JILL L RICHEY
Heath,United States
Summary
Disciplined Mortgage Underwriter pays attention to details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to produce quality results. Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Life Insurance Broker
Risen Financial
Heath , OH
2023.10 - Current
- Analyzed customer needs and recommended life insurance policies accordingly.
- Fostered relationships with clients to ensure satisfaction with life insurance coverage.
- Educated clients about the features, advantages, and disadvantages of different types of life insurance policies.
- Sold life insurance policies via telephone and assisted other agents with underwriting.
DE Mortgage Underwriter
The Union Bank Company
Gahanna , OH
2018.06 - 2022.07
- Reviewed and analyzed loan applications for completeness and accuracy.
- Assessed risk levels associated with each loan application based on established criteria.
- Issued clear written conditions for approval of mortgage loans.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Prepared closing statements, secured signatures on documents, and reviewed all loan conditions with customers.
DE Mortgage Underwriter
Columbus First Bank
Worthington , OH
2016.06 - 2018.06
- Evaluated loans against portfolio and investor guidelines.
- Determined loan eligibility and approved or rejected applications.
- Reviewed and evaluated loan applications and supporting documents.
Mortgage Loan Processor
Loan One Mortgage
Columbus , OH
2015.06 - 2016.06
- Reviewed loan applications and verified accuracy of borrower information.
- Processed loan documents and ensured compliance with federal regulations.
- Submitted completed loan packages to underwriting department for approval or denial decisions.
Mortgage Loan Assistant
First Bexley Bank
Columbus , OH
2011.11 - 2015.06
- Monitored loan processing activities to ensure timely completion of mortgage loans.
- Served as a liaison between customers, lenders, underwriters, title companies, real estate agents, appraisers.
Education
Bachelor of Arts - French
Ohio State University
Columbus, OH1993-08
Skills
- Documentation Review
- Application Analysis
- Credit Analysis
- Automated Underwriting System (AUS)
- Income Verification
- Data Interpretation
- Attention to Detail
- NMLS Registration
Certification
- DE Underwriter Certification
Timeline
Life Insurance Broker
Risen Financial
2023.10 - Current
DE Mortgage Underwriter
The Union Bank Company
2018.06 - 2022.07
DE Mortgage Underwriter
Columbus First Bank
2016.06 - 2018.06
Mortgage Loan Processor
Loan One Mortgage
2015.06 - 2016.06
Mortgage Loan Assistant
First Bexley Bank
2011.11 - 2015.06
Bachelor of Arts - French
Ohio State University
- DE Underwriter Certification
Similar Profiles
Frederick WashingtonFrederick Washington
Worship Pastor at Risen King Alliance ChurchWorship Pastor at Risen King Alliance Church
Christine HernandezChristine Hernandez
Registered Behavior Technician at Risen Consultants LLCRegistered Behavior Technician at Risen Consultants LLC
Joshua OlsonJoshua Olson
Owner at Risen TrainingOwner at Risen Training