Karen Meacomes
Wilson,NC
Summary
Dynamic Sr Underwriting Analyst with PNC Bank, adept at credit analysis and problem-solving. Proven track record in analyzing complex income sources to enhance loan eligibility, while fostering collaboration and effective communication with internal partners. Recognized for attention to detail and adaptability in fast-paced environments, ensuring compliance and quality in all loan processes.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Sr Underwriting Analyst - Verification of Income
PNC Bank, NA
02.2011 - 08.2024
- Analyzed complex sources of income to determine eligibility for home equity loans.
- Actively participated in ongoing professional development opportunities, staying current on industry best practices and contributing insights to team discussions.
- Provided exceptional service to internal partners by responding promptly to inquiries and resolving issues in a timely manner.
- Reviewed credit reports, financial statements and tax returns to determine credit worthiness.
- Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
Loan Processor
Cornerstone Bank
09.2006 - 10.2010
- Processed loan applications, ensuring compliance with regulatory requirements and company policies.
- Collaborated with underwriters to facilitate timely loan approvals and closings.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
Operations Specialist
BB&T Mortgage
04.1996 - 09.2006
- Facilitated successful loan closings by coordinating with underwriters, correspondents, and attorneys throughout the process.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Compiled closing packages for drafting and presentation accuracy.
- Identified opportunities to cross-sell and upsell loan products to customers.
Education
Business Management
Wilmington University
Wilmington, DE06-2025
Skills
- Microsoft office
- Credit analysis
- Underwriting guidelines
- Report preparation
- Teamwork and collaboration
- Problem-solving
- Attention to detail
- Effective communication
- Adaptability and flexibility
- Analyzing data
- Analytical thinking
Certification
- CNP - Certified Notary Public
Timeline
Sr Underwriting Analyst - Verification of Income
PNC Bank, NA
02.2011 - 08.2024
Loan Processor
Cornerstone Bank
09.2006 - 10.2010
Operations Specialist
BB&T Mortgage
04.1996 - 09.2006
Business Management
Wilmington University
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