Hortensia Davis-NMLSR #489621
Charlotte,NC
Summary
Self-motivated and detail-oriented analytical professional with a special talent for building strong rapport and dynamic business relationships. Effective communicator with over 20 years of experience with the ability to handle several projects simultaneously while executing performance well under pressure.
Overview
20
20
years of professional experience
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
- CORE automated system used daily to underwrite loans and manage portfolios in addition to Microsoft Outlook, Word, Excel and Powerpoint software
- Adhered to loan procedures and conditions and cut lags by 50%.
- 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 while maintaining 24-48 hour turn time decisions.
SR LOAN UNDERWRITER
Amerisave Mortgage
08.2011 - 11.2011
- Developed and maintained relationships with customers, lenders and other third parties to achieve 100% customer satisfaction ratio
- Approved loan applications based on customer creditworthiness and provided detailed financial advice within 24-48-hour turn times
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Demonstrated strong organizational and time management skills while managing multiple projects
- Paid attention to detail while completing assignments
SR UNDERWRITER
Fifth Third Bank
08.2010 - 08.2011
- Reviewed retail and FHA mortgage accounts to make accurate decisions by accounting for risk, hazards and exposure
- Tracked and updated organizational guarantees, keeping financing terms in line with company profit and risk management objectives and guidelines
- Supported marketing and sales activities with subject matter expertise
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
SR MORTGAGE UNDERWRITER
Home Savings Of America
Charlotte, NC
04.2009 - 06.2010
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions.
CONTRACT MORTGAGE UNDERWRITER - SUNTRUST BANK
PMI Mortgage Insurance Co
Charlotte, NC
08.2006 - 03.2009
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Identified issues, analyzed information and provided solutions to problems.
- Excellent communication skills, both verbal and written.
- Managed time efficiently in order to complete all tasks within deadlines.
CONTRACT MORTGAGE UNDERWRITER - JPM CHASE
Genworth Mortgage Insurance
Charlotte, NC
07.2003 - 07.2006
- Evaluated loan requests and documents to verify accuracy and completeness.
- Proactively identified solutions for customers experiencing credit issues.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Developed and maintained relationships with customers, lenders and other third parties.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Education
Attended - Business Administration
NC A&T State University
Associate of Applied Science - Marketing
Fayetteville Technical Community College
06.1981
Skills
- SKILLS Appraisal Reviews
- Policy and Procedure Adherence
- Customer Satisfaction
- Debt Ratios
- Real Estate Loans
- Interpersonal Communication
- Partnership Tax Returns
- Risk Evaluation
- Credit Application Review
- Special Projects
- Team Training and Mentoring
- Product Knowledge
Affiliations
Mortgage Bankers Association
CERTIFICATIONS:
* FHA CHUMS #P742
* VA LAPP #5571
Additional Information
- 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.
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
SR UNDERWRITER
Fifth Third Bank
08.2010 - 08.2011
SR MORTGAGE UNDERWRITER
Home Savings Of America
04.2009 - 06.2010
CONTRACT MORTGAGE UNDERWRITER - SUNTRUST BANK
PMI Mortgage Insurance Co
08.2006 - 03.2009
CONTRACT MORTGAGE UNDERWRITER - JPM CHASE
Genworth Mortgage Insurance
07.2003 - 07.2006
Attended - Business Administration
NC A&T State University
Associate of Applied Science - Marketing
Fayetteville Technical Community College
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