Joseph Pinnell
Phoenix,AZ
Summary
I have 24 years of banking experience in Wealth Management, Treasury, Quality control, Mortgage Underwriting, Small Business Underwriting, Accounting, Payroll and Regulatory Compliance. I quickly gained the ability to develop relationships with partners across departments to be more effective and efficient.
Overview
11
11
years of professional experience
Work History
Operations Support III
Bank Of America
Phoenix
10.2023 - Current
- First point of contact for clients submitting implementation requests via email for high revenue clients
- Conduct limited research and respond to client and able to answer questions and inquiries
- Provide quality Control for Treasury Products and Services Packages
- Follow procedures and attention to detail
- Works closely with internal teams in services and fulfillment.
Accountant/Paralegal
Rafi Law Group
Phoenix
12.2022 - 09.2023
- Gather case facts and medical records
- Works diligently to identify and pay valid lien holders
- General knowledge of Auto Insurance which includes UIM, UM, Policy Tenders etc
- Research for any outstanding liens, judgments or delinquent child support payments
- Work with providers to negotiate reductions for our clients
- Stay in contact with the client through the process to insure they are receiving constant updates on their case
- Contact client once process is completed to have them sign their Settlement Distribution Sheet, Release and Power of Attorney so the client can get paid from their settlement
- Successfully meet goals and deadlines.
Senior Mortgage Underwriter
Bank of America
Chandler
10.2021 - 06.2022
- Manual Underwriting per guidelines for Conforming and Non-Conforming loans
- Evaluate credit worthiness of borrowers in order to render a credit decision
- This includes review of paystubs, W2's, financial statements, business and personal tax returns, asset statements, bank account statements, credit reports, bankruptcies, collection accounts, foreclosures, appraisals, title, solar etc
- Uses background experience and knowledge of guidelines and personal judgement to make loan decisions which exceed Bank guidelines when warranted
- Financial Analysis - Accurately determines the financial condition of the applicants
- Achieves and exceeds work goals for productivity, quality and turnaround time
- Demonstrates proficiency in analyzing extremely complex financial information including debt ratios, verification of assets review, credit review, calculation of income for both wage earners and Self- Employed borrowers
- Over 7 years of Mortgage Underwriting experience.
Mortgage Underwriter 2
LOANDEPOT.COM, LLC
Phoenix
02.2021 - 07.2021
- Evaluate credit worthiness of borrowers in order to render a credit decision
- This includes review of paystubs, W2's, financial statements, tax returns, asset statements, bank account statements, credit reports, appraisals, title, solar etc
- Uses background experience and knowledge of guidelines and personal judgement to make loan decisions which exceed Bank guidelines when warranted
- Financial Analysis - Accurately determines the financial condition of the applicants
- Approves loans up to $1,000,000
- Keeps an open communication with the Mortgage Consultant, Processor and Closer to be sure the correct documentation is received
- Achieves and exceeds work goals for productivity, quality and turnaround time
- Demonstrates proficiency in analyzing extremely complex financial information including debt ratios, verification of assets review, credit review, calculation of income for both wage earners and Self- Employed borrowers
- Over 5 years of Mortgage Underwriting experience
- Averages two new reviews and 5 plus recons per business day.
Consumer Underwriter 3
Wells Fargo
Tempe
05.2019 - 02.2021
- Applies Knowledge of mortgage servicing process and/or Wells Fargo underwriting guidelines
- Keeps an open communication with the Mortgage Consultant, Processor and Closer to be sure the correct documentation is received
- Evaluates borrower's credit and capacity to repay
- Achieves and exceeds work goals for productivity, quality and turnaround time
- Demonstrates proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets review and credit review
- Adheres to all Wells Fargo Fair Lending practices
- Works with the Mortgage Consultant for all possible counter offers if needed.
Mortgage Underwriter
JPMorgan Chase
Phoenix
05.2016 - 11.2018
- Applies knowledge of mortgage servicing process and/or Chase Credit underwriting guidelines
- Applies knowledge of mortgage servicing process and/or Chase Credit
- Resolves difficult and challenging problems by identifying potential or innovative solutions, determines documentation deficiencies within review and communicates findings with clarity
- Achieves and exceeds work goals for productivity, quality and turnaround time
- Analyzes difficult and challenging problems and identifies potential or innovative solutions, identifies documentation deficiencies within review and communicates findings with clarity
- Demonstrates proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets review and credit review
- Adheres to all Chase Fair Lending practices.
Private Business Underwriter
Wells Fargo
Phoenix
06.2013 - 05.2016
- Review small business banking, commercial and high net worth loan packages according to business unit standards
- Extend credit to and monitoring to new and existing loan portfolios
- Review Business and Personal Tax Returns including (1040, 1040c, 1065, 1120, 4506T including all schedules)
- Selected by Upper Management to lead and assist a team of 4 Underwriters to strategize a new way of reviewing and rating our overall quality and production standards
- Facilitated bi-weekly team meetings which also included case studies to go over previous apps that we could learn and grow from
- Analysis of credit standards to determine applicant's credit worthiness
- Use critical thinking to handle problem loans/workouts to determine solutions as needed
- Communicate underwriting decisions and provide customer assistance as needed
- Prioritize work to meet aggressive quality and production level agreements
- Integrate and interpret information from a variety of sources such as personal and business credit bureau, bank relationship and tax returns to determine application decision
- Working knowledge of Hogan, AFS, FDR, Ecar and CPS systems
- Unsecured/Secured productions: Business lines, Visa credit cards, SBA, Term loans and Equipment finance
- Accomplishments: Aged Pipeline Expert, Mortgage Express project lead, Acting Floating Manager.
Loan Servicing Specialist
Wells Fargo
Phoenix
03.2013 - 06.2013
- Mentored Funding Analysis new hires and provided constructive feedback
- Review Documents such as Business and Personal Tax Returns, Articles of Organization/Incorporation, Meeting Minutes, Bill of Sale
- Knowledge about Business Direct Operations and groups such as Booking, Underwriting, Quality Assurance and Correspondence
- Research and provide answers to complex questions from Customer Service
- Participated in the Sinclair Business Term Loan and Secured Line of Credit projects
- Part of the specialty team in Funding Analysis
- Currently participating in an Internship with Lending
- Lending experience includes learning Lender Interface, credit policies, credit decisions, capping, familiarizing with decline and counter decline codes, approving and declining application
- Research online sources to verify Address and Ownership for Business
- Analyze Documents such Business and Personal Tax Returns, Articles of Organization/Incorporation, Meeting Minutes, Bill of Sale.
Education
Associate's degree - Business
Gateway Community College
Phoenix, AZ09.2014
Skills
- SAP
- MYAPEX
- Microsoft Excel
- Word
- Outlook
- Access
- PowerPoint
- Data Verify
- Hogan
- ECar
- Empower
- MX
- Core
- M4
- IAT Tool
- IFULLFILL
- DMP
- GFS
- OBA
- Mortgage Servicing
- Credit Analysis
- Banking
- Underwriting
- Pricing
- Tax Experience
Coreknowledgeandskills
- Client experience
- Escalation Management
- Internal & external communication
- Agent Development
- Self Starter
- Multi-tasking and efficiency
- Process improvement
- Advising
- Organized
Personal Information
- Willing To Relocate: Anywhere
- Authorized To Work: Yes
- Title: Mortgage Underwriter
Timeline
Operations Support III
Bank Of America
10.2023 - Current
Accountant/Paralegal
Rafi Law Group
12.2022 - 09.2023
Senior Mortgage Underwriter
Bank of America
10.2021 - 06.2022
Mortgage Underwriter 2
LOANDEPOT.COM, LLC
02.2021 - 07.2021
Consumer Underwriter 3
Wells Fargo
05.2019 - 02.2021
Mortgage Underwriter
JPMorgan Chase
05.2016 - 11.2018
Private Business Underwriter
Wells Fargo
06.2013 - 05.2016
Loan Servicing Specialist
Wells Fargo
03.2013 - 06.2013
Associate's degree - Business
Gateway Community College