Joie Richardson
Conventional mortgage underwriter
Detroit,Mi
Summary
Mortgage underwriting professional with keen eye for detail and commitment to accuracy. Proven track record in evaluating loan applications and ensuring adherence to lending guidelines. Known for fostering teamwork and adapting to changing priorities, leveraging key skills such as risk assessment and regulatory compliance.
Overview
13
13
years of professional experience
Work History
Garnishment Specialist
Midland Credit Management
05.2024 - 08.2024
- request.
- Reduced errors in garnishment calculations through meticulous attention to detail and thorough review procedures.
- Reviewed, computed and corrected payroll errors to improve accuracy of garnishments.
- Demonstrated mastery of applicable software programs used for managing garnishments while providing valuable input into system improvements as necessary.
- Improved efficiency in processing garnishments, leading to reduced turnaround times for clients.
Processing Specialist
UWM
03.2023 - 06.2023
- Provided assistance with inbound and outbound document processes, document sorting, logging, and work order creation.
- Converted documents from one application to another.
- Performed document reproduction, printing documents from electronic sources such as email attachments, PDF files and cloud storage.
- Worked with internal staff to process documents and sent for closing.
- Monitored and created control reporting to track performance of system and process integrity, vendors, internal workflows and SLAs.
Senior Mortgage Underwriter
GATEWAY MORTGAGE
12.2020 - 05.2022
- Company Overview: a division of Gateway First Bank - Oklahoma
- Underwrite new loans within the turn time for the day and communicate with the branches if a loan is to be denied or suspended
- Complete a thorough analysis of bank statements, credit reports, income documents i.e w-2, 1099, tax returns documents, HOI policies, and title documents
- Cross train of FHA loans both purchases and refinances
- Review newly submitted documents to clear a loan for closing
- A division of Gateway First Bank - Oklahoma
SR Underwriter
UWM
02.2019 - 12.2020
- Underwriting loans and providing approvals or denials using the FNMA and FHLMC selling guide
- From all leadership and peers I have been deemed as the most positive person to work with
- I have mentored/trained multiple team members due to my productions and quality scores
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
Sr Auditor
Amrock
04.2011 - 12.2018
- Company Overview: Title Source
- Trainer for the audit team;
- Post close team member responsible for all communication to lenders via phone call and email
- Review all loan documents from the closing to ensure all lender and underwriting requirements have been fulfilled
- Understand all county recording requirements and ensure all documents meet each county's standards
- Title Source
Education
Bachelors of applied science - Project Management
ITT TECHNICAL INSTITUTE
Troy, MI12.2014
Associate of Applied Science - Criminal Justice
ITT Technical Institute
Troy, Mi12-2011
Skills
- Underwriting
- Credit Analysis
- Fair Housing Regulations
- Banking
- Risk Management
- FHLMC guidelines
- FNMA guidelines
- Credit document analysis
- Risk assessment
- Title review
- Title research
- Issue resolution
- Microsoft office
- Document review
- Garnishment processing
- Teamwork and collaboration
Personal Information
Work Permit: Authorized to work in the US for any employer
Additional Information - Skills And Abilities
- I am well versed in the FHLMC and FNMA guidelines for mortgage underwriting and can approximately underwrite 7 loans per day.
- Well versed in credit documents and analyzing risk assessments between credit and income.
- Title review and research and resolving delays and issues surrounding break of title chain
Timeline
Garnishment Specialist
Midland Credit Management
05.2024 - 08.2024
Processing Specialist
UWM
03.2023 - 06.2023
Senior Mortgage Underwriter
GATEWAY MORTGAGE
12.2020 - 05.2022
SR Underwriter
UWM
02.2019 - 12.2020
Sr Auditor
Amrock
04.2011 - 12.2018
Bachelors of applied science - Project Management
ITT TECHNICAL INSTITUTE
Associate of Applied Science - Criminal Justice
ITT Technical Institute
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