Hortensia Davis
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
39
39
years of professional experience
1
1
Certification
Work History
Consumer Loan Underwriter
Wells Fargo
02.2012 - 01.2023
- Maintained in-depth understanding of USDA, FHA, FNMA and FHLMC loan requirements.
- Resolved and identified complex customer loan problems to prevent negative impact on operations and business direction.
- Used CORE automated software to underwrite retail loans and manage portfolios.
- Expedited loan closings by counseling and educating account executives.
- Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
- Mitigated regulatory risks by ensuring all closing loans adhered to HMDA compliance and government guidelines.
- Approved, declined or counter-offered loans up to $1 million.
- Supported loan officers and processors to help with timely completion of loan application.
- Elevated customer satisfaction ratings by managing issues for speedy resolution.
Sr Underwriter
Accenture
11.2011 - 01.2012
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards in accordance with Citibank mortgage lending requirements.
Sr Loan Underwriter
Amerisave Mortgage
08.2011 - 11.2011
- Developed and maintained relationships with customers, lenders and other third parties.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Education
Associate of Applied Science - Marketing
Fayetteville Technical Community College
Fayetteville, NCMarketing
NC A&T State University
Greensboro, NCSkills
- Appraisal Reviews
- Policy and Procedure Adherence
- Customer Satisfaction
- Debt Ratios
- Real Estate Loans
- Interpersonal Communication Skills
- Risk Evaluation
- Credit Application Review
- Special Projects
- Team Training and Mentoring
- Service Quality
- Product Knowledge
Accomplishments
- Achieved 2021 Customer Satisfaction Award by completing loan decisions with accuracy and efficiency.
- 2000 Leadership Excellence in Neighborhood Development (LEND) Award for contributions to our local community development efforts.
Affiliations
* Mortgage Bankers Association
Certification
- FHA CHUMS #P742
- VA LAPP #5571
Timeline
Consumer Loan Underwriter
Wells Fargo
02.2012 - 01.2023
Sr Underwriter
Accenture
11.2011 - 01.2012
Sr Loan Underwriter
Amerisave Mortgage
08.2011 - 11.2011
Associate of Applied Science - Marketing
Fayetteville Technical Community College
Marketing
NC A&T State University
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