Jessica McLaren
Inver Grove Heights,MN
Summary
A detail-oriented, analytical and critical thinker, that has over 20 years of experience in mortgage underwriting and fraud auditing. In depth understanding of risk analysis, fraud reviews, compliance, guidelines, and regulations. Excellent reputation for always being professional, building professional relationships, and having excellent communication skills. Produces high quality work and able to problem-solve, prioritize workflow, be a team player, and be a mentor to the other team members.
Overview
27
27
years of professional experience
Work History
Consumer Banker II
Bremer Bank
St. Anthony, MN
01.2024 - Current
- Provided customers with detailed information about consumer banking products and services.
- Developed customer relationships to identify new sales opportunities.
- Conducted financial analysis of customer needs, goals, and objectives.
Senior Mortgage Underwriter
Wells Fargo
07.2009 - 01.2023
- Achieved and maintained the highest level of underwriting authority available in portfolio lending. Apply expert judgment in decisioning deals and complete risk analysis on complex loans over $1 Million. Adhere to credit and operational policies and procedures.
- Built and maintained professional relationships with bankers, loan officers, processors, and closers. Bankers and loan officers request to work with me personally.
- Assessed client's credit and assets and analyze financial data, including complex business tax returns, income statements, and balance sheets to determine if the business is profitable and to verify that the cash flow using to qualify is supported. Review loans with up to 25 businesses owned.
- Exceptional communication skills to correspond clearly and professional with bankers, loan officers, processors, managers, closers, and clients.
- Managed multiple applications at a time in a fast paced environment. Time management skills to complete tasks promptly, and attention to detail ensuring that all elements of the application process are completed properly.
- Completed in-depth review of the appraisal to confirm the value is supported and that the report is accurate and complete.
- Mentored and trained junior co-workers advancing to the next level of underwriting.
- Team Lead to 10 employees. Reputation of being knowledgeable, helpful, professional and respectful.
Senior Mortgage Auditor
Tena Companies, Inc.
03.1997 - 03.2009
- Analyzed closed residential mortgage loans, which ranged from moderate to highly complex, for fraud, compliance, and risk analysis.
- Evaluated all parts of the loan, from application to closing, for accuracy and compliance with state and federal regulations. This included an extensive review of credit, income, assets, and title.
- Extensive review of the appraisal to ensure the value was supported and that the report was accurate. Was chosen to review appraisals for appraisers that wanted to be placed on the approved appraiser list.
Education
Simley Senior High School
Inver Grove Heights, MNSkills
- NMLS
- Bank Secrecy Act
- Anti-Money Laundering
- 100% Quality
- Analytical And Critical Thinking
- Building Professional Relationships
- Income Statements And Balance Sheets
- Complex Business Returns
- Excellent Customer Service Skills
- Cash Flow Analysis
- Mortgage Lending Requirements
- Loan Originator (SAFE)
- Portfolio Lending
- 100% Close On Time
- Excellent Verbal And Written Communication Skills
- Restructuring Loans
- Mentor
- Detail-Oriented
- Variance And Risk Analysis
- Creditworthiness Determination
- Property Evaluation
- Fast-Paced Environment
- Efficient In Excel, Word, and Outlook
- Independent
- Adaptability
- Multitasking
- Highly Motivated
- New Construction
- FHA/DE Certification
- Positive Attitude
- Fraud
- TX Certified
- Condo/Co-op
- Team Lead
Timeline
Consumer Banker II
Bremer Bank
01.2024 - Current
Senior Mortgage Underwriter
Wells Fargo
07.2009 - 01.2023
Senior Mortgage Auditor
Tena Companies, Inc.
03.1997 - 03.2009
Simley Senior High School