Juanita Foster
Grapeview,WA
Summary
Dedicated mortgage professional. offering over 25 years experience involvement in the lending industry. Dedicated, motivated, and passionate about customers and the ability to provide excellent customer service. Exercise strong leadership and team building abilities with emphasis on successful training programs. Recognized for being top producer and having great customer skills. Accomplished customer service expert committed to quality service. Ethical and professional. Seeking to assist a new customer service department in creating and reaching service goals. Attention to detail Customer service Project management Problem-solving abilities Organizational skills Client and vendor relations Coaching ability Decision making Problem solving Multi-tasking and negotiation Application review Written communication Task prioritization Microsoft Word Underwriting support Financial history review Loan approval
Overview
25
25
years of professional experience
Work History
Mortgage Processor
Wells Fargo
Bothell, WA
12.2019 - 01.2024
- Supported customers throughout application and closing processes
- Locate applicant financial and personal information from sources such as credit bureaus and employers
- Calculated debt-to-income ratios, loan-to-value ratios, and other applicable percentages.
- Researched and resolved discrepancies related to the loan application process.
- Followed up on conditions requested by underwriters or insurers during the loan approval process.
- Reviewed post-closing documents for accuracy before submitting them to investors and insurers.
- Validated borrower's information against credit bureaus as well as other financial institutions.
- Maintained communication with borrowers to ensure timely submission of required documents.
- Reviewed loan applications and supporting documentation to ensure accuracy of data.
- Managed communication between loan officers, underwriters, and clients to ensure timely processing.
- Calculated borrowers' income and debt ratios to assess loan eligibility.
- Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
- Filed and maintained loan records.
- Assembled and compiled documents for loan closings.
Subordination Mortgage Underwriter
Wells Fargo
Beaverton, OR
10.2010 - 11.2018
- Denied or approved loan applications based on evidence of credit qualifications
- Meeting contractual deadlines and working well under pressure
- Ensured loan applications contained supporting documentation and required information
- Evaluated loan applications to determine if minimum eligibility requirements were met
- Maintained compliance with bank underwriting policies and federal lending regulations
- Negotiated 100% of residential and commercial mortgage loans terms
- Oversaw entire mortgage processes from applications and origination to underwriting and closing
- Reviewed loan requests for accuracy and completeness
- Interacted with computers daily for design and communication purposes
- Reviewed company policies to ensure total compliance while on the job
- Trained co-workers in new versions of job-specific and company-specific software.
Mortgage Funder
FIRST BANK OF ARIZONA
Lynnwood, WA
08.2004 - 08.2008
- Obtained approvals by helping underwriters resolve problems with mortgage applications
- Established effective credit policies and lines, procedures and standards for loans in collaboration with senior management
- Verified completeness, accuracy and integrity of loan agreements
- Troubleshoot problems and developed successful solutions
- Helped team handle high-volume work by prioritizing tasks and organizing supplies
- Enhanced customer satisfaction with fast, knowledgeable [Type] service
- Served customers by going above-and-beyond to offer exceptional support for all needs
- Review documents for accuracy and completion balancing figures and insure the wires get out in a timely manner coordinate with escrow,title and all other components that go into finalizing the loan
Education
Yelm High School
Yelm, WASkills
- Attention to detail
- Customer service
- Project management
- Problem-solving abilities
- Organizational skills
- Client and vendor relations
- Coaching ability
- Decision making
- Multi-tasking
- Negotiation
- Application review
- Written communication
- Task prioritization
- Microsoft Word
- Underwriting support
- Financial history review
- Loan approval
Timeline
Mortgage Processor
Wells Fargo
12.2019 - 01.2024
Subordination Mortgage Underwriter
Wells Fargo
10.2010 - 11.2018
Mortgage Funder
FIRST BANK OF ARIZONA
08.2004 - 08.2008
Yelm High School