Heather Vowinkel
Summary
Talented Mortgage Professional who possesses a deep understanding of credit analysis, loan origination and closing. Hardworking, passionate, and detail-oriented with strong communication and organizational skills. Seeking an underwriting position that offers professional challenges as well as opportunities for advancement.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Mortgage Loan Coordinator
FRFGP, Inc.
09.2018 - Current
- Maintained a high level of expertise in loan program guidelines, enabling tailored recommendations for clients based on their unique financial needs.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Identified issues, analyzed information and provided solutions to problems.
- Developed and maintained relationships with customers, lenders and other third parties.
Mortgage Loan Officer Assistant
AmeriFirst Financial Inc.
05.2017 - 09.2018
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Managed time efficiently in order to complete all tasks within deadlines.
Underwriter
Ca Lending Inc. Dba First Rate Financial Group
10.2011 - 05.2017
- Determined and documented loan conditions and communicated requirements and decisions.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Made approval and denial recommendations by determining accurate risk levels.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
Education
Associate of Arts - Social/Behavioral Science
Mt. San Jacinto College
Menifee, CASkills
- Strong Communication Skills
- Product Knowledge
- Document analysis
- Attention to Detail
- Customer service-focused
- Loan Processing Proficiency
Certification
- Dept. of Real Estate (DRE)
- Nationwide Multistate Licensing System & Registry (NMLS)
Timeline
Mortgage Loan Coordinator
FRFGP, Inc.
09.2018 - Current
Mortgage Loan Officer Assistant
AmeriFirst Financial Inc.
05.2017 - 09.2018
Underwriter
Ca Lending Inc. Dba First Rate Financial Group
10.2011 - 05.2017
Associate of Arts - Social/Behavioral Science
Mt. San Jacinto College
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