Jane Gibson
Mortgage Underwriter, Conventional FNMA , FHLMC And FHA, USDA
Warm Springs,GA
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with residential customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Highly skilled Loan Specialist with expertise in data Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. T
Overview
11
11
years of professional experience
5
5
years of post-secondary education
Work History
Residential Mortgage Underwriter
Paramount Residential Mortgage Group, Inc.
Corona, United States
05.2016 - Current
- Maintained mortgage program compliance with federal agencies such as USDA, HUD, and FNMA, FHLMC
- Approved or denied loans based on established criteria and underwriting guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Assessed loan portfolios for compliance with underwriting policies.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
Conventional and Government Underwriter
Element Home Loans
Atlanta , GA
03.2014 - 05.2016
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
- Supported review and acceptance or denial of new or renewal business.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Underwriting Manager
Herring Bank
Colorado Springs , Colorado
08.2012 - 03.2014
- Collaborated with other professionals to develop innovative underwriting solutions.
- Analyzed data to identify trends and predict future insurance needs.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Cultivated interpersonal skills by building positive relationships with others.
- Managed time efficiently in order to complete all tasks within deadlines.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Developed strong communication and organizational skills through working on group projects.
Education
MBA - Management And Finance
La Grange College
La Grange, GA 06.1984 - 07.1986
BBA - Business Administration
Columbus University
Columbus, GA 06.1981 - 06.1984
Skills
FNMA Guidelines
Timeline
Residential Mortgage Underwriter
Paramount Residential Mortgage Group, Inc.
05.2016 - Current
Conventional and Government Underwriter
Element Home Loans
03.2014 - 05.2016
Underwriting Manager
Herring Bank
08.2012 - 03.2014
MBA - Management And Finance
La Grange College
06.1984 - 07.1986
BBA - Business Administration
Columbus University
06.1981 - 06.1984
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