Stephanie Ghreir
Clinton Township,MI
Summary
An individual with more than 15+ years experience in communicating and developing relationship with clients. Skilled at problem solving and conflict resolution with expertise in analyzing documentation and risk management. Result-driven professional with a keen eye to details. Fast learners and a team player seeking to utilize my knowledge and background to secure a position with a well established organization.
Overview
12
12
years of professional experience
Work History
Purchase Underwriter
Flagstar Bank, FSB
Troy, MI
06.2019 - Current
- FHA, Jumbo, Assumption Certified.
- Underwrote an average of 110 initial loans per month with a 99% perfect audit rate.
- Analyzed financial documents, such as tax returns, bank statements, pay stubs, and credit reports, to determine the borrower's ability to repay the loan.
- Interpreted results from automated underwriting systems.
- Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
- Determined whether or not to approve or deny a loan application by company guidelines.
Mortgage Loan Officer Assistant
Bank Of England - Orlando
Troy, MI
10.2018 - 06.2019
- Communicate with clients and partners during various stages of the loan process.
- Analyze the applicant's financial status to determine different loan options. Input pertinent information into the DU/LP system to property-qualify clients and assist with the underwriting process.
- Managed loan application pipeline to ensure timely processing of all loans.
- Reviewed credit reports, appraisals, title policies, insurance documents, and other relevant paperwork for accuracy and completeness.
Purchase Underwriter
Quicken Loans
Detroit, MI
09.2015 - 10.2018
- Calculated debt-to-income ratios to ensure compliance with industry standards.
- Analyzed financial documents, such as tax returns, bank statements, pay stubs, and credit reports, to determine the borrower's ability to repay the loan.
- Verified employment history and income of applicants.
- Requested additional information for applications and documents when necessary.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Determined loan eligibility and approved or rejected applications.
Purchase Closing Specialist
Quicken Loans
Detroit, MI
03.2012 - 09.2015
- Assisted with ensuring all company wires went out on time by keeping track of the wire deadline for over 150 closing specialists.
- The person was responsible for all product types, which include QLMS, CCS, SPS, FHA, VA, Jumbo, Schwab, Piggie, and Team Member loans.
- Ensured timely processing of loans by monitoring progress throughout the entire process.
- Prepared closing documents such as promissory notes, deeds of trust, and disclosure statements.
- Reviewed final documents for accuracy before disbursing funds at closing.
- Developed relationships with local lenders, attorneys, buyers, and sellers to facilitate smooth closings.
Education
Certified in Medical Billing - Finance
Dorsey School of Business
Southgate, MISkills
- Language Efficiency in Arabic
- Gilbert's Award Winner for outstanding performance in 2016
- 15 years in customer service
- 5 star client rating and top production in company
- considered a team player with positive attitude
- Self motivated and dependable
- Exceptional client experience
- Computer skills with knowledge of Microsoft word, Excel, powerpoint
References
- Mina Jarboo, Flagstar Bank, (586) 804-2224
- May Haddad, Quicken Loans, (248) 416-4685
- Nivin Jiddou, Quicken Loans, (248) 860-5366
Language
Arabic
Professional
References
References available upon request.
Timeline
Purchase Underwriter
Flagstar Bank, FSB
06.2019 - Current
Mortgage Loan Officer Assistant
Bank Of England - Orlando
10.2018 - 06.2019
Purchase Underwriter
Quicken Loans
09.2015 - 10.2018
Purchase Closing Specialist
Quicken Loans
03.2012 - 09.2015
Certified in Medical Billing - Finance
Dorsey School of Business
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