
- Set annual and monthly goals for direct reports.
Mortgage Loan Processor III
EverBank / TIAA Bank
09.2012 - 05.2013
- Granted CCA I, authority, which allowed me to clear credit and asset conditions for approved loans
- Made rational risk based decisions with regards to underwriting and processing determinations
- Had higher level of accountability due to higher level of responsibility and industry knowledge.
Sr. Mortgage Processor
CALIBER FUNDING
03.2012 - 09.2012
- Primary liaison between borrower and inside operations staff, providing up-to-date status on all loans in my pipeline.
Mortgage Loan Specialist III
METLIFE HOME LOANS
12.2010 - 03.2012
- Processed mortgage loans according to timelines, the Standard Process Flow, federal regulations and procedures
- Consistently notified the customer and Mortgage Consultant on the status of the loan.
Mortgage Loan Specialist II
METLIFE HOME LOANS
01.2009 - 12.2010
- Ensured all fees were accurately disclosed to meet RESPA and legal state requirements.
Mortgage Specialist I
AURORA LOAN SERVICES – A Lehman Brothers Bank Company
01.2007 - 01.2008
- Communicated with all East Coast brokers to provide a seamless loan approval process that ensured complete customer satisfaction
- Designated by management to participate on an Integrated Customer Experience (ICE) team designed to develop better relationships and support throughout the loan approval process.
Underwriter III
Irwin Home Equity
01.2006 - 01.2007
- Approved and denied 1st, 2nd and Home Equity Lines of Credit for home loan applications in accordance with investor and company guidelines.
Senior Underwriter Trainee
AURORA LOAN SERVICES – A Lehman Brothers Bank Company
01.2005 - 01.2006
- Trained with Credit Policy mentors to properly underwrite conventional loans
- Educated Brokers with the proper and full understanding of the Underwriting Guidelines
- Lead and assisted team in achieving monthly projections and goals; averaged monthly closed & funded $45-$52 million.
Junior Underwriter
US MORTGAGE
01.2003 - 01.2005
- Approved conventional, fixed and adjustable-rate mortgage loans through the Fannie Mae Desktop Underwriting system
- Utilized loan programs allowing qualification for stated income, stated asset and no documentation loans
- Analyzed credit reports, financial assets, income, and home appraisals.
Education
Bachelor of Science in Marketing -
University of Scranton
05.2003
Skills
- Customer Service
- Attention to Detail
- MS Office
- Decision-Making
- Team Building and Leadership
- Personable and Approachable
- Data Confidentiality
- Work Planning and Prioritization
- Document Control
- Multiple Priorities Management
- Organizational Skills
- Multitasking
- Teamwork and Collaboration
- Task Prioritization
- Written Communication
- Time Management
- Problem-Solving
- Data Analysis
- Issue Research
- Desktop Underwriting Systems, AUS-Fannie & Freddie, Encompass Loan Origination System
- Manually Underwrite Home Loan
Timeline
Foreign Exchange Settlement, Administrator
MUFG
07.2023 - Current
Loan Partner
CrossCountry Mortgage, LLC
01.2022 - 01.2023
Underwriter I
US Bank
06.2019 - 01.2022
Sr. Loan Processor
US Bank
03.2019 - 06.2019
Certified Credit Processor
EverBank / TIAA Bank
10.2014 - 03.2019
Processing Manager
EverBank / TIAA Bank
05.2013 - 10.2014
Mortgage Loan Processor III
EverBank / TIAA Bank
09.2012 - 05.2013
Sr. Mortgage Processor
CALIBER FUNDING
03.2012 - 09.2012
Mortgage Loan Specialist III
METLIFE HOME LOANS
12.2010 - 03.2012
Mortgage Loan Specialist II
METLIFE HOME LOANS
01.2009 - 12.2010
Mortgage Specialist I
AURORA LOAN SERVICES – A Lehman Brothers Bank Company
01.2007 - 01.2008
Underwriter III
Irwin Home Equity
01.2006 - 01.2007
Senior Underwriter Trainee
AURORA LOAN SERVICES – A Lehman Brothers Bank Company
01.2005 - 01.2006
Junior Underwriter
US MORTGAGE
01.2003 - 01.2005
Bachelor of Science in Marketing -
University of Scranton