Summary
Overview
Work History
Education
Skills
Timeline
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Jill M. McAlister

Jacksonville Beach,FL

Summary

Experienced mortgage professional skilled in relationship management, who is an educator and point person. Adept at risk assessment and loan structuring within complex compliance environments. Proven ability to manage strategic initiatives and drive successful outcomes in audit-intensive settings.

Overview

24
24
years of professional experience

Work History

Specialty Mortgage Underwriter III

JPMorgan Chase Bank
Jacksonville, FL
07.2015 - 12.2024
  • Loss mitigation underwriter within the Specialty Underwriting Team. Made credit decisions and restructured loans within the areas of litigation, assumption, high balance, and matured loans.
  • Analyzed customer financials, including the calculation of income, debt ratios, and verification of assets.
  • Responsible for restructuring loans within the guidelines of multiple investors: Private, Asset, GSE, and FHA.
  • Partnered with Chase's general counsel and investors to help settle litigation suits to mitigate bank losses.
  • Thorough knowledge of MSP, DW, ER, CMS, I-Vault, LPS, and Infosource.

Loan Officer

PHH Mortgage
Irvine, CA
01.2015 - 06.2015
  • Loan originator responsible for promoting competitive mortgage products, services, and programs to local-area real estate offices.
  • Managed relationships with real estate brokers and their agents.
  • Consulted with customers about their current and future needs to help achieve their financial homeownership goals.
  • Analyzed customer financials and credit to determine the feasibility of granting loans.
  • Educated customers on different types of loans and credit options available: Conforming, Jumbo, FHA, and VA.
  • Calculated customer rates and lock options with accurate pricing.
  • Produced complete loan applications with supporting documentation, while maintaining regulatory and lending compliance.

Relationship Manager II - Home Preservation Travel Team

JPMorgan Chase Bank
Santa Ana, CA
02.2009 - 11.2013
  • Relationship Manager responsible for representing the bank at national outreach events.
  • Assisted Chase customers in applying for loss mitigation options, and maintained compliance with bank, federal, and investor guidelines in a heavy audit and controlled environment.
  • Managed an assigned group of non-profit modification submissions from application to close.
  • Maintained service level agreements, and provided daily pipeline status reporting while exercising excellent relationship-building skills.
  • Performed financial analysis to ensure customer eligibility at outreach events.
  • Maintained a quality and compliance score of 98% or higher at all event audits.

Mortgage Loan Consultant

Washington Mutual
Tampa, FL
06.2004 - 08.2008
  • Loan originator responsible for the sales and marketing of the company's mortgage products.
  • Educated clients based on understanding the client's needs, and credit risk tolerance.
  • Ability to find solutions to complex lending situations, and close the deal.
  • 12 million in sales in the last full year of employment.
  • Expert understanding of rate locks, policies, underwriting requirements, and bank service-level agreements.
  • Specialized in conforming and jumbo non-conforming mortgage solutions.

Mortgage Loan Coordinator

Washington Mutual
Clearwater, FL
06.2001 - 05.2004
  • Processed mortgage loans and managed customers through the lending process, with excellent customer service and follow-up.
  • Skillful in risk/credit analysis, income analysis, appraisal/title review, and loan order follow-up.
  • Managed a pipeline with up to 45 loan closings a month.
  • Condition clearing authority up to $1,000,000.
  • Personal loan coordinator to top Presidents Club sales originator.
  • Utilized DU/LP to underwrite conforming mortgages, and issue credit approvals.
  • Ensured federal loan compliance with RESPA, TIL, HMDA, and ECOA.

Education

Bachelor of Arts - Psychology

Northern Illinois University
Dekalb, IL

Skills

  • Loan structuring
  • Analytical and critical thinking
  • Financial analysis
  • Risk assessment
  • Credit decisioning
  • Relationship management

Timeline

Specialty Mortgage Underwriter III

JPMorgan Chase Bank
07.2015 - 12.2024

Loan Officer

PHH Mortgage
01.2015 - 06.2015

Relationship Manager II - Home Preservation Travel Team

JPMorgan Chase Bank
02.2009 - 11.2013

Mortgage Loan Consultant

Washington Mutual
06.2004 - 08.2008

Mortgage Loan Coordinator

Washington Mutual
06.2001 - 05.2004

Bachelor of Arts - Psychology

Northern Illinois University