JENNIFER WILBUR
Oconomowoc,WI
Summary
Financial Expert that evaluated and determined the eligibility of a mortgage loan application. Analyzing and verifying loan applications, evaluating risks, and managed high-volume workloads. Educated Branches to structure loans that meet Investor and Regulatory guidelines. Managed complex functions that require multi-tasking abilities daily.
Overview
22
22
years of professional experience
1
1
Certification
Work History
SENIOR MORTGAGE UNDERWRITER
Fairway Independent Mortgage Corporation
10.2016 - Current
- Underwrote all loan types for purchase and refinance: Fannie Mae, Freddie Mac, FHA, WHEDA, USDA and Bond Loans
- Met twenty-four hour underwriting timeline based on analysis of documentation of credit, income, assets and collateral.
- Educated Branches on Investor guidelines and restructuring loans to maintain approval status.
- Special Team Auditor to confirm all loans met investor and compliance guidelines.
MORTGAGE UNDERWRITER III
Waterstone Mortgage Corporation
09.2013 - 10.2016
- Reviewed residential mortgage loans for Conventional, FHA and USDA products.
- Analyzed Borrowers to confirm met the guidelines for credit, income, assets and collateral.
- Onboarded and trained new team members in underwriting procedures, loan quality standards and operating systems.
- Evaluated and maintained compliance guidelines were met with all Federal Agencies.
MORTGAGE UNDERWRITER
GSF Mortgage Corporation
09.2012 - 09.2013
- Reviewed residential mortgage loans for both Purchase and Refinances.
- Analyzed Borrowers to confirm met credit, income, asset and collateral guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA
- Educated processing team members to communicate and obtain missing information for current applications
MORTGAGE UNDERWRITER
Waukesha State Bank
01.2006 - 09.2012
- Responsible for underwriting residential mortgage loans to meet Fannie Mae guidelines for purchases and refinances.
- Reviewed and approved in house loan products: doctor loans, employee loans, construction loans and jumbo loans.
- Worked one on one with employees obtaining a residential mortgage and confidentiality.
- Trained mortgage staff to complete mortgage closings.
- Completed extensive coursework to meet Metropolitan Bankers Association underwriting guidelines.
LOAN OFFICER AND PROCESSOR
CEA Mortgage
01.2002 - 12.2005
- Originated and processed all loans applications to various Investors for approval.
- Recommended loan approvals and denials based on customer loan application reviews
- Monitored pipelines to track and log status of loans
- Explained very technical financial information to applicants in easy to understand language
Education
Bachelor of Arts - Elementary Education
The College of St Catherine
St Paul, MN1995
Skills
- Education Training
- Compliance
- Accounting
- Analytical and Critical Thinking
- Time Management
- Verbal and Written Communication
- Problem-Solving
- Finances
Certification
DE certification (CHUMS) for FHA loans Underwriter Certification: Metropolitan Bankers Association Loan Originator: Wisconsin Department of Financial Institutions
.
Timeline
SENIOR MORTGAGE UNDERWRITER
Fairway Independent Mortgage Corporation
10.2016 - Current
MORTGAGE UNDERWRITER III
Waterstone Mortgage Corporation
09.2013 - 10.2016
MORTGAGE UNDERWRITER
GSF Mortgage Corporation
09.2012 - 09.2013
MORTGAGE UNDERWRITER
Waukesha State Bank
01.2006 - 09.2012
LOAN OFFICER AND PROCESSOR
CEA Mortgage
01.2002 - 12.2005
Bachelor of Arts - Elementary Education
The College of St Catherine
DE certification (CHUMS) for FHA loans Underwriter Certification: Metropolitan Bankers Association Loan Originator: Wisconsin Department of Financial Institutions
.
Similar Profiles
Catherine C. ValentineCatherine C. Valentine
Creative Manager at Fairway Independent Mortgage Corporation. NMLSCreative Manager at Fairway Independent Mortgage Corporation. NMLS
Gladys MontoyaGladys Montoya
Loan Opener/Loan Officer Assistant at Fairway Independent Mortgage CorporationLoan Opener/Loan Officer Assistant at Fairway Independent Mortgage Corporation
Zachary S. DuniganZachary S. Dunigan
Loan Officer Assistant at Fairway Independent Mortgage CorporationLoan Officer Assistant at Fairway Independent Mortgage Corporation