Eunice Crouch
Buckeye,AZ
Summary
Dedicated Mortgage Underwriter with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
18
18
years of professional experience
Work History
Mortgage Loan Underwriter
Nations Lending Corporation
Independence , OH
03.2021 - Current
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Maintained mortgage program compliance with federal agencies such as FHLMC and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Verified integrity of applicants' information to minimize fraud.
Jr. Underwriter From Account Executive
Paramount Mortgage Group
Phoenix, AZ
04.2020 - 03.2021
- Monitored pipelines to track and log status of loans.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Created plans and communicated deadlines to complete projects on time.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Supervisor and Nutrition Counselor
Jenny Craig Weight Loss Center
Denver, CO
06.2018 - 03.2020
- Educated clients about long-term health benefits of balanced diets and exercise programs.
- Produced clear and concise meal and exercise plans for clients based on specific dietary needs and medical requirements.
- Assessed clients' nutritional and health statuses to prescribe appropriate eating and exercise plans.
- Provided in-depth information on nutritional care to maximize health.
Senior Loan Processor
Fairway Independent Mortgage
Denver, CO
04.2017 - 04.2018
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies and government clerks.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering conventional and government loans.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Set up and completed loan submission packages.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Conducted pre-funding and funding activities for over 45 monthly applications.
Team Lead -Processing
Urban Lending Solutions
Broomfield, CO
04.2016 - 01.2017
- Developed and maintained strong client relationships to deliver exceptional customer service and problem resolution.
- Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals.
- Controlled costs and optimized spending via restructuring of budgets for labor, capital assets, inventory purchasing and technology upgrades.
- Developed and maintained relationships with customers and suppliers through account development.
- Accomplished multiple tasks within established timeframes.
- Cross-trained existing employees to maximize team agility and performance.
- Recruited and hired top performers to add talent and value to department.
- Performed statistical analyses to gather data for operational and forecast team needs.
- Applied customer feedback to develop process improvements and support long-term business needs.
- Evaluated employees' strengths and assigned tasks based upon experience and training.
- Kept detailed records of daily progress to identify and correct areas needing improvement.
- Onboarded new employees with training and new hire documentation.
- Maximized performance by monitoring daily activities and mentoring team members.
- Maintained professional, organized and safe environment for employees and patrons.
- Reduced process bottlenecks by training and coaching employees on practices, procedures and performance strategies.
Senior Loan Processor
Universal Lending Corporation
Denver, CO
02.2015 - 01.2016
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies and government clerks.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering all loan types.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Provided quick turnaround times to maintain fast-past schedule.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
Education
Bachelor of Science - Business Administration
University of Colorado At Boulder
Boulder, COSkills
- Loan Feasibility Assessment
- Corporate Financial Statements
- Application Review
- Property Evaluation
- Income Evaluation
- Automated Underwriting System (AUS)
- Credit History Review
- Financial History Analysis
- Creditworthiness Determination
- Multitasking and Prioritization
- Performance Assessment and Improvement
Timeline
Mortgage Loan Underwriter
Nations Lending Corporation
03.2021 - Current
Jr. Underwriter From Account Executive
Paramount Mortgage Group
04.2020 - 03.2021
Supervisor and Nutrition Counselor
Jenny Craig Weight Loss Center
06.2018 - 03.2020
Senior Loan Processor
Fairway Independent Mortgage
04.2017 - 04.2018
Team Lead -Processing
Urban Lending Solutions
04.2016 - 01.2017
Senior Loan Processor
Universal Lending Corporation
02.2015 - 01.2016
Bachelor of Science - Business Administration
University of Colorado At Boulder
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