JEELIN AUSTIN PAYNE
Oak Park,MI
Summary
Diligent Loan Officer Assistant with strong background in mortgage underwriting. Effectively assessed loan applications and ensured compliance with financial regulations, contributing to successful loan approvals. Demonstrated analytical skills and attention to detail in evaluating borrower creditworthiness and financial documents.
Overview
22
22
years of professional experience
Work History
Mortgage Underwriter
UWM
Pontiac, MI
10.2025 - Current
- Evaluated loan applications for creditworthiness and compliance with underwriting guidelines.
- Analyzed risk factors to determine appropriate loan terms and conditions.
- Collaborated with mortgage processors to streamline workflow and improve turnaround times.
Account Executive
UWM
Pontiac, MI
05.2023 - 10.2025
- Developed and maintained strong client relationships to drive sales growth.
- Collaborated with marketing teams to create targeted campaigns for customer acquisition.
- Analyzed market trends to identify opportunities for strategic expansion.
Loan Officer Assistant
ROSS MORTGAGE
BIRMINGHAM, MI
12.2018 - 12.2022
- Conduct comprehensive reviews of loan applications, ensuring accuracy and compliance with regulatory guidelines including RESPA.
- Analyze clients' credit, income, and assets to recommend loan products that align with their specific needs and financial goals.
- Serve as the primary point of contact for all parties involved in the loan process, proactively addressing questions and concerns to maintain a high level of customer satisfaction.
- Collaborate closely with processing and underwriting teams to ensure all loan requirements are met and final clear-to-close approval is obtained in a timely manner.
- Schedule and coordinate loan closings with clients, real estate agents, and title companies, ensuring compliance with all pre- and post-closing requirements.
- Support networking initiatives with vendors, real estate agents, and title companies to expand business opportunities and strengthen relationships within the industry.
- Manage office functions such as ordering supplies and troubleshooting technical issues to ensure smooth daily operations.
- Assist with loan originations as needed, demonstrating a high level of professionalism and expertise in all interactions with clients and stakeholders.
Loan Officer Assistant
MORTGAGE ONE
PLYMOUTH, MI
02.2014 - 11.2018
- Review incoming loans for accuracy and suitability for clients' needs by analyzing their credit, income, and assets.
- Prepare and disclose all loan applications and updated loan disclosures in compliance with RESPA regulations.
- Manage communication and coordination between clients, real estate agents, title companies, processing, and underwriting departments as the main point of contact for questions and updates.
- Request all initial required documents needed for each file prior to processing and underwriting to ensure a smooth loan approval process.
- Work collaboratively with processing and underwriting departments to fulfill all requirements needed to obtain final clear-to-close approval for loan approvals.
- Schedule loan closings with clients, real estate agents, and title companies to ensure compliance with pre- and post-closing requirements.
- Ensure compliance with all regulatory and legal requirements for pre- and post-loan closings.
Jr. Underwriter/Contract Underwriter
INSPERITY/ESSENT
TROY, MI
07.2013 - 01.2014
- Underwrote conventional loans per agency guidelines required by Fannie Mae, Freddie Mac, and Essent at Flagstar Bank's Corporate Office.
- Reviewed clients' credit, income, assets, and appraisals for final clear-to-close approvals, ensuring adherence to all regulatory and legal requirements.
- Issued final Private Mortgage Insurance certificates in compliance with all relevant guidelines and regulations.
Account Executive, Senior Loan Processor
JP MORGAN CHASE BANK
TROY, MI
08.2004 - 07.2013
- Founded and launched a successful subprime mortgage brokerage as an Account Executive for Chase.
- Managed and expanded an existing network of mortgage brokers while acquiring new business through effective product and service marketing strategies.
- Consistently exceeded bonus goals by successfully updating and selling new products and services to mortgage brokers.
- Conducted weekly visits to mortgage brokers to keep them informed of underwriting and product changes and to maintain strong business relationships.
- Demonstrated expertise in reviewing credit, income, assets, and appraisals for pre-qualifications and underwriting submissions for approval as an Account Executive and Senior Loan Processor.
- Provided regular status updates to borrowers, real estate agents, and loan officers to ensure timely loan processing and closing.
- Collected required underwriting conditions and reviewed them prior to submission for final clear-to-close loan approval.
- Prepared quality audits before scheduling closings for conventional and FHA mortgages to ensure compliance with all regulatory and legal requirements.
Education
Business Field
WAYNE STATE UNIVERSITY
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NATIONWIDE MORTGAGE LICENSING SYSTEM
Skills
- Agency Automated Underwriting Software
- Desktop Underwriting and Loan Prospector
- Empower Mortgage Software
- Encompass Mortgage Software
- Microsoft Office Suite: Word, Excel, Outlook
Timeline
Mortgage Underwriter
UWM
10.2025 - Current
Account Executive
UWM
05.2023 - 10.2025
Loan Officer Assistant
ROSS MORTGAGE
12.2018 - 12.2022
Loan Officer Assistant
MORTGAGE ONE
02.2014 - 11.2018
Jr. Underwriter/Contract Underwriter
INSPERITY/ESSENT
07.2013 - 01.2014
Account Executive, Senior Loan Processor
JP MORGAN CHASE BANK
08.2004 - 07.2013
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NATIONWIDE MORTGAGE LICENSING SYSTEM
Business Field
WAYNE STATE UNIVERSITY