Jennifer Dickerson
San Antonio,TX
Summary
Enthusiastic Underwriter eager to contribute to team success through hard work and dedication. Offering vast knowledge with over 15 years of experience in the Mortgage Industry. Recognized consistently for performance excellence.
Overview
16
16
years of professional experience
Work History
Senior Real Estate Underwriter
USAA Federal Savings Bank
05.2021 - 03.2023
- Monitored team's overall pipeline and ensure workload were adjusted.
- Coached team to achieve/exceed optimal performance against metrics; took action to optimize productivity, quality, and efficiency.
- Reviewed and responded promptly to address and clear understanding of audit findings from our Quality Assurance team.
- Gained extensive knowledge and understanding of complex tax returns and complicated loan and income scenarios.
- Acted as a mentor and coach to our Loan Processors, provided working solutions to our Loan Officer to improve file quality and salability.
- Fostered a team environment that was in line with USAA's Values and Culture.
Real Estate Underwriter
USAA Federal Savings Bank
11.2014 - 05.2021
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Served as a resource to team members for assistance with loan files.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Collaborated with Fulfillment teams to implement best practices that can increase loan submission quality.
- Take the role as acting Senior when Senior is away
Senior Home Equity Processor
USAA Federal Savings Bank
07.2011 - 11.2014
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Reviewed and validated details of loan applications and closing documentation.
- Served members in a friendly, efficient manner following outlined steps of service.
- Developed and implemented performance improvement strategies and plans to promote continuous improvement.
- Developed team communications and information for meetings.
- Offered friendly and efficient service to all members, handled challenging situations with ease.
- Provided oversight to the daily workflow and ensured all service level objectives were met through proactive disciplined pipeline management.
- Provided guidance and coaching to processors to drive timely and accurate business results from point of application to funding.
- Provided direct feedback to processors that will help increase productivity, create efficiencies and elevate overall team knowledge.
Home Equity Loan Processor
USAA Federal Savings Bank
03.2007 - 07.2011
- Timely response to all member and third-party inquiries and adherence to the member keep informed routines.
- Initiated follow-up phone calls to members and third parties to obtain necessary loan documentation, title, credit and/or collateral information.
- Coordinated closing process with attorneys and title companies
- Handled any conditions sent from underwriting departments.
- Recommended loan approvals and denials based on customer loan application reviews.
- Ensured that loan applications were accurate and supporting documentation complied with all regulatory, Credit Risk and investor guidelines.
Education
Associate of Arts - General Studies
Central Texas College
Killeen, TX05.2004
Skills
- Deep knowledge of Home Equity, VA, VA IRRRLs, Conventional, and Jumbo products
- Strong Analytical skills
- Leadership
- Proficient in Microsoft Office Tools
- FNMA Guidelines
- Attention to Detail
- Risk Management
- Excellent Communication
- Exceptional Customer Service
Timeline
Senior Real Estate Underwriter
USAA Federal Savings Bank
05.2021 - 03.2023
Real Estate Underwriter
USAA Federal Savings Bank
11.2014 - 05.2021
Senior Home Equity Processor
USAA Federal Savings Bank
07.2011 - 11.2014
Home Equity Loan Processor
USAA Federal Savings Bank
03.2007 - 07.2011
Associate of Arts - General Studies
Central Texas College