Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

ERIN PORTER ALLEN

Rocklin,CA

Summary

To increase my capabilities in the underwriting functions and to successfully move into more strategic positions including high profile credit administrative and management levels.  Trustworthy and ethical, I am committed to meeting strict deadlines by using a results-driven, focused approach as well as the ability to handle multiple projects and initiatives concurrently. Confident and poised in interactions with individuals at all levels; I provide outstanding customer service, successful follow up, and strong quality and production results.

Overview

20
20
years of professional experience
1
1
Certification

Work History

Senior Underwriter

Accenture Credit Services
Rancho Cordova , California
11 2016 - Current
  • Exceed monthly production goal month over month
  • High quality and guideline adherence- less than 0.5% defect rate in 12 months
  • Review of applications within given SLA timeframe with focus on escalations and high priority loans
  • Communication directly with customers to coordinate items needed or discuss decision details
  • Analysis of loans subject to Credit Administrative team for guideline waiver requests
  • Application income analysis includes complex self-employment income for all business filing types and review of tax returns, profit and loss statements, and balance sheets
  • Additional expertise in trust review, appraisal, and title

Underwriter

Accenture Credit Services
Rancho Cordova, California
08.2015 - 12.2016
  • Strong production goal results- met month over month since start of role
  • Emphasis on quality including zero defects since early May 2016 – August 2017
  • Underwrite complex loans including sole proprietor self-employment and complex rental analysis
  • Examine loan documents for accuracy and completeness
  • Work with loan originator and production staff to obtain all required documents
  • Provide one-on-one and group training to junior underwriting and processing staff
  • Authority to withdraw and decline loans
  • Develop and recommend modifications to underwriting and production procedures


Home Services Specialist III

Accenture Credit Services
Rancho Cordova , California
08.2015 - 10.2015
  • Lead Second Reviewer evaluating applications from newly- trained processing teams and evaluating for guideline adherence and providing feedback to both loan specialist and higher management with review findings
  • Continued Level C3 rental income processing authority ; withdraw and decline authority

Home Services Specialist III

Bank of America Home Loans
Rancho Cordova, California
12.2013 - 10.2015
  • Credit signing authority up to Level C3 rental income analysis
  • Decline authority utilized for adverse notifications
  • Responsible for clearing conditions and issuing changes to the terms on previously approved loans
  • Resolves title issues, including vesting issues, child support liens, judgment liens, undisclosed liens reconveyances, and appraisal disputes
  • Maintain pipeline of over 40 home equity loans in pipeline while receiving Tier 1 stack ranking month-over-month
  • Mentor and loan reviewer for newly-trained processing teams ensuring guideline and risk mitigation adherence

Business Support Specialist

Bank of America Home Loans
Rancho Cordova , CA
10.2012 - 12.2013
  • Co-champion for call monitoring results and training for consistent, exquisite customer service
  • In-depth production and quality reporting to team/unit leaders to increase results and track progress toward set goals
  • Review and audit workflow processes with peers for better execution and efficiency
  • Expert at workflow management and adherence
  • Primary contact for site technology, including enhancements and support.

Administrative Assistant III

Bank of America Home Loans
Rancho Cordova , California
12.2006 - 10.2012
  • Provide support to the site leader of the Platinum Privilege Fulfillment Team, responsible for 125 associates
  • Human resource support; on-boarding, new hire training, associate separation, leave of absence tracking, workers' compensation, and pay
  • Direct all hardware resources utilization, facilities management, workplace safety, site security, customer information privacy protection protocols, and leadership travel and scheduling
  • Site spirit champion for the Associate Engagement team working with site leadership as well as divisional teammates to create a motivated and positive workplace environment
  • Additional roles included interim site adherence leader for Sacramento Area Operations Center- manage loan compliance and application SLA adherence, coordinate associate training, and organize data and reporting for associate and management use
  • Official start date on May 7, 2007 although previous 6 months on-board as a contractor with Aerotek Contracting agency

Senior Loan Processor/Office Manager

Trisis Lending, Inc
Folsom, California
06.2006 - 11.2006
  • Responsible for successfully closing all loans in the pipeline
  • Work closely with numerous elite local realtors to build relationships with clients and quickly close loans with strict escrow deadlines
  • Accountable for organizing and managing successful lead sources, designing effective advertising material, and executing strategic operational plans for marketing

Senior Loan Processor/ Office Manager

Park Place Financial, Inc
Folsom, California
08.2005 - 02.2006
  • Sole loan specialist in a small office (corporate office in Pleasanton, CA)
  • Conduct all office operations; customer service, close network communication with all lenders, realtors, closing agents, and marketing services, develop and implement business marketing strategies, compile daily pipeline report for the corporate office and all branch employees, conduct interviews for potential workforce

Junior Loan Processor/General Office Administrator

Sacramento Mortgage, Inc
Rio Linda, California
03.2005 - 08.2005
  • A high volume office with a medium size staff, including telemarketers and support staff
  • Began as an assistant to President/Owner and quickly promoted to Junior Processor responsible for handling and closing 4-5 loans per week
  • Also performed administrative and marketing duties, which included writing creative marketing letters and newspaper advertisements

Education

B.S. - Business Administration General Management

California State University
Sacramento
2016

Skills

    • Strong working knowledge of operational aspects
    • Comprehension of guidelines and procedures
    • Risk management and focus on identifying possible red flags
    • Critical attention to detail
    • Passion for organization and creativity


  • Ability to keep client and personnel conversations and escalations confidential
  • Handle escalations and involve appropriate additional personnel as needed to ensure successful outcomes
  • Outstanding problem solving and communication

Certification

Registered with the Safe Act and have current NMLS

Timeline

Underwriter

Accenture Credit Services
08.2015 - 12.2016

Home Services Specialist III

Accenture Credit Services
08.2015 - 10.2015

Home Services Specialist III

Bank of America Home Loans
12.2013 - 10.2015

Business Support Specialist

Bank of America Home Loans
10.2012 - 12.2013

Administrative Assistant III

Bank of America Home Loans
12.2006 - 10.2012

Senior Loan Processor/Office Manager

Trisis Lending, Inc
06.2006 - 11.2006

Senior Loan Processor/ Office Manager

Park Place Financial, Inc
08.2005 - 02.2006

Junior Loan Processor/General Office Administrator

Sacramento Mortgage, Inc
03.2005 - 08.2005

Senior Underwriter

Accenture Credit Services
11 2016 - Current

B.S. - Business Administration General Management

California State University

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