Summary
Overview
Work History
Education
Skills
Timeline
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Felicia Campfield

Atlanta,GA

Summary

Resourceful Account Manager with excellent client oversight, issue resolution and relationship-building expertise. Maximized repeat business opportunities and utilized proven prospecting techniques to expand client base. High-level sales cycle knowledge and strong collaborative skills leading to optimum outcomes. Highly experienced Mortgage Underwriter and Business Analyst. Skilled in assisting legal teams in litigations, investigating suspicious transactions, and monitoring to detect and prevent money-laundering activity. Proficient in troubleshooting abnormal data and ensuring accurate and timely data collection. Proven ability to analyze loan compliance with specific investor requirements for salability requirements. Demonstrated excellence in communication, problem-solving, and decision-making. Keep up to date with current laws, regulations, and practices in the Bank Secrecy Act, USA Patriot Act, and Anti-Money Laundering regulations. Strong leader with proficiency in growing professional network, influencing decision-makers and devising successful strategies.

Overview

10
10
years of professional experience

Work History

Account Manager

Whirlpool Corporation
05.2023 - Current
  • Schedule and confirm appointments/product and delivery dates accuracy.
  • Communicate with Builders/Apartment Communities/Government/Habitat to guarantee all promises were delivered.
  • Ensures compliance with Company policies and procedures. E.g., 'Managed approximately 50 incoming/outbound calls and emails and per day from customers.'
  • Evaluated client needs and developed tailored solutions to increase positive customer ratings.
  • Maintained high client retention rate by providing exceptional customer service and anticipating client needs.
  • Monitored and analyzed customer feedback to identify opportunities for improvement.
  • Consulted with businesses to supply accurate product and service information.
  • Attended monthly sales meetings and quarterly sales trainings.
  • Contributed to team objectives in fast-paced environment.
  • Served customers with knowledgeable, friendly support at every stage of shopping and purchasing.
  • Gained customer trust and confidence by demonstrating compelling, persuasive and composed professional demeanor.
  • Used analytical skills to track and report on account performance metrics, providing insights for future growth opportunities.

Mortgage Underwriter (New Construction)

(Aston Carter) AgFirst Farm Credit Bank
08.2021 - 01.2023
  • Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, credit worthiness, and collateral value.
  • Reviewed project budgets, blueprints, and construction contracts to ensure that they comply with investor and regulatory requirements. I have also reviewed and evaluated builder's qualifications, experience, and financial stability.
  • Provided comprehensive explanations of loan terms and conditions to clients, ensuring full understanding before finalizing agreements.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • My extensive experience in construction-to-permanent loans has equipped me with knowledge and skills necessary to assess risk and make sound underwriting decisions. I am committed to providing high-quality service and ensuring that loans are underwritten accurately and efficiently.
  • Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
  • Processed loan applications and monitored progress from start to finish.
  • Supported loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Reviewed appraisals, insurance, paystubs and title documents to verify accuracy and completeness.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Continuously sought opportunities for professional development, attending industry events and staying informed on regulatory changes that impact mortgage underwriting practices.
  • Identified issues, analyzed information and provided solutions to problems.
  • Skilled at working independently and collaboratively in a team environment.
  • Developed strong organizational and communication skills through coursework and volunteer activities.
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
  • Learned and adapted quickly to new technology and software applications.

Mortgage Underwriter

(Ashton Carter) Wintrust Bank
08.2020 - 06.2021
  • Review credit documentation to ensure compliance with investor standards, including number and type of trade-lines,
  • Repayment history, derogatory credit events, and minimum payments on obligations.
  • Underwrite various types of loans, such as Conventional, Jumbo up to 2 million, Subordinations, Single Family, Alt A, Condos, Fixed income sources.
  • Possess extensive experience in underwriting Fannie Mae and Freddie Mac loans.
  • Manage monthly pipeline of 52+ loans, including 2-3 new underwrites and 3 resubmits daily.
  • Analyze different types of income sources, including salaries, commissions, self-employment, investments, asset depletion, and

Mortgage Insurance Investigations Specialist

Genworth Mortgage Insurance
03.2020 - 02.2021
  • Generated reports detailing findings and recommendations.
  • Collected, arranged, and input information into database system.
  • Reviewing credit origination and closing documentation of pre-claim delinquent loans
    for compliance to underwriting guidelines at time of loan closing
  • Reviewing credit origination and closing documents for “red flags” requiring additional investigation up to and including engaging 3rd party vendors.
  • Ability to prioritize workflow completing pre-claim investigation to ensure timeline.
  • Sending and receiving documents as part of re-verification efforts
  • Reviewing re-verified documents for accuracy and compliance
  • Managing pipeline of loans to ensure timely processing, review, and accuracy.
  • Ability to effectively utilize discretion on loan level decisions.
  • Ability to work in multiple systems to capture all required reporting data fields.
  • Provide highest level of internal and external customer service.
  • Ability to meet and exceed production goals.

Mortgage Forensic Analyst

Opus Capital - WIPRO
03.2019 - 03.2020
  • Conducted forensic due diligence on residential and commercial loans to identify potentially fraudulent activities.
  • Utilized various tools and techniques to identify and analyze discrepancies in loan applications, income documents, and credit histories.
  • Researched public records to identify potential red flags, such as bankruptcy filings, liens, and judgments.
  • Analyzed appraisal reports and compared them with actual property values to identify any inconsistencies. Reviewed all residential property types, and all property valuation tools including and not limited to Collateral Desk Assessments and AVM's. Title reports, credit history, income docs, tax returns, and ensured that exceptions were within compliance and guidelines. Identified and analyzed complex financial transactions to determine their legitimacy and ensure compliance with regulations.
  • Prepared detailed reports and recommendations based on findings of forensic analysis to help clients make informed decisions.
  • Re-underwrote closed loans: Freddie Mac and Fannie Mae loans, as well as USDA, VA, High Cost, TRID, and FHA loans from Retail and Wholesale.
  • Calculated Loan to Value Ratios, Debt-To-Income Ratios, Residual Incomes, Payment Shock, and other pertinent measures of repayment ability.
  • Reviewed credit documentation to ensure compliance with investor standards on number/type of trade-lines, repayment history, derogatory credit events, and minimum payments on obligations.

Forensic Mortgage Underwriter

(AMC) American Mortgage Consultants, Inc
07.2018 - 03.2019
  • Approved loan applications based on customer credit worthiness and provided detailed financial advice.
  • Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Contributed to policy updates by staying current on market trends and sharing insights with underwriting team.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Maintained orderly records of all completed mortgage transactions, facilitating easy retrieval for future reference or audits.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout mortgage underwriting lifecycle.
  • Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
  • Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
  • Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.

Forensic/Due Diligence Underwriter

Opus Capital - WIPRO
06.2015 - 07.2018
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Managed a portfolio of high-risk clients, implementing tailored underwriting guidelines to minimize losses while maintaining growth opportunities.
  • Ensured compliance with regulatory requirements through diligent monitoring of industry changes and updating internal policies accordingly.
  • Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
  • Worked effectively in fast-paced environments.
  • Skilled at working independently and collaboratively in team environment.

Forensic Mortgage Underwriter

(AMC) American Mortgage Consultants Inc.
10.2015 - 01.2016
  • Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Maintained orderly records of all completed mortgage transactions, facilitating easy retrieval for future reference or audits.
  • Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout mortgage underwriting lifecycle.
  • Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.

Mortgage Underwriter

New Oak Capital
11.2014 - 06.2015
  • Collaborated with loan officers to clarify applicant information and expedite underwriting process.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
  • Supported loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
  • Monitored pipelines to track and log status of loans.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Compiled closing packages for drafting and presentation accuracy.

Financial Insurance Analyst

Allstate Insurance
08.2014 - 11.2014
  • Streamlined underwriting process for efficiency, resulting in faster policy issuance and increased customer satisfaction.
  • Conducted thorough risk assessments for accurate policy pricing, maintaining profitability while minimizing exposure to losses.
  • Modified, updated and processed existing policies.
  • Collaborated with claims adjusters to investigate and resolve disputed claims effectively, promoting client retention.
  • Effectively communicated complex policy information to clients, promoting understanding and confidence in coverage decisions.

Education

High School Diploma -

Alfred Ely Beach High School
Savannah
06.1988

Skills

  • Converting leads
  • Microsoft Excel
  • Policy renewal, Ethical decision making
  • Encompass, MortgageBot Sales Force, Clarity, Lender Live, Data Verify, PACER, Real Quest, DU-LP, GUS, OPTIS, Genesis 2000, Cash-Flow Analysis, Accuity, Image Flow, Risk Assessment, Time Tracker, Image Flow, Snag it, Workday, EClass, Core-Logic, Pro-Net, LexisNexis
  • Conventional, Government Mortgages - Conforming and Nonconforming Loans, Non-QM and Non-Agency (FHA, ARM, Bridge, JUMBO, USDA, VA), Account Service Excellence, Case Tracker Synergy, ECRM, Fiori, Genesys, Aspect, SAP/Worklist, Management, Workspace (ZNOM/ZEVENT/ZPART/VA03/VA02/VA01) Success Factors, PeopleNet and Kronos, ECRM, Fiori, Genesys, Aspect, SAP/Worklist, Management, Workspace (ZNOM/ZEVENT/ZPART/VA03/VA02/VA01) Success Factors
  • HMDA, TRID, CRA, RED, BLS Website, FRS, FIS, Protocol, GIS, Anti-Money Laundering Institutional Guidelines, Bk Secretary Act
  • Self Employed personal and business tax return analysis Communication, Problem-solving
  • Complaint Management, Forecasting abilities, Outbound telephone marketing, Internal Auditing, Client acquisition, Teamwork and Collaboration, Project Management, Data-driven decision-making

Timeline

Account Manager

Whirlpool Corporation
05.2023 - Current

Mortgage Underwriter (New Construction)

(Aston Carter) AgFirst Farm Credit Bank
08.2021 - 01.2023

Mortgage Underwriter

(Ashton Carter) Wintrust Bank
08.2020 - 06.2021

Mortgage Insurance Investigations Specialist

Genworth Mortgage Insurance
03.2020 - 02.2021

Mortgage Forensic Analyst

Opus Capital - WIPRO
03.2019 - 03.2020

Forensic Mortgage Underwriter

(AMC) American Mortgage Consultants, Inc
07.2018 - 03.2019

Forensic Mortgage Underwriter

(AMC) American Mortgage Consultants Inc.
10.2015 - 01.2016

Forensic/Due Diligence Underwriter

Opus Capital - WIPRO
06.2015 - 07.2018

Mortgage Underwriter

New Oak Capital
11.2014 - 06.2015

Financial Insurance Analyst

Allstate Insurance
08.2014 - 11.2014

High School Diploma -

Alfred Ely Beach High School

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Felicia Campfield