Jesse Masters
Mortgage
Raymore,MO
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with residential customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
13
13
years of professional experience
Work History
Senior DE/SAR Mortgage Underwriter
North American Savings Bank
06.2020 - Current
- Create and implement underwriting procedures and strategies to accurately and efficiently process loan applications.
- Evaluate loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approve or deny loans based on established criteria and underwriting guidelines.
- Verify integrity of applicants' information to minimize fraud.
- Make careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
Junior Underwriter
North American Savings Bank
04.2019 - 06.2020
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Determined and documented loan conditions and communicated requirements and decisions.
- Collaborated with other professionals to develop innovative underwriting solutions.
Mortgage Loan Processor
North American Savings Bank
07.2016 - 04.2019
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Maintained accurate records of loan processing activities.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close.
Mortgage Loan Officer Assistant
North American Savings Bank
04.2013 - 07.2016
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Monitored key dates to obtain information by deadlines.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Communicated with customers daily to request information and complete paperwork.
Head Bank Teller
North American Savings Bank
07.2010 - 04.2013
- Educated customers on online banking and mobile banking applications.
- Referred customers to other banking departments for specialized services.
- Monitored and verified suspicious activity on customer accounts.
- Established rapport with new clients to increase satisfaction and loyalty.
Education
Associate of Arts -
South West Community College
Creston, IA05.2016
High School Diploma -
Archie High School
Archie, MO05.2009
Skills
- Residual Incomes
- Debt-To-Income Ratios
- Asset Statements
- Key Performance Indicators (KPI)
- FHA Loan Processes
- Eligibility Requirements
- Residential Loans
- Desktop Underwriter
- Reading Comprehension
- Credits Understanding
- Jumbo and Super Jumbo Loans
- Government Lending
Timeline
Senior DE/SAR Mortgage Underwriter
North American Savings Bank
06.2020 - Current
Junior Underwriter
North American Savings Bank
04.2019 - 06.2020
Mortgage Loan Processor
North American Savings Bank
07.2016 - 04.2019
Mortgage Loan Officer Assistant
North American Savings Bank
04.2013 - 07.2016
Head Bank Teller
North American Savings Bank
07.2010 - 04.2013
Associate of Arts -
South West Community College
High School Diploma -
Archie High School
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