Jane L. Sills
Beaverton,Oregon
Summary
Successful mortgage loan underwriter with a proven track record of providing financial services to clients while managing complex loan transactions who is wishing to make a career change. Extensive banking skills will transfer over to this position along with communication skills and a compassion for customers' experiencing a stressful time in their lives. Have worked independently in a hybrid position for over 8 years and have a dedicated home office. Proven organized and dependable candidate who has been successful at managing multiple priorities with a positive attitude.
Overview
14
14
years of professional experience
Work History
Senior Mortgage Underwriter
First Tech Federal Credit Union
03.2015 - 07.2023
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Researched and updated industry knowledge on changing legislation and regulations.
Conventional Mortgage Underwriter
Bank of America
02.2009 - 03.2015
- Approved or declined loan applications within delegated authority limits after analyzing each file thoroughly for approval criteria.
- Ensured all loans met investor guidelines prior to funding or purchase by investors.
- Analyzed financial data including income statements, balance sheets and tax returns to determine borrower's ability to repay the loan.
- Managed multiple tasks while adhering to strict deadlines in a fast-paced environment.
- Performed manual underwriting when necessary utilizing DU and LP automated decision systems as well as AUS.
Education
High School Diploma -
Oregon City High School
Skills
- Loan Evaluations
- Desktop Underwriter
- Customer Interaction
- Customer Experience
- Problem-Solving Expertise
- Loan Restructuring
- Government Standards
- Audit Procedures
- Complex Problem-Solving
- Oral and Written Comprehension
- Active Listening and Learning
Additional Information
Volunteered at First Tech Fed CU for working at The Oregon Food Bank and participated in Red Cross Blood Drives that came to the site.
Timeline
Senior Mortgage Underwriter
First Tech Federal Credit Union
03.2015 - 07.2023
Conventional Mortgage Underwriter
Bank of America
02.2009 - 03.2015
High School Diploma -
Oregon City High School