Hi, I’m
Sky Goodwin
Solution Analyst/Mortgage Underwriter, MLO
Phoenix,AZ
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals, seeking a position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
20
years of professional experience
10
Certifications
Work History
Rocket MortgagePhoenix, AZ
Solution analyst
11.2020 - 08.2022
Job overview
- Responsible for analyzing loan files that are not moving correctly through loan process, solving loan level issues, and effectively communicating with clients
- Managed over 50 customer calls per day
- When resolving loan files, responsible for analyzing potential risks and ensuring loans comply with various investor and regulatory guidelines.
- Review complex loan scenarios and loan documentation such as credit, income, assets, and appraisal documents
- Analyze risk on loan level basis to provide solutions to loan issues
- Effectively communicate with clients using written and verbal communication methods
- Understand conditions needed to close and obtain final loan approval and review them with clients
- Monitor existing policies and procedures to ensure loans comply with all policies and guideline
- Loan Restructuring
- Approving shortages making adjustments to pricing and loan terms and products
- Loan conclusions Conditional Approving or withdrawing loans that do not meet guidelines
- This also includes investigating borrower's credit history, ordering appraisals, and verifying income and employment
- In addition, reviewed debt to income ratios, confirm down payment and Asset account information, and ensure all paperwork is submitted correctly based on current underwriting guidelines. Conducted loan analysis and implementation to maintain and improve Loan closing sales rates.
Rocket Mortgage by Quicken LoansPhoenix, AZ
Mortgage Loan Originator
11.2020 - 08.2022
Job overview
- Federally and state licensed MLO Including - AZ, WI, CA, KS,WA, SD,TX,NM,NV,NH,WV,ME
- Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
- Increased sales by 10%.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
- Explained very technical financial information to applicants in easy to understand language.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
Loving ArmsPhoenix, AZ
Director
06.2012 - Current
Job overview
- Maintained accurate accounting of tuition and operating reports.
- Maintained group discipline through positive reinforcement, behavior modeling and collaboration with parents.
- Selected appropriate stories based on ages of children and teachable moments, read to groups and promoted discussions based on content.
- Observed children to proactively identify issues with emotional or physical development and worked with parents and supervisors to address concerns.
- Developed lessons and activities to promote children's physical and emotional development.
- Kept areas clean, organized and stocked and sanitized surfaces and toys.
- Set and enforced rules to maintain children's safety and created welcoming, caring environments for all children.
Self-employedPhoenix, AZ
Freelance Writer and Researcher
11.2000 - Current
Job overview
- Utilized exceptional writing, editing and proofreading skills to produce engaging and error-free content.
- Proofread copy written by colleagues to correct spelling, punctuation and grammar.
- Organized material to research and complete writing tasks.
- Wrote and edited high-quality content and visually impactful programs under deadline pressure with exciting, captivating and authentic approach.
- Consulted with customers to understand project requirements and purpose.
- Researched and wrote original content for case studies, emails and newsletters.
- Conducted interviews with subject matter experts to generate topics.
- Incorporated review comments and corrections into existing documentation.
- Brainstormed ideas to create useful content for clients.
- Streamlined research processes to meet tight deadlines for multiple projects
- Sorted data into well-organized formats and transformed into figures
- Analyzed and interpreted patterns and trends
- Performed research into study topics to increase knowledge and to provide valuable contributions
Arizona Grand Resort & SpaPhoenix, AZ
Cocktail Server
01.2012 - 01.2014
Job overview
- Checked and maintained proper set-up and cleanliness of service station before, during, and after shift
- Greeted guests in friendly and courteous manner and explained all specials, promotions and snacks
- Took orders, up-selling premium brands and Increased sales by 20%
- Inputted orders into POS
- Replenished beverages as requested, frequently checking back with guest to inquire about satisfaction,Promptly
- Presented guests with checks within timely manner thanking them and inviting them to return.
- Maintained high levels of bar safety by closely monitoring guests' conditions and discontinuing service or asking patrons to leave.
Culinary productions of AmericaChandler, AZ
Asst. Manager
01.2002 - 01.2013
Job overview
- Communicated with customers to review catering goals and budget, deliver quotes and proposals, schedule event and carry out catering needs as contracted.
- Maintained close working relationships with food and beverage director, head chef and banquet manager.
- Collaborated closely with clients to develop exciting catering menus for memorable events.
- Handled incoming company phone calls, addressing customer needs, concerns and deadlines to promote retention and satisfaction.
- Visited venues before events to assess kitchen facilities and make thorough labor and equipment plans.
- Coordinated contracts, plating guides and team training manuals.
- Planned, scheduled and oversaw tastings allowing interested parties and clients to sample popular menu items prior to making selections.
- Monitored and controlled banquet budget and coordinated with events budgets to maximize revenue and minimize expenses while providing quality guest service.
- Managed Teams of 20 +
- Made hiring recommendations to increase company's productivity and profitability with quality workers
Education
Smart HorizonsPhoenix, AZ
High School Diploma
University Overview
- Completed professional development in business studies
Skills
Rules and regulations
Verbal and written communication
Search Engine Optimization
Written Communication
Flexible and Adaptable
Self-Motivated
Loan to Value Ratio Calculations
Asset Statements
Residential Loans
Debt-to-Income Ratios
Residual Incomes
Deep knowledge of bankruptcy processes
Attention to Detail
Multitasking Abilities
Negotiation
Sales and marketing
Legal guidelines understanding
Equipment setup and maintenance
Medical terminology knowledge
Creative problem solving
POS systems expert
Multi-line phone talent
Microsoft Outlook
Adobe and Adobe Flash
Customer service expert
Documentation skills
Certification
MLO
Additional Information
Mortgage Underwriting & loan origination, Along with Advanced technology experience with Microsoft Office Suite - Teams, Excel, AMP, GURU, Loan Compass, Document Viewer, Cherwell, Automated Underwriting System (AUS)verbal and written communication skills with the ability to de-escalate and overcome objections.
- I am Federally and state licensed As an MLO and worked my way up to The solution analyst position which is part of rocket mortgages suspense underwriting Team, with my NMLS license and state licenses in the following states
- AL,AZ, IN, IA, WI, CA, MO, KS, WA, SD, TX, NM, NV , NH, WV, ME
Advanced knowledge -
- Computers/keyboarding
- Accounting/math
- Economics
- Sales and marketing
- Government regulations and legislation
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Solution analyst
Rocket Mortgage
11.2020 - 08.2022
Mortgage Loan Originator
Rocket Mortgage by Quicken Loans
11.2020 - 08.2022
Director
Loving Arms
06.2012 - Current
Cocktail Server
Arizona Grand Resort & Spa
01.2012 - 01.2014
Asst. Manager
Culinary productions of America
01.2002 - 01.2013
Freelance Writer and Researcher
Self-employed
11.2000 - Current
Smart Horizons
High School Diploma