Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Community Service
Timeline
Generic

JENNIFER N WHITE

Columbia City,OR

Summary

Organized and dependable Weatherization professional successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Excels at cultivating and maintaining strong client and partner relationships. Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills.


Overview

17
17
years of professional experience
1
1
Certification

Work History

Program Specialist

Community Action Team
08.2023 - Current
  • Coordinate grant funded weatherization projects across Tillamook, Clatsop and Columbia counties
  • Maintain database and spreadsheets with accurate project information and status.
  • Create job files for each project and maintain current data in each file.
  • Supervise multiple projects concurrently from project start through completion.
  • Keep projects on schedule by managing deadlines and adjusting workflows, as needed.
  • Serve as a voting member of the loan board for approval or denial of project funding.
  • Document and verify income and property eligibility.
  • Review potential loans for home rehabilitation projects to ensure compliance with the programs.
  • Review loan documents with clients, notarize loan documents for the department
  • Liaise between client and contractors to facilitate communication and keep appropriate parties updated on project developments.
  • Coordinate with major measure contractors and sub-contractors to ensure proper timing of installation and services so projects flow without interruption.
  • Coach and train newly hired staff members.
  • Present home energy audit findings to program manager and prepare bids to contractors based on audit results.
  • Process invoices with efficiency and accuracy, resulting in decreased discrepancies.
  • Review funding sources and state specific programs in order to spread project costs across multiple state and federal programs
  • Work with local, state and agency partners
  • Prepare and present weatherization files for annual state audit

Consumer Loan Underwriter III

Wells Fargo
05.2020 - 06.2023
  • Reviewed, analyzed and decisioned difficult, complex consumer requests and products within company and industry guidelines for refinance and purchase transactions
  • Analyzed credit data and financial information of applicants to determine credit worthiness and to assess risk
  • Examined transactions to ensure accuracy and completeness
  • Performed complex income reviews and assessments, analyzed interim financial documents, and applied business trending logic for self-employed borrowers
  • Identified suspicious or fraudulent activity in compliance with federal regulations and notified leadership of these events
  • Supported multiple levels of management through risk identification by evaluating the adequacy and effectiveness of procedures to identify gaps or need for improvement
  • Completed re-negotiations of loans based on lending guidelines

Research Remediation Analyst

Wells Fargo
05.2019 - 05.2020
  • Researched and resolved escalated inquiries and complaints requiring special handling and forwarded by management, agencies, and/or senior business leaders
  • Reviewed in-process, closed or canceled exceptions, applications, claims, files and on-line transactions to determine if processes and documentation are in compliance with internal company requirements and government regulations
  • Provided excellent customer service to highly stressed customers under tight deadlines
  • Performed intake to determine appropriate course of action, conduct investigative steps to fully identify the issues, research product information, terms, conditions, and contracts
  • Successfully closed over 45 cases per month, exceeding production goal by at least 18%
  • Assigned and tracked complaints, following all internal procedures
  • Conducted Pre-Risk Assessment by reviewing complaints for regulatory and non-regulatory flags

High-Risk Underwriter III

Wells Fargo
05.2013 - 05.2019
  • Collected, reviewed and analyzed applicant data and records to determine risk level and credit worthiness for Home Equity customers
  • Reported internal issues to management and supplied comprehensive recommendations to mitigate the associated risks
  • Worked with VP of Credit Risk to create high-risk equity project, resulting in over $7.5 million in open to buy savings
  • Developed partnership with Risk Management team and BSA/AML leaders to create and improve policies and procedures
  • Trained, coached, mentored, and directed new underwriters
  • Consistently exceeded quality and production goals by > 15%
  • Communicated directly with customers to obtain additional information, and with employers to verify employment/leave status
  • Obtained dual lending authority in Line Management and Subordinations

Direct Lending Underwriter III

U.S. Bank
04.2011 - 05.2013
  • Assessed, analyzed and interpreted complicated financial information, credit reports and valuations to include residential, business, direct auto and unsecured portfolios
  • Analyzed credit data and financial information of applicants and evaluated risk to the institution
  • Regularly performed detailed income/cash flow analysis
  • Complied with regulatory requirements
  • Worked directly with vendors to ensure requests were met in a timely manner
  • Facilitated improvement activities related to processes and procedures

Client Relationship Consultant II

U.S. Bank
02.2009 - 04.2011
  • Opened multiple accounts for existing and new customers, to include DDA, credit cards and consumer loans, trained, coached and mentored new personal bankers
  • Assisted customers with complex account issues
  • Successfully closed an average of 18 loans per month, exceeding set goal by 63%
  • Researched industry competitors and compiled detailed analysis data
  • Analyzed business processes and procedures to ensure that they would continue to meet changing business needs
  • Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, RESPA, USA Patriot Act, ECOA, TILA and Community Reinvestment Act
  • Performed community outreach to underserved Oregonians to ensure equitable and inclusive access to financial products and services in compliance with the Community Reinvestment Act

Loan Support Specialist

U.S. Bank
06.2008 - 02.2009
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits
  • Collaborated with company teams to expedite loan approval processes
  • Informed customers of loan application requirements and deadlines
  • Located and suggested loan packages that met client needs and priorities
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies

Education

Associate of Science - Business

Portland Community College
Portland, OR

Skills

  • Advanced Microsoft Office Suite – Excel, Word, Outlook & PowerPoint
  • OPUS
  • Payables Processing
  • Financial & Risk Analysis
  • Consumer Lending
  • Regulatory Compliance
  • Fraud Detection and Prevention
  • Leadership, staff management, training & coaching
  • Trained in blower door testing, digital manometers, duct pressurization testing equipment and combustion analysis equipment

Certification

  • Oregon WAP Health & Safety, 03/2024
  • Oregon Residential Energy Analyst, 05/2024
  • BPI Healthy Homes Evaluator, 11/2024
  • Intro to REM, 7/2024
  • Oregon State Notary, 6/2024

Accomplishments

  • 7-time recipient of Wells Fargo Excellence in Quality Award
  • 4-time recipient of Wells Fargo Above and Beyond the Call of Duty Award
  • Graduate of Wells Fargo Leadership Academy
  • Graduate of US Bank Developing Leaders Management Program
  • US Bank Pinnacle Award for quality and production

Community Service

  • United Way, 01/01/16, Present
  • B.A.C.A., 01/01/14, 01/01/18

Timeline

Program Specialist

Community Action Team
08.2023 - Current

Consumer Loan Underwriter III

Wells Fargo
05.2020 - 06.2023

Research Remediation Analyst

Wells Fargo
05.2019 - 05.2020

High-Risk Underwriter III

Wells Fargo
05.2013 - 05.2019

Direct Lending Underwriter III

U.S. Bank
04.2011 - 05.2013

Client Relationship Consultant II

U.S. Bank
02.2009 - 04.2011

Loan Support Specialist

U.S. Bank
06.2008 - 02.2009

Associate of Science - Business

Portland Community College

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