Jolene Blasko
Ramseur,NC
Summary
Highly-motivated employee with numerous years of experience in underwriting with a desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
20
20
years of professional experience
Work History
Underwriter
South Atlantic Bank
01.2022 - 06.2023
- Gathered and analyzed information to determine risk acceptability. Conventional, USDA and FHA (Chums #JF23)
- Ensure loans submittal met internal and external eligibility requirements/guidelines.
- Provide meticulous attention to detail in underwriting loans. Evaluate financial strength of borrowers to determine risk and repayment capacity.
- Demonstrate excellent follow-through with loan processors, originators and management throughout all phases of underwriting process.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Underwriter
DML Direct Home Loans
04.2020 - 12.2021
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Participated in industry conferences and events, staying current on emerging trends and expanding professional network connections.
Underwriter
IMG Integrity Mortgage Group
08.2018 - 03.2020
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
- Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
- Played a vital role in the development of new underwriting guidelines that improved overall risk management practices within the organization.
Education
High School Diploma -
06.1999
Skills
- Underwriting guidelines - Conventional, USDA, FHA (CHUMS JF23), Manual UW USDA & FHA, DPA Loans, Manufacture Homes, Condos, JUMBO
- Technical Skills: Encompass, Caylx, LoanBeam and Uberwriter (self-Employment & rental Income), Outlook, Excel, Microsoft Office
- Loan Evaluation
- Customer service-focused
- Attention to Detail
- Problem-Solving
- Friendly, Positive Attitude
- Property Evaluation
- Quality Assurance
- Risk Assessment
- Sales Support
- Underwriting guidelines
Accomplishments
- Customer Service Award - 2008 Carolina Bank (Underwriter)
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Collaborated with compliance team with annual FHA and Conventional Audits.
- Achieved more accurate income calculations by introducing Uberwriter and LoanBeam for borrowers with Self-employed and rental income to employer.
References
Phil Carmac 336-953-6047 - VP of Mortgage Division - Carolina Bank (Employed with Carolina Bank 2008-2016)
Dean Wolfe 336-302-0490 - Owner of IMG Integrity Mortgage
Timeline
Underwriter - South Atlantic Bank
01.2022 - 06.2023
Underwriter - DML Direct Home Loans
04.2020 - 12.2021
Underwriter - IMG Integrity Mortgage Group
08.2018 - 03.2020
Eastern Randolph High School - High School Diploma,
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