Jennifer Moffitt

I have an extended 20 years of experience in the Banking/Financial/Mortgage Industry and am pursuing long-term growth within a leading organization. I have been recognized for my precision and reliability, consistently delivering impactful outcomes in underwriting.

I am a results-driven professional with a strong foundation in customer service and expertise in the banking and financial industry, dedicated to enhancing departmental organization and effectiveness. I have a proven ability to excel in fast-paced environments, demonstrating exceptional multitasking skills and have a keen interest in the investigative aspects of loan approval and the closing processes.

I also have strong competencies in risk assessment, financial analysis, and creditworthiness evaluation, complemented by a commitment to fostering team collaboration and adaptability to evolving needs.

• Encompass - Mortgage Underwriting System
• FAMC- Mortgage Underwriting System
• Exigen -Processing/Underwriting System
• Blackbird Imaging System
• LPA - Freddie Mac and DU - Fannie Mae (direct system access for input/export of loan information for manual processing)
• Freddie Mac and Fannie Mae Selling Guides
• CoreLogic (Cotality)
• Equifax - Undisclosed Monitoring Debt System
• Mortgage Insurance - PMI systems, including but not limited to the following: NMI - National Mortgage Insurance, Essent, Radian, MGIC, Genworth
• Microsoft Office 365/2019 Word, Excel, Windows 7 and 10
• Merlin
• Mainframe
• ACAPS
• Lotus Notes (HCL Notes)
• LaserPro
• eTrack

Please Note: For the past 3 years I have been a fulltime stay-at-home mom. I am now excited to resume growing my career!

Mortgage Wholesale and Jumbo Underwriter II

Franklin American Mortgage Co., Citizens Bank, Nashville, TN
March 2020 to August 2022

Underwrote Conventional Mortgage Files for Wholesale Lending, making the decision to approve if all conditions and documentation were satisfactory to Guidelines and Policies. Once all conditions were received, I placed a final review and full approval for the file. It was then cleared to close by my Underwriting Assistant. I also reviewed any files that came back from closing, such as loan amount changes, sale price to purchases, PITI, DTI changes, etc. We had selected files for inside QA audits, which I did extremely well on.

Additional Miscellaneous Responsibilities: Answering all emails from customers by the following business day. Reviewing any rushes or back-from-closing files immediately or referring them to the team led by the Assistant Processor.

Underwriter Loan Support Specialist

Pinnacle Bank, Nashville, TN
February 2017 to October 2019

Submitted orders for new files, manually ordering Flood certs, Title searches and Appraisals. I then processed and monitored the files. I reviewed all vendor items, Flood, Appraisals and Titles. I was also responsible for updating files when appraisals came back lower than expected, calculated the loan-to value and determined the highest available approval amount. Then I closed out the file, booking and recorded the file.

I also uploaded documents to an e-Filing system to record the deed of the Trust/Mortgage and cut checks for recordings on counties not available for e-File.

Loan Processor

Regions Bank, Nashville, TN

October 2012 to February 2017

Responsibilities included closing loans start to finish, reviewing and researching documents, including Titles, Title Commitments, Appraisals, Sales Contracts, Flood Determinations, Warranty Deeds, Quit Claim Deeds, Divorce Decrees, Death Certificates, and any other document that is required to close a loan. I also handled disputing appraisals and determined flood zones. I communicated via email with loan officers and attorneys to discuss loan closings and to determine what was needed to close the loan.

Mortgage Sales Assistant

Fifth Third Bank, Brentwood, Nashville, Franklin, TN

August 2010 to September 2012

Responsible for managing the daily Pipeline and getting all documentation for loans to send to Underwriting. I scheduled closings, managed the Loan Officer's calendar and email, as well as handling daily phone calls from customers and managing emails concerning customer loans and underwriting. I also updated the database for past customers and new referrals.

Centralized Funding Processor

Regions Bank, Nashville, TN

May 2009 to July 2010

Responsible for reviewing loan documents and customer signatures to ensure all was flawless. Verified that the branch had followed all procedures for funding the loan. I followed up on mortgage lien and other various duties as required. I also served as the Lead Person in the Supervisor's absence.

Real Estate Loan Processor/Private Banking Loan Processor

Regions Bank, Nashville, TN

September 2007 to May 2009

Responsibilities included closing loans start to finish, reviewing and researching documents including Titles, Title Commitments, Appraisals, Sales Contracts, Flood Determinations, HUDs, Warranty Deeds, Quit Claim Deeds, Divorce Decrees, Death Certificates, and any other document that is required to close a loan. I also handled disputing appraisals and determined Flood Zones. I communicated via email with loan officers and attorneys to discuss loan closings and to determine what was needed to close the loan.

Loan Control Specialist

Regions Bank, Nashville, TN

January 2006 to September 2007

Responsibilities included accurately reviewing customer and business loans, researching and verifying loan information to ensure data was in compliance with government monitoring requirements. I attended weekly meetings for imaging groups tasked to solve issues with the virtual imaging system. I also ran daily reports for assistance to the Supervisor and completed numerous flood audits.

Teller/TCD/Merchant, Supervisor

Bank of America, Nashville, TN

August 2002 to November 2005

Responsibilities included thorough and accurate completion of all banking transactions, account/credit card referrals and sales, investigating and resolving all teller outages, ensuring fully balanced tellers and Teller Cash Dispensers. I handled and researched counting merchant transactions, as well as maneuvered shipments and purchases for the bank cash vault.

I took all of the certification tests for the MBA and passed them all. However, I went on a medical leave and was unable to finish my final exam. I look forward to achieving it soon.

• I have processed and underwritten various types of loans and have experience with the following: Power of Attorney, Trusts, Purchases, Fixed Rate Purchases, Fixed Rate Balloons, Investment Property, Jumbo Loans, Secondary/Vacation Homes, Lines of Credit (HELOCS), Limiting Increases on Current Lines, Rental and Self Employed Income, Pension, Annuities, Social Security/Benefit Income, Asset Driven Income and additional types of income.
• I have been thoroughly trained in Flood Insurance, which is required by law.
• I have underwritten in all 50 states and have an abundance of knowledge and experience in Real Estate Laws and Procedures in several states: TN, IN, IL, MO, LA, TX, KY, SC, NC, AL.
• I have been thoroughly trained in HMDA procedures, completing a week of extensive training on its requirements and importance from the operations standpoint, as well as from the front end (Loan Officer/Broker).
• Compliance: I have taken several compliance courses over the years to stay up-to-date on any changes, refreshing myself on current regulations/laws and compliance in the financial industries.