Erika Sikes
Bellbrook,OH
Summary
Enthusiastic junior underwriter / mortgage loan processor eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Clear understanding of mortgage lending and training in regulations. Motivated to learn, grow and excel in any industry that offers a challenge.
Overview
8
8
years of professional experience
Work History
Assistant Underwriter
Fairway Independent Mortgage Corporation.
Greenwood Village, CO
10.2020 - 08.2022
- Served as back-up underwriter for team of 9 underwriters
- Completed clear-to-close on 10-15 conventional & FHA files per business day
- Verified data integrity and accuracy.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Junior Underwriter / Mortgage Loan Processor
Pivot Lending Group
Littleton, Colorado
07.2017 - 04.2020
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering conventional, FHA, USDA, VA and Portfolio loans.
Mortgage Loan Processor
Fairway Independent Mortgage Corporation
Greenwood Village, Colorado
06.2016 - 06.2017
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Set up and completed loan submission packages.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Communicated with originator and applicant concerning progress of loan file.
Mortgage Loan Processor
M2 Lending Solutions
Denver, Colorado
11.2015 - 06.2016
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close.
- Handled any conditions sent from underwriting departments.
Mortgage Loan Processor
Urban Lending Solutions
Broomfield, Colorado
09.2012 - 07.2014
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Evaluated approvals against established bank and government lending standards.
- Verified credit histories, personal references and employment backgrounds for each applicant.
Education
High School Diploma -
Broomfield High School
Broomfield, Colorado06.1994
Skills
- Underwriting Guidelines
- Analytical Thinking
- Loss protection
- Data analysis
- Inspection reviews
- Relationship building
- Risk management
- Trend Analysis
- Time management
- Excellent Communication
- Dependable and Responsible
- Teamwork and Collaboration
Timeline
Assistant Underwriter
Fairway Independent Mortgage Corporation.
10.2020 - 08.2022
Junior Underwriter / Mortgage Loan Processor
Pivot Lending Group
07.2017 - 04.2020
Mortgage Loan Processor
Fairway Independent Mortgage Corporation
06.2016 - 06.2017
Mortgage Loan Processor
M2 Lending Solutions
11.2015 - 06.2016
Mortgage Loan Processor
Urban Lending Solutions
09.2012 - 07.2014
High School Diploma -
Broomfield High School
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