Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Heidi Sotzen

Jacksonville,US

Summary

Senior Underwriter with extensive experience in FHA, VA, and conventional loan underwriting, specializing in risk assessment and credit analysis. Proven ability to lead teams and train junior underwriters while ensuring compliance with regulatory standards. Demonstrated expertise in fraud detection and investigation, utilizing data analysis to mitigate financial exposure effectively. Strong organizational skills and attention to detail contribute to efficient pipeline management and process improvement initiatives.

Overview

14
14
years of professional experience
1
1
Certification

Work History

Underwriter III, IV, Team Lead and Underwriting Manager

Cardinal Financial
Jacksonville, US
05.2019 - Current
  • Evaluated credit, income, and assets for diverse programs, ensuring precise compliance and risk management.
  • Developed comprehensive training, enhancing team efficiency and onboarding 50+ new hires.
  • Secured VA SAR approval through demonstrated expertise.
  • Adapted to new products independently, showcasing strong learning and implementation skills.
  • Spearheaded performance evaluations and training initiatives, driving operational excellence through structured mentorship and systematic workflow improvements.
  • Orchestrated pipeline management and service level compliance while providing expert support for proprietary systems and sales department inquiries.
  • Transformed underwriting processes through strategic leadership, resulting in three promotions and enhanced departmental efficiency.

Underwriter III

Covius, AKA Lenderlive Network
Jacksonville, US
06.2018 - 05.2019
  • Consistently surpassed service level agreements by completing new file and condition reviews within a 24-hour timeframe.
  • Successfully oversaw the pipeline for two lines of business, averaging eight loans reviewed daily.
  • Created comprehensive training modules for collateral review protocols, emphasizing risk identification and mitigation strategies for team excellence.
  • Accelerated decision turnaround by performing comprehensive credit, income, and asset evaluations within a 24-hour timeframe, consistently exceeding service agreements using automated, streamlined worksheets personally designed and implemented.
  • Increased lending decision accuracy through systematic evaluation of multiple document types while maintaining consistent throughput levels.

Sr. Underwriter

RP Funding
Jacksonville, US
12.2016 - 04.2018
  • Conducted comprehensive financial analysis of borrower's profiles and personal information for approval/decline of Conventional and Government applications, ensuring compliance with lending regulations while maintaining quality standards and an 88% approval rate.
  • Honored as Employee of the Month for exceptional performance and dedication.
  • Spearheaded DataVerify fraud detection training initiatives, enhancing team efficiency and minimizing risk exposure across lending operations.
  • Implemented remote work protocols for independent loan underwriting, maintaining high productivity, with an average of 115 loans and communication standards.
  • Developed a systematic approach to loan review workflow, optimizing decision-making while maintaining strict compliance standards.

Specialty Underwriter

JPMorgan Chase
Jacksonville, US
05.2015 - 12.2016
  • Executed manual underwriting of mortgage loan applications for high-dollar balance and/or complex scenario customers, ensuring precision and thoroughness.
  • Secured soundness of applications by identifying and mitigating risks effectively.
  • Honored with multiple awards for recognition in effective communication and collaboration.
  • Developed and delivered self-identified fraud detection training opportunities.
  • Optimized fraud detection processes through innovative training programs, strengthening team capabilities in risk identification and mitigation.
  • Administered high-value mortgage portfolios with meticulous attention to risk factors, ensuring thorough assessment of complex financial scenarios.
  • Cultivated cross-functional partnerships to optimize loan evaluation processes, earning recognition for exceptional communication practices.
  • Engineered and implemented new fraud detection methodologies, enhancing team effectiveness in risk assessment and decision-making.

Loan Integrity Officer/Team Lead

JPMorgan Chase
Jacksonville, US
12.2010 - 05.2015
  • Spearheaded a cross-functional AML investigation team of 20, optimizing risk detection protocols and ensuring regulatory compliance across mortgage operations.
  • Crafted comprehensive training materials, improving fraud prevention awareness in Mortgage Banking and strengthening risk prevention protocols.
  • Developed comprehensive fraud detection frameworks and training materials for the Mortgage Banking division.
  • Conducted company-wide knowledge transfer through strategic presentations, driving the adoption of enhanced fraud prevention methodologies.

Education

Some College (No Degree) -

Illinois State University
Normal, IL

Skills

  • FHA, VA, Conventional
  • Construction, Jumbo, Non-QM, Assumptions
  • Underwriting and credit analysis
  • Fraud detection and investigation
  • Risk assessment and management
  • Team leadership and training
  • Loan origination and approval
  • Microsoft Office proficiency
  • Customer service excellence
  • Process improvement strategies
  • Asset evaluation and financial analysis
  • Regulatory compliance expertise
  • Pipeline management skills
  • Data analysis and interpretation
  • Effective communication skills
  • Attention to detail
  • Problem-solving abilities
  • Adaptability and multitasking
  • Statistical analysis techniques
  • Creditworthiness assessment methods
  • Market trend analysis insights
  • Self-motivation and goal setting
  • Teamwork and collaboration skills
  • Organizational skills proficiency
  • Written communication effectiveness
  • Team building initiatives

Certification

  • Certified Residential Underwriter (CRU), Present
  • DE Certification, 01/01/09
  • LAPP/SAR Certification, 01/01/23
  • Tribal Lending HUD

Timeline

Underwriter III, IV, Team Lead and Underwriting Manager

Cardinal Financial
05.2019 - Current

Underwriter III

Covius, AKA Lenderlive Network
06.2018 - 05.2019

Sr. Underwriter

RP Funding
12.2016 - 04.2018

Specialty Underwriter

JPMorgan Chase
05.2015 - 12.2016

Loan Integrity Officer/Team Lead

JPMorgan Chase
12.2010 - 05.2015

Some College (No Degree) -

Illinois State University

Similar Profiles

CREATE PROFILE