Juanita O’Neal
Riverdale,IL
Summary
Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
33
33
years of professional experience
Work History
Life Insurance Sales Agent
American Income Life Insurance Agency
Chicago, IL
08.2023 - Current
- Created customer profiles and analyzed their needs to recommend appropriate life insurance products.
- Answer or call on approximately 160 to 180 calls per day
- Provide insurance quotes according to the need of client
- Transfer to a license agent for close
- Successfully transfer 75% of business
Remote Medical Sales Rep- Call Center
OakStreet Health
Chicago, IL
03.2021 - 08.2023
- Responsible handling outside calls on automatic dealer to generate leads effectively engage with Medicare senior to through community events and schedule appointments to consult with physicians regarding medical needs
- Maintain internal sales quotas and system knowledge, attend scheduled meetings, learn of new updates services and workstreams and initiatives, maintain 90% of expected sales quota, achieving bonus plans
Remote Mortgage Underwriting Call Center Consultant
Federal National Mortgage Association
Chicago, IL
01.2020 - 03.2021
- Answer 40 to 60 incoming calls nationwide to consult and confirm FNMA guidelines, enabling client to make a sound underwriting decision
- Ability to effectively navigate and manage multiple platforms simultaneously
Trid Credit Compliance Auditor
Situs AMC
, TX
02.2018 - 01.2020
- Perform Trid Compliance review on closed loans, capture the document data and input into compliance ease, review documents to ensure that they are in compliance with client requirement scope, adding appropriate deficiencies adding the what, why and how, maintaining working knowledge of audit updates, maintaining your availability for daily loan levels issues, monitoring E-mails, successfully maintaining audit reviews of 80% and over also daily quotes
Mortgage Underwriter
Loan Simple, Co.
02.2016 - 02.2018
- Perform full mortgage review of first, second and Heloc loans for accuracy and completeness, under banking and mortgage lending guidelines, excelled with daily, weekly and monthly quotas as well as excelled at 95% of my audits
Post funding loan examinations
Opus Capitol LLC
Lincolnshire, IL
04.2013 - 01.2016
- Review of Post funding loan examinations to uncover potential fraud and misrepresentations, to identify opportunities for improvements in the loan origination and front-line underwriting process, Successful in keeping daily quote of 4 loan reviews per day
Remote Mortgage Underwriter
Royal United Mortgage LLC
Indianapolis, Indiana
09.2011 - 04.2013
- Effectively reviewed 120 loans per month quality control random audits performed rating 90%
- Effectively performed full package risk analysis including compliance on 1/4 family residential home loans, make decisions regarding deficiencies identified during review
- Professionally communicated decision in computerized format distributed to external team
- Train, lead and guide loan officers with guidelines and product knowledge
- Effectively reviewed all condition files within 24 to 48 hrs
- Effectively and productively retained closing ratio of 92%
Mortgage Underwriter-QC Auditor
Cross Check Compliances LLC
Chicago, IL
01.2009 - 08.2011
- Effectively reviewed 100 loans per month within each quality control audit assigned
- Effectively Perform risk analysis and make decision regarding deficiencies identified during the review
- Effectively identified in review 80% transaction components that indicate potential fraud and perform sufficient investigative work to resolve issues that are identified
- Record data and review conclusion in system
- Professionally communicate the results of file review in written format
- Meet and exceed 90% timeframe deadlines and monthly deliverables
- Responsible for maintaining knowledge level regarding underwriting, process and regulatory changes and agency guidelines as they relate to quality control audit functions
Remote Senior Mortgage Underwriter
Rocket Mortgage
Detroit, MI
01.2007 - 01.2009
- Effectively reviewed 80 loans per month funding 60 well over company goal
- Effectively in compliance with FNMA, FHLMC, government, state, and company guidelines error rate 7% and QC audit pass of 90%
- Reviewed first and second conventional residential loans, 75% investor and self-employed, Jumbo, Manual, LP and DU approval
- Reviewed credit, tax returns, financial statements, appraisals, title, escrow instructions, and RESPA
- Reviewed file conditions meeting SLA commitments of 24 to 48 hours turn-around time
- Trained, guided and assisted processors and loan officers with underwriting guides
- Tracked and monitored daily loans and reports issued to board members and managers
Senior Mortgage Underwriter
DEVON Bank
Chicago, IL
09.2004 - 12.2006
- Reviewed first and second 1-4 family residential loans for Manual, LP, and DU approval and reviewed loan modification request
- Analyzed income, credit assets, title, and appraisals of Manual loans to determine value and provided recommendations for the board
- Updated processors and loan officers in all with the status of decisions
- Reviewed 80 to 90 files per month increasing the company quota
- Reviewed complex self-employed and investor loans
- Contributed to creating underwriting and establishing and managing a Quality Control Program which diminished the audit defaults by decreasing the error rate from 60% to 15%
- Reviewed 45% HAMP files and HARP 2 FILES on a monthly basis
- Reviewed and analyzed conventional mortgage insurance companies and internal processes and systems of companies
- Appraised residential properties with thorough analysis of complex financial statements, complex loan scenarios for high end borrowers, credit reports, and ratios
- Planned and conducted internal audits and financial analysis, preparing clients for government audits
- Prepared reports and audit findings determining controls and best business practices
- Created and managed the internal fraud unit
- Maintained company timelines and agreements and volume goals
- Provided training on New Reaps Laws, HMDA Compliance, and new loan office compensation
- Contributed to the generation of loan posts and comprehensive reports to distribute to Board members
Senior Processor
The Private Bank
Worth, IL
05.2002 - 09.2004
- Managed front line and quality control underwriting for all conventional, FHA, and VA Loans
- Determined eligibility of closed loan files while maintaining requirements of the FNMA and FHLMC guidelines
- Conducted risk analysis and determined eligibility based on deficiencies and potential fraud risks
- Reviewed incoming loans requests from various states for required documents, standard income qualifications, asset requirements, and HMDA compliance
- Collaborated with brokers to track and obtain missing data
Senior Underwriter/Auditor
FCM Direct Lending
Oak Brook, IL
08.2000 - 05.2002
- Loan Modification and Loss Mitigation review 55%, Reverse Mortgage review 15%
- Audited mortgage loan according to the FCM Lending, Federal, and State guidelines and timelines
- Maintained volume standards by reviewing loan modifications under HARP and HAMP guidelines
- Determined origination underwriting deficiencies against original investor or MI guidelines
- Contributed data findings for continuous analysis and proper delivery of client reports
- Maintained quality control and volume standards while delivering within 100% of company goals
Underwriter
Triad Guarantee
Schaumburg, IL
10.1998 - 07.2000
- Underwrote conventional loans, delegated MI Underwriting, both conforming and non-conforming
- Verified and ensured completeness of loan file documentation, guidelines followed, fraud prevention evaluation, income qualifications, and credit evaluations
- Reviewed 8-10 loans daily
- Collaborated with more than 15 brokers, providing written reports, loan findings, and decisions
Processing Manager
Marquis Financial
Chicago, IL
09.1996 - 10.1998
- Led and trained team in processing department
- Increased efficiency and compliance with proper quality control measures in file imaging
- Streamlined the automated process of risk management to reduce losses and increase productivity
- Increased monthly closings by 60%
- Coordinated with lenders regarding compliance and revised regulations accordingly
- Provided all human resource training
Underwriter
Noble Mortgage
Allentown, PA
04.1994 - 08.1996
- Underwrote conventional mortgage loans including both conforming and non-conforming
- Underwrote 6-8 loans daily; closed 90% of pipeline
- Verified assets, validated income, and reviewed collateral and compliance
- Reviewed unusually complex underwriting and functions
- Prepared reports for review ensuring accuracy, consistency, and completeness of documentation
- Assisted with re-negotiations and pricing
Underwriter
Washington Mutual
Pittsburg, PA
05.1992 - 03.1994
- Underwrote manual loans in accordance to FNMA guidelines
- Underwrote 10 automated loan files daily
- Determined if automated caution loans could be converted to approval eligible status (60% of the loans were able to be converted)
- Responded to FNMA quality control feedback letters
Mortgage Underwriter
Bank One
Chicago, IL
07.1991 - 04.1992
- Reviewed large condo and PUD projects ensuring eligibility to secondary market guidelines
- Validated income requiring expertise with complex tax returns of individuals, S corporations, C corporations, and partnerships
- Trained and led 10 loan officers to comply with industry guidelines including: FNMA and FMLMC guidelines, secondary market REPS, and warranty policies
- Underwrote manual loans closed at least 80% of pipeline
Education
Bookkeeping and Accounting
Harold Washington College
Chicago, IL01.1988
Skills
- Loan Underwriting
- Forensic Underwriting
- Conventional Loan Processing
- FHA Loan Processing
- VA Loan Processing
- Loan Originations
- FNMA Guidelines
- FHLMC Guidelines
- Private Mortgage Insurance Guidelines
- Investor Loans
- Jumbo Loans
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
- Microsoft Outlook
- Encompass
- Contour
- Blitz Doc’s
- Zippy
- Unified
- Pro-Point
- Loss Mitigation
- HAMP
- Loan Modifications
- HMDA Reporting
- Post Close Underwriting
- Regulatory Compliance
- RESPA Compliance
- Collateral Assessment
- Prudent Underwriting
- Condo Project Eligibility
- Freddie Mac Quality Control
- Mortgage Servicing Fraud Trends
- SAAS Applications
- CRM Systems
- Salesforce
- Genesys
- Five 9
- Microsoft 365
- Zoom
- Zendesk
- Employee Management
- Leadership
- Interviewing
- Resume Filtering
- Employee Training
- Mentoring
- Confidential Material Handling
- NMLS ID #238664
- Studying for Insurance license
Skillexperience
True, True, True, 16, 4, 2, 20, Microsoft Excel, Microsoft Word, Microsoft PowerPoint, Microsoft Outlook, Encompass, Contour, Blitz Doc’s, Zippy, Unified, Pro-Point, 8, 6, True, True, 6, 6, True, Collateral Assessment, Sound Prudent Underwriting, Condo Project Eligibility, Freddie Mac Quality Control, Mortgage Servicing Fraud Trends, HMDA and New RESPA regulations, FHA Underwriting training, 2010-2011, CRM systems, billing, salesforce, genesys, Five 9 CRM Systems, microsoft 356, zoom, zendesk, 8, Interviewing candidates, Resume filtering, Approving coordinating employee schedules, Training and mentoring employees
Timeline
Life Insurance Sales Agent
American Income Life Insurance Agency
08.2023 - Current
Remote Medical Sales Rep- Call Center
OakStreet Health
03.2021 - 08.2023
Remote Mortgage Underwriting Call Center Consultant
Federal National Mortgage Association
01.2020 - 03.2021
Trid Credit Compliance Auditor
Situs AMC
02.2018 - 01.2020
Mortgage Underwriter
Loan Simple, Co.
02.2016 - 02.2018
Post funding loan examinations
Opus Capitol LLC
04.2013 - 01.2016
Remote Mortgage Underwriter
Royal United Mortgage LLC
09.2011 - 04.2013
Mortgage Underwriter-QC Auditor
Cross Check Compliances LLC
01.2009 - 08.2011
Remote Senior Mortgage Underwriter
Rocket Mortgage
01.2007 - 01.2009
Senior Mortgage Underwriter
DEVON Bank
09.2004 - 12.2006
Senior Processor
The Private Bank
05.2002 - 09.2004
Senior Underwriter/Auditor
FCM Direct Lending
08.2000 - 05.2002
Underwriter
Triad Guarantee
10.1998 - 07.2000
Processing Manager
Marquis Financial
09.1996 - 10.1998
Underwriter
Noble Mortgage
04.1994 - 08.1996
Underwriter
Washington Mutual
05.1992 - 03.1994
Mortgage Underwriter
Bank One
07.1991 - 04.1992
Bookkeeping and Accounting
Harold Washington College
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