Jessica Culver

• Managed entire mortgage process from inquiry through post-closing with the highest level of detail, service and professionalism.
• Fielded mortgage inquiries from bank clients, structured and pre-underwrote all mortgage applications and presented approval recommendations to internal Credit team.
• Contributed to bank's client acquisition, account growth and relationship management by offering and servicing relevant banking products to clients.
• Partnered with Relationship Managers, Financial Advisors, and all relevant parties on all transactions.

• Held operational and credit underwriting primarily focused on residential mortgages.
• Contributed to each company's production and operational goals by underwriting loan requests, participating in pilot programs to identify process gaps and suggest improvements.
• Led a mortgage processing team and oversaw daily pipeline to ensure maximum productivity and training.

• Supervised daily operations of UHNW Underwriting group
• Responsible for: underwriting lending requests and issuing credit decisions, presenting recommendations to Credit Risk, interfacing with Private Bankers/Financial Advisors/clients/key stakeholders on all UHNW transactions, managing escalations, reporting productivity metrics to Sr. Mgmt., coaching underwriters and ops staff, etc.
• Led as SME in pilots for new lending products such as International and Entity & Trust Lending. Involved in lead team for process improvements and ad hoc projects.
• Collaborated with Legal & Quality Control teams to ensure credit and compliance standards were met.

• Key player in successfully building bank's first mortgage platform
• Structured & delivered tailored mortgage solutions to HNW clients
• Managed end-to-end loan process by functioning as liaison between clients, Credit Risk, Financial Advisors and other stakeholders
• Analyzed complex financial documents (i.e. trusts, LLCs, income, appraisals, etc.) to determine borrower's eligibility in accordance with Credit policy
• Assisted Compliance group with data for mortgage call reports and audits

• Liaised for agents, clients and interested parties on high-end NYC RE transactions
• Compiled data reports/market research, prepared contracts/board packages/listing agreements
• Assisted with showings/open houses, closings, sales pitches and ad hoc projects
• Handled existing and prospective client needs with exceptional service

• Sourced and originated mortgage loans as top producer within JPM's retail and private bank divisions
• Partnered with FAs to cross-sell bank products after assessing clients' financial needs
• Maintained proven track record for high customer satisfaction ratings and loan quality while increasing bank branch's revenue

(HELD VARIOUS ROLES WITH WIDE RANGE OF RESPONSIBILITIES DURING TENURE)