Georgia Schroeder
Summary
Accomplished Wholesale Underwriter with a proven track record, adept in risk management and enhancing team performance. Expertise in analyzing data and fostering strong relationships, significantly reducing company losses. Skilled in documentation review and credit analysis, demonstrating a results-driven approach with a focus on strategic risk assessment and customer service excellence.
Overview
14
14
years of professional experience
Work History
Wholesale Underwriter
Motive Lending
06.2015 - 09.2020
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Retail Underwriter
US Bank Home Mortgage
09.2012 - 06.2015
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Built strong relationships with lenders, brokers and clients for constructive communications.
Conventional Wholesale Underwriter III
Wells Fargo Bank, N.A.
12.2009 - 08.2012
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Determined and documented loan conditions and communicated requirements and decisions.
Wholesale Underwriter
JP Morgan Chase
07.2006 - 11.2009
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
Education
No Degree - Business
Cypress College
Cypress, Ca05.1990
Skills
- Underwriting guidelines
- Analyzing data
- Documentation Review
- Risk Assessment
- Credit analysis
- Sales Support
- Risk Management
- Pricing
- Sales
- Tax Experience
Timeline
Wholesale Underwriter
Motive Lending
06.2015 - 09.2020
Retail Underwriter
US Bank Home Mortgage
09.2012 - 06.2015
Conventional Wholesale Underwriter III
Wells Fargo Bank, N.A.
12.2009 - 08.2012
Wholesale Underwriter
JP Morgan Chase
07.2006 - 11.2009
No Degree - Business
Cypress College
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