Elizabeth Walterhouse
Portland,OR
Summary
Accomplished Senior Mortgage Underwriter prepared for this role with expertise in financial analysis and risk assessment. Proven track record of enhancing loan quality and reducing approval turnaround time through effective communication and collaboration. Strong leadership skills and a commitment to professionalism drive successful outcomes in high-pressure environments.
Overview
18
18
years of professional experience
Work History
Senior Mortgage Underwriter
California Coast Credit Union
03.2017 - Current
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower's creditworthiness and risk factors. and made careful determinations based on borrower's creditworthiness and risk factor.
- Skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Monitored pipelines 50-100 to track and log status of loans.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
- Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
- Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Contributed to the development of departmental guidelines and procedures by actively participating in meetings and sharing expertise as needed.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower's creditworthiness and risk factors.
Senior Mortgage Loan Processor
Skyline Home Loans
01.2015 - 02.2017
- Analyzed financial statements, credit reports and income statements to verify accuracy and contacted institutions and customers to clarify details.
- Delivered exceptional results under tight deadlines while maintaining a high standard of quality control throughout each stage of the loan process.
- Maintained a pipeline of 20-50 loans per month.
- Handled loan conditions sent from underwriting department.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process with effective communication.
Senior Mortgage Loan Processor
US Bank Home Mortgage
01.2011 - 01.2015
- Managed a 100 pipeline of loans, prioritizing tasks to ensure deadlines were met consistently.
- Reviewed complex financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Delivered exceptional results under tight deadlines while maintaining a high standard of quality control throughout each stage of the loan process.
- Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
- Provided comprehensive support to loan officers, ensuring they had all necessary information to make informed decisions on mortgage applications.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process with effective communication.
- Ensured compliance with industry regulations by staying up to date on changes in policies and guidelines related to mortgage lending.
Mortgage Loan Underwriter
Chase Home Loans
03.2007 - 04.2010
- Collaborated with loan officers to resolve discrepancies in application materials, streamlining the approval process.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Monitored pipelines of 100+ to track and log status of loans.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
Education
GED -
Mira Costa College
Oceanside, CA06.1995
Skills
- Financial analysis proficiency
- Analytical and critical thinking
- Credit report interpretation
- Underwriting guidelines
- Risk assessment
- Quality control measures
- Teamwork and collaboration
- Time management abilities
- Effective communication
- Leadership skills
Languages
English
Full Professional
Timeline
Senior Mortgage Underwriter
California Coast Credit Union
03.2017 - Current
Senior Mortgage Loan Processor
Skyline Home Loans
01.2015 - 02.2017
Senior Mortgage Loan Processor
US Bank Home Mortgage
01.2011 - 01.2015
Mortgage Loan Underwriter
Chase Home Loans
03.2007 - 04.2010
GED -
Mira Costa College
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