Julian Crumes
Banking/Finance/Customer Service
Cincinnati,OH
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled financial professional. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Talented financial professional with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 10 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Astute and methodical Senior Mortgage Underwriter with significant background working with diverse customer base. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
8
8
years of professional experience
Work History
Mortgage Underwriter
Union Home Mortgage
05.2021 - 03.2022
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Checked personal and team calculations to validate information and underwriting decisions.
- Met 2-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Verified integrity of applicants' information to minimize fraud
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status
- Applied grades to each loan application based on established criteria to keep institutional risk low
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms
- Worked with processing team members to communicate errors and obtain missing information for current applications
- Developed and maintained relationships with investors to drive compliance with guidelines
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies
- Approved or denied loans based on established criteria and underwriting guidelines.
Mortgage Underwriter
First Reliance Capital LLC
03.2020 - 05.2021
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Checked personal and team calculations to validate information and underwriting decisions.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Met 2-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Reviewed over 10 financial statements per hour.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Verified integrity of applicants' information to minimize fraud
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status
- Applied grades to each loan application based on established criteria to keep institutional risk low
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms
- Monitored pipelines to track and log status of loans
- Researched and updated industry knowledge on changing legislation and regulations
- Explained very technical financial information to applicants in easy to understand language
- Processed loan applications and monitored progress from start to finish
- Established plans and payoffs for customers' loans, prioritizing control of overall costs
- Assisted customers with completing loan applications and other paperwork
- Analyzed potential risks and evaluated loan products to identify suitable options for customers
- Evaluated loan requests and documents to verify accuracy and completeness
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
- Compiled closing packages for drafting and presentation accuracy
- Approved loan applications based on customer creditworthiness and provided detailed financial advice
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
- Negotiated loan terms and conditions with customers to secure best deal
- Assessed loan portfolios for compliance with underwriting policies
- Proactively identified solutions for customers experiencing credit issues
- Identified opportunities to cross-sell and upsell loan products to customers
- Approved or denied loans based on established criteria and underwriting guidelines
- Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines
- Developed and maintained relationships with investors to drive compliance with guidelines
- Worked with processing team members to communicate errors and obtain missing information for current applications
Mortgage Underwriter
Citizens Bank
08.2017 - 03.2020
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Checked personal and team calculations to validate information and underwriting decisions.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Met 2-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Assessed aging accounts and initiated collection strategies based on conditions.
- Reviewed over 10 financial statements per hour.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Verified integrity of applicants' information to minimize fraud
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status
- Applied grades to each loan application based on established criteria to keep institutional risk low
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms
- Monitored pipelines to track and log status of loans
- Explained very technical financial information to applicants in easy to understand language
- Processed loan applications and monitored progress from start to finish
- Established plans and payoffs for customers' loans, prioritizing control of overall costs
- Assisted customers with completing loan applications and other paperwork
- Analyzed potential risks and evaluated loan products to identify suitable options for customers
- Developed and maintained relationships with customers, lenders and other third parties
- Evaluated loan requests and documents to verify accuracy and completeness
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
- Compiled closing packages for drafting and presentation accuracy
- Approved loan applications based on customer creditworthiness and provided detailed financial advice
- Negotiated loan terms and conditions with customers to secure best deal
- Assessed loan portfolios for compliance with underwriting policies
- Identified opportunities to cross-sell and upsell loan products to customers
- Helped college students obtain financial aid through loan programs
- Reviewed appraisals and title documents to verify accuracy and completeness
- Approved or denied loans based on established criteria and underwriting guidelines
- Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines
- Worked with processing team members to communicate errors and obtain missing information for current applications
Senior Loan Officer
Truist Bank Formerly SunTrust Bank
12.2013 - 03.2017
- Recommended loan approvals and denials based on customer loan application reviews.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Developed and maintained relationships with local real estate agents.
- Maintained strict confidentiality of bank records and client information.
- Developed strong relationships with customers through high levels of customer service.
- Collaborated with other departments to promptly process loan applications.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Developed and implemented marketing campaigns to attract new customers.
Education
Bachelor Of Science - Finance
University of Maryland - University College
Hyattsville, MD05.2015
Skills
- Desktop Underwriter
- Loan Structuring /Restructuring
- Debt-To-Income Ratios/Debt service Credit rations
- Loan Product Knowledge
- Financial Advisement
- Key Performance Indicators (KPI)
- Eligibility Requirements
- FHLMC Guidelines
- Residential Loans
- Banking Standards
- Microsoft Office
- Loan Modification
- Asset Statements
- Application Analysis
- Complex Problem-Solving
- Government Standards
- Loan Portfolio Monitoring
- Analytical and Critical Thinking
- Deep Knowledge of Bankruptcy Processes
- Non-Prime Markets
- Proficient in 10-key
- Financial analysis aptitude
Websites
Accomplishments
- Achieved Result through effectively helping with Task.
- Documented and resolved Issue which led to Results.
- Achieved Result by introducing Software for Type tasks.
- Achieved Result by completing Task with accuracy and efficiency.
Timeline
Mortgage Underwriter
Union Home Mortgage
05.2021 - 03.2022
Mortgage Underwriter
First Reliance Capital LLC
03.2020 - 05.2021
Mortgage Underwriter
Citizens Bank
08.2017 - 03.2020
Senior Loan Officer
Truist Bank Formerly SunTrust Bank
12.2013 - 03.2017
Bachelor Of Science - Finance
University of Maryland - University College