IRIS CLARK
Inman,SC
Summary
Accomplished AVP Underwriter at Wells Fargo Home Mortgage, I bring a proven track record of exceeding productivity goals with a 97% efficiency rate. Skilled in financial evaluation and risk assessment, my leadership and collaborative skills have significantly reduced departmental errors. Expert in loan analysis and Microsoft Office, I consistently deliver service excellence. Dedicated and adaptable professional with a proactive attitude and the ability to learn quickly. Strong work ethic and effective communication skills. Eager to contribute to a dynamic team and support organizational goals.
Overview
12
12
years of professional experience
Work History
AVP Underwriter
Wells Fargo Home Mortgage
Charlotte, NC
06.2023 - 05.2024
- Manual Review of FHA Modifications
- Accountable for reviewing actions, transactions, documentation, processes, and programs to ensure quality standards are met, relevant controls are followed and executed, and deficiencies are identified and addressed
- 100% of productivity goals were met while maintaining an average of 97% efficiency
Underwriter 3
Wells Fargo Home Mortgage
Charlotte, NC
03.2020 - 06.2023
- Reviewed credit applications, credit bureau information, collateral valuation, tax returns, financial statements, or other supporting documentation to recommend or approve requests within decisioning authority levels by way of automated scoring system or traditional underwriting
- Assisted department in maintaining a 98% efficiency rating each quarter
- Exceeding departmental goal
- Consistently met monthly quota expectations
- Collaborated with a team to produce weekly presentations that identified achievements and areas of improvements
- Thus, decreasing overall departmental errors by 2%
Collateral Assessment Specialist 3
Wells Fargo Home Mortgage
Charlotte, NC
08.2016 - 03.2020
- Managed quality assurance, advanced asset analysis, layered risk and review of all appraisal products
- Held several levels of delegation including conforming and non-conforming products
- Certified 4P Appraisal Underwriter which is the highest level of delegation assigned by Wells Fargo and responsible for jumbo products (Loan amounts exceeding $1 million and increased risk products)
Quality Assurance Analyst II
Wells Fargo Home Mortgage
Charlotte, NC
06.2014 - 08.2016
- Reviewed programs, processes and claims to ensure compliance for HAMP, HUDPC and Bankruptcy modifications
- Provided Guidance to lenders and other staff regarding documentation and underwriting requirements
- Coached, trained, and conducted monthly audits for 10 team members
- Implemented a best practice strategy that Increased team quality by 10% and productivity by 5%
Consumer Loan Underwriter II
Wells Fargo Home Mortgage
Charlotte, NC
10.2012 - 06.2014
- Evaluated financial statements, credit reports, related ratios (debt ratios, loan-to-value) as well as any other supporting documentation
- Also ensured these documents were accurate, complete, and compliant
- Maintained and exceeded quota for monthly closings and initial application reviews of 60 loans per month
- Also delivered high quality loans, meeting, and exceeding departmental quality scores of 97%
Consumer Loan Underwriter II | Senior Mortgage Processor | Supervisor
Citizens First
Villages, FL
- Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
- Developed strategies to minimize risks associated with lending activities while maximizing profitability for the organization.
- Stayed current on loan requirements and standards for USDA, FHA, VA, FNMA, and FHLMC products.
- Identified opportunities for process improvements, leading to cost reductions and increased productivity.
Credit Analyst
Central Florida Educators FCU
Orlando, FL
- Reviewed loan applications for accuracy and completeness before submitting them for approval.
- Adhered to applicable laws, regulations and policies governing consumer lending practices.
- Developed relationships with external partners such as creditors, appraisers, title companies, in order to facilitate smooth processing of loan applications.
Supervisor | Home Equity Loan Underwriter
Florida Commerce Federal Credit Union
Tallahassee, FL
- Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
- Maintained positive working relationship with fellow staff and management.
- Evaluated employee performance through periodic reviews and documented results accordingly.
- Streamlined workflow processes, reducing project completion times.
- Directed and supervised team of 15 employees in daily operations.
- Identified opportunities for process improvements, leading to cost reductions and increased productivity.
Education
High School Diploma -
Skills
- Effective Decision Making
- Service Excellence
- Excellent Written and verbal communication
- Financial Evaluation
- Risk Assessment
- Cash Transaction Processing
- Collaborative Team Player
- Organizational Time Management
- Ability to multi-task
- Flexible Problem-Solver
- Leadership
- Loan Application Processing
- Loan Analysis Expertise
- Credit Analysis Software
- Advanced Knowledge of Microsoft Office Programs (Microsoft Word, PowerPoint, Excel, Access, Publisher, Outlook)
Timeline
AVP Underwriter
Wells Fargo Home Mortgage
06.2023 - 05.2024
Underwriter 3
Wells Fargo Home Mortgage
03.2020 - 06.2023
Collateral Assessment Specialist 3
Wells Fargo Home Mortgage
08.2016 - 03.2020
Quality Assurance Analyst II
Wells Fargo Home Mortgage
06.2014 - 08.2016
Consumer Loan Underwriter II
Wells Fargo Home Mortgage
10.2012 - 06.2014
Consumer Loan Underwriter II | Senior Mortgage Processor | Supervisor
Citizens First
Credit Analyst
Central Florida Educators FCU
Supervisor | Home Equity Loan Underwriter
Florida Commerce Federal Credit Union
High School Diploma -
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