JAMES ARMSTRONG
PHOENIX,Arizona
Summary
Disciplined Mortgage Underwriter that pays attention to details by analyzing risks and potential problems within mortgage applications.
I am a team player that collaborates well with other underwriters, originators and processors to produce quality results.
Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements.
Overview
13
13
years of professional experience
Work History
Mortgage Loan Underwriter
Wells Fargo Bank
Phoenix, Arizona
08.2019 - 05.2024
- Underwrote FHA, USDA, Conventional, Portfolio, VA, HELOC and Loan Modifications.
- Demonstrated understanding of FNMA and Freddie Mac specifications.
- Evaluated residential mortgage loan applications through analysis of credit history, employment records, debt-to-income ratios, and financial statements.
- Maintained adherence to all applicable regulations and internal policies.
- Streamlined loan approval process and resolved complex underwriting issues through collaboration with loan officers, processors, and management.
- Conducted thorough risk assessments to make informed loan approval decisions and recommendations.
- Trained and mentored junior underwriters on regulatory requirements and industry best practices.
Mortgage Processor
Wells Fargo & Company
Phoenix, AZ
06.2017 - 08.2019
- Collected and verified documentation to comply with industry regulations and credit policies.
- Provided step-by-step assistance to customers in navigating our online tools.
- Managed ticket opening and escalation resolution.
- Ensured superior customer service for all clients.
- Synchronized closing activities to guarantee high customer satisfaction and timely completion.
Processor/Closer Home Equity
Discover Financial Services
Phoenix, Arizona
08.2012 - 06.2017
- Verified and collected necessary documentation conforming to industry regulations
- Coordinated and scheduled closings while ensuring high-level customer satisfaction and timeliness
- Ensured completion of all aspects of the closing process and verified transaction requirements were met.
- Maintained an efficient system for recording and delivering documents
- Developed Excel Spreadsheets for business processes
- Resolved issues with unrecieved borrower funds and payments
CEO/President
Sirius Blue Star Inc.
Phoenix, Arizona
01.2011 - 01.2020
- Led and oversaw the operations of a five-member team.
- Ensured smooth management of both accounts receivable and payable
- Created budgetary plans.
- Developed HTML websites
- Implemented innovative marketing strategies to drive sales.
Education
Bachelor of Science in Information Technology with Advanced Networking Certificate -
03.2015
GPA: 3.46
Associate of Business in Computer Information Systems -
05.2012
Skills
- Lending regulations
- Income Calculation
- Collateral Evaluation
- Credit analysis
- Loan Processing
- Mortgage lending
- Income verification
- Documentation Review
- Data Interpretation
- Proficient at leading
- Working individually and as a team
- Professional & personalized communication
Volunteer Work
Teen Court Advocate (2009-2012)
References
Ashley Robertson 623-330-0655
Roy Magnuson 480-430-0519
Timeline
Mortgage Loan Underwriter - Wells Fargo Bank
08.2019 - 05.2024
Mortgage Processor - Wells Fargo & Company
06.2017 - 08.2019
Processor/Closer Home Equity - Discover Financial Services
08.2012 - 06.2017
CEO/President - Sirius Blue Star Inc.
01.2011 - 01.2020
University of Phoenix - Bachelor of Science in Information Technology with Advanced Networking Certificate,
Eastern Arizona College - Associate of Business in Computer Information Systems,