Ginger Rouse
Summary
Seasoned mortgage professional with over 25 years of on the job experience and a proven track record at PNC Financial Services, adept in underwriting guidelines and exceptional customer service. Skilled in transforming complex financial data into actionable strategies, leading to increased customer satisfaction and streamlined loan processing, underwriting and approval. Demonstrated ability to collaborate effectively, ensuring compliance and profitability with a keen eye for detail and problem-solving.
Overview
13
13
years of professional experience
Work History
Finance Manager
Pinnacle Motorsports LLC
02.2024 - Current
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Ensured compliance with federal regulations and company policies regarding power sport financing transactions.
- Collaborated with sales managers to develop effective strategies for overcoming financial obstacles during power sport negotiations.
- Assisted customers with challenging credit histories in securing suitable loan options to facilitate power sport purchases.
- Maximized profitability by negotiating and structuring optimal power sport financing deals.
- Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
- Demonstrated expertise in various financial products, creating tailored presentations for customers, showcasing the benefits of specific financing plans based on their unique needs.
- Conducted regular reviews of customer credit applications to maintain accuracy and integrity in the approval process.
- Provided exceptional customer service by addressing inquiries promptly, resolving issues efficiently, and maintaining open communication throughout the financing process.
- Supported sales objectives, collaborating with sales team to identify opportunities for finance-related upsells.
- Increased repeat business by establishing trust and rapport with customers through transparent and ethical finance practices.
- Tailored finance packages to meet individual customer needs, fostering positive buying experience.
- Processed loan applications and monitored progress from start to finish.
Mortgage Underwriter II
PNC Financial Services Group Inc
07.2021 - 09.2023
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Supported compliance with federal and state regulations by keeping abreast of changes and updating underwriting procedures accordingly.
Mortgage Underwriter II
BBVA USA / BBVA Compass
09.2016 - 07.2021
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Supported compliance with federal and state regulations by keeping abreast of changes and updating underwriting procedures accordingly.
- Worked with BBVA until the purchase of the company by PNC Financial and moved on to stay with PNC.
Mortgage Processor and Underwriter
Regions Bank
05.2011 - 09.2016
- Optimized workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.
- Collaborated closely with underwriters to expedite loan approvals, resulting in increased productivity.
- Reduced loan application processing time by diligently reviewing and verifying applicant information.
- Mitigated risks for financial institutions by conducting comprehensive background checks on potential borrowers.
- Set up and completed loan submission packages.
- Contributed to the team's success in exceeding monthly loan processing targets through diligent work ethic and efficient task management.
- Ensured seamless handover of approved loans to the closing department by providing complete and accurate documentation packages.
- Prevented costly errors by consistently updating knowledge of federal, state, and local laws governing mortgage lending practices.
- Demonstrated excellent attention to detail when evaluating property appraisals for consistency with market trends and established guidelines.
- Enhanced customer experience by proactively addressing potential issues during the application process, resulting in increased client satisfaction and referrals.
- Strengthened relationships with real estate agents, attorneys, and other industry professionals through proactive networking efforts.
- Ensured accuracy of loan documentation, meticulously cross-checking figures and calculations before submission for approval.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Prepared file for final clear-to-close by branch management.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Communicated with originator and applicant concerning progress of loan file.
- Handled any conditions sent from underwriting departments.
- Processed mortgage loan applications accurately and successfully for over 20 years.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Education
High School Diploma -
Minor High School
Adamsville05.1993
Skills
- Underwriting guidelines
- Debt-to-Income Ratios
- Document Verification
- Loan Evaluation
- Credit analysis
- Appraisal review
- Collateral Valuation
- Loan-to-Value Analysis
- Income Calculation
- FNMA Guidelines
- Residential Loans
- LTV Calculations
- Residential mortgage lending regulations
- Documentation Review
- Application Analysis
- Residual Incomes
- Asset Statements
- Property Inspection
- Data Interpretation
- Market Knowledge
- Teamwork and Collaboration
- Customer Service
- Problem-Solving
- Time Management
- Attention to Detail
- Problem-solving abilities
- Multitasking
- Reliability
- Excellent Communication
- Customer service-focused
- Organizational Skills
- Adaptability and Flexibility
- Decision-Making
- Microsoft Office
- Team building
- Analytical and Critical Thinking
- Data Entry
- Loan Processing Coordination
- Task Prioritization
- Self Motivation
- Income Evaluation
- Creditworthiness Determination
- Credit History Review
- Complaint Handling
- Document analysis
- Loan File Maintenance
- Time management abilities
- Written Communication
- Application Review
- Automated Underwriting System (AUS)
- Financial Accounting
- Application verification
- 10-Key Data Entry
- Financial History Analysis
- Database Management
- Financial transactions expertise
- Regulatory Compliance
Timeline
Finance Manager
Pinnacle Motorsports LLC
02.2024 - Current
Mortgage Underwriter II
PNC Financial Services Group Inc
07.2021 - 09.2023
Mortgage Underwriter II
BBVA USA / BBVA Compass
09.2016 - 07.2021
Mortgage Processor and Underwriter
Regions Bank
05.2011 - 09.2016
High School Diploma -
Minor High School
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