Erin Macdonald

Evaluated loan applications for creditworthiness and compliance with underwriting guidelines. Analyzed financial statements to assess borrower risk and repayment capacity. Reduced risk exposure for the company through thorough analysis of borrowers'' credit history, income, and collateral capabilities. Mitigated potential losses through diligent identification of irregularities in loan underwriting processes and credit risk assessments. Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards. Improved efficiency in the underwriting department by providing timely and accurate administrative support.

Responsibilities encompassed the entire brewing process, from initial raw material handling to final product quality assurance. My role demanded proficiency in operating and maintaining a wide range of brewing equipment, including fomenters, filtration systems, and control systems, all while adhering strictly to established safety and sanitation protocols. A critical aspect of this position was the ability to perform effective troubleshooting, addressing unforeseen process issues with urgency and precision. My experience spanned various areas within the brewery, including raw material unloading and inventory management, batching and kitting operations, laboratory analyses, filtration processes, and control room monitoring. This diverse experience fostered a strong understanding of the entire production workflow. This position required meticulous attention to detail, a solid understanding of mechanical systems, and the proven ability to thrive in a fast-paced, demanding environment. I consistently applied standard operating procedures to ensure consistent product quality and operational efficiency.

Oversaw loan processing workflows to ensure compliance with underwriting guidelines and regulatory requirements. Coordinated communication between clients, real estate agents, and underwriters to facilitate loan approvals.Utilized Encompass software for tracking loan status and managing borrower information effectively. Analyzed complex financial documents to assess borrower eligibility and mitigate risk factors. Collaborated with team members to meet monthly targets, contributing to the overall success of the department. Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.

Managed a pipeline average of 180 or more loans and worked diligently to meet and exceed performance goals. Processed VA IRRRL loans which required collecting documents that were sent to underwriters for approval. Followed all Federal, State, VA and Loan Depot guidelines. Generated closing documents. Reviewed credit reports, verified income and foresee any stipulations underwriter may need to approve application. Gained the ability to final approve loans after underwriting had made a decision after documents received and reviewed and income completed.

Responsible for processing home loan applications. Daily functions include: timely and clear communication with customers, banker’s, underwriters, and closer's to process application; submitting documentation needed for underwriting to place a decision on the application ; ensuring all compliance and underwriting guidelines are met; communicating accurate information to the customer; following up with team members and customers in a timely manner to ensure excellent customer service and timely processing of the application.