Summary
Overview
Work History
Education
Skills
Additional Coursework
Timeline
Generic

JACQUELINE PROWELL

Fairfield,California

Summary

Seeking a position where my proven skills sets and performance can be utilized to benefit mutual growth and success.

Professional with strong experience in lending and finance, prepared to drive impactful results. Skilled in assessing loan applications, managing risk, and ensuring compliance with regulatory standards. Strong collaborator known for adaptability and delivering consistent outcomes in team environment. Expertise in financial analysis, customer relations, and strategic decision-making.

Overview

29
29
years of professional experience

Work History

Lending Officer

Wells Fargo Bank Home Mortgage
12.2012 - 08.2023
  • Thorough understanding of underwriting policies and procedures, as well as investor guidelines and regulatory compliance updates including knowledge of Federal Housing Administration, Federal National Mortgage Association and Federal Home Loan Mortgage Company guidelines and standards.
  • Excellent facilitation, written, verbal communication, and influence skills.
  • Proven ability to demonstrate relationship management skills and the ability to make connections to the greater strategy while collaborating with multiple business partners and senior leaders.
  • Demonstrated ability to work well under pressure while making critical decisions to meet the needs of the customers and the bank.
  • Accurate use of the exception Authority.
  • Contributed to the development of lending policies and procedures, ensuring compliance with federal regulations and industry best practices.
  • Enhanced communication between departments through effective collaboration, resulting in streamlined processes and improved operational efficiency.
  • Championed cross-functional collaboration among colleagues to effectively address client concerns while maintaining a professional tone.
  • Maintained a high level of industry knowledge, staying current on market trends and regulatory changes affecting lending practices.
  • Collaborated with underwriters to ensure accurate risk assessment and appropriate lending decisions.
  • Assisted in training new Lending Officers, Underwriting Managers, Underwriters and Mortgage Loan Officers, reviewing policies and procedures, sharing best practices and helping to improve overall team performance.
  • Reviewed loan documentation for accuracy and completeness, reducing processing errors and expediting approvals.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Collaborated with underwriting team to ensure accurate evaluations and timely decision-making on loan applications.
  • Ensured compliance with all federal and state regulations in the origination of mortgage loans, reducing potential legal risks.
  • Contributed to the overall success of the lending team by consistently meeting or exceeding individual sales targets and fostering a supportive work environment.
  • Resolved Underwriter and Mortgage Loan Officer conflicts by actively listening to concerns and finding appropriate middle ground.
  • Created and facilitated training presentations for monthly underwriting meetings, annual training and quality meetings.
  • Responsible for coaching, mentoring, monitoring and creating action plans for underwriters to resolve quality issues within a reasonable timeframe.
  • Maintained up-to-date knowledge of federal regulations, industry standards, and company policies to ensure consistent compliance throughout the exception process.
  • Performed monthly loan audits for Exception Underwriters, to ensure exception is warranted and offsets outweigh risk.

Area Underwriting/Closing Manager

Wells Fargo Bank Home Mortgage
11.2010 - 12.2012
  • As an Area Underwriting/Closing Manager my responsibilities include but are not limited to supporting The San Francisco area through the management of Underwriters and Closers.
  • Lead activities and/or operations of a loan a production team responsible for customer service, underwriting and closing documentation.
  • Provide escalation support between sales teams and external vendors and customers to ensure team is effective in the administration of each loan closing/underwriting transaction.
  • Ensure loan closing/underwriting transactions are completed appropriately and in a timely manner.
  • Provide updates and reporting as appropriate to Regional Underwriting/Closing Manager as it relates to the performance of the closing/underwriting functions.
  • Participate in strategic planning discussions for the Fulfillment Site and provide recommendations regarding future direction.
  • Lead and Manage staff up to 18 non-exempt team members.
  • Responsible for, or participates in, the hiring, coaching, developing and supervising of team members, including decisions relative to performance reviews, terminations, hires, discipline, salary actions, etc.
  • Influence performance of a business unit or functional area by working as part of the decision-making management team with responsibility for managing the budget of the team, department or unit.

Consumer Loan Underwriter 4

Wells Fargo Bank Home Mortgage
11.2008 - 11.2010
  • Responsibilities include reviewing, analyzing and underwriting difficult, most complex individual consumer requests and products within the company and industry guidelines.
  • Responsibilities include determining decisions/exceptions beyond the Decision authority levels of less experienced underwriters; serving as a consultant and technical resource on difficult problems and questions, handling escalated calls, second level reviews, providing work direction, feedback and training to underwriting staff, including coaching lower level underwriters on underwriting Decision department procedures and policies, delivering and facilitating technical training to ensure organizational consistency, and researching and resolving site deficiencies.
  • Act as backup in Managers absence, including but not limited to approving time tracker, facilitating team meetings.

Consumer Loan Underwriter 4E (3F & U/W 3, Level 4)

Wells Fargo Bank Home Mortgage
01.2005 - 11.2008
  • Responsibilities included but were not limited to; reviewing, analyzing, approving and underwriting large unusual or complex conforming, non-conforming and FHA loans within company and industry guidelines.
  • Includes reviewing financial statements, credit report and applicable ratios, evaluating, examining transactions to ensure accurate and completeness, ensuing that documents are consistent and uphold to company and industry guidelines, performing compliance reviews, assisting with re-negotiations of loans based on lending guidelines, contracting customers and internal partners to gather information to make appropriate decisions, explain rationale behind credit decision.
  • Provide work direction to lower level team members.
  • Train new hire and provide performance feedback to supervisor/manager.
  • Home Mortgage Consultants Feedback “has a great attitude, knows her job, likes to make things happen, views the big picture, takes charge and gets it done.”
  • Perform miscellaneous task as needed.

Consumer Loan Underwriter 2, Level 3

Wells Fargo Bank Home Mortgage
11.1994 - 01.2005
  • This job is designated for use in Home Mortgage during periods when business conditions demand increased operational capacity.
  • Responsible for reviewing, analyzing approving and underwriting moderate individual consumer requests and products within company and industry guidelines.
  • Dependent on division, functions may include evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation; using an automated scoring system or traditional underwriting to determine acceptability of moderate requests; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products; staying abreast of any changes in underwriting provisions; working with production to resolve questions when possible.

Education

High School Diploma -

Castlemont High
Oakland, CA
06-1986

Skills

  • Documentation review
  • Loan underwriting
  • Credit analysis
  • Collateral evaluation
  • Teamwork and collaboration
  • Customer service
  • Problem-solving
  • Time management
  • Attention to details
  • Leadership skills
  • Analytical and critical thinking
  • Complaint handling
  • CORE AND Microsoft systems
  • Excellent verbal and written communication

Additional Coursework

  • FHA Endorsed (CHUMS number)
  • African American Leadership (UCLA)
  • Customer for Life
  • Fundamentals of Mortgage
  • Understanding the Consumer
  • High Trust
  • Master Personal Influence
  • Meet on Common Ground
  • Situational Leadership

Timeline

Lending Officer

Wells Fargo Bank Home Mortgage
12.2012 - 08.2023

Area Underwriting/Closing Manager

Wells Fargo Bank Home Mortgage
11.2010 - 12.2012

Consumer Loan Underwriter 4

Wells Fargo Bank Home Mortgage
11.2008 - 11.2010

Consumer Loan Underwriter 4E (3F & U/W 3, Level 4)

Wells Fargo Bank Home Mortgage
01.2005 - 11.2008

Consumer Loan Underwriter 2, Level 3

Wells Fargo Bank Home Mortgage
11.1994 - 01.2005

High School Diploma -

Castlemont High

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