Dynamic professional with a strong background in customer service and mortgage underwriting. Skilled in problem-solving and teamwork to ensure quality outcomes in fast-paced environments.
Overview
28
28
years of professional experience
Work History
Sales Associate
Welkes Florist
11.2022 - Current
Handled cash transactions efficiently while adhering to company cash handling policies, ensuring accuracy in all financial exchanges.
Built relationships with customers to encourage repeat business.
Maintained calm demeanor and professionally managed issues in busy, high-stress situations.
Prepared merchandise for sales floor by pricing or tagging.
Answered customer questions about sizing, accessories, and merchandise care.
Rotated stock and restocked shelves to maintain product availability and store appearance.
Collaborated with team members to improve overall store performance, sharing best practices, and offering support as needed.
Assisted in training new staff members on company policies, product information, and sales techniques for a seamless onboarding experience.
Mortgage Loan Underwriter
Various
01.1998 - 10.2022
Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Explained very technical financial information to applicants in easy to understand language.
Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Monitored pipelines to track and log status of loans.
Evaluated loan requests and documents to verify accuracy and completeness.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Reviewed appraisals and title documents to verify accuracy and completeness.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
Effectively managed workload to ensure timely completion of all assigned tasks while maintaining a focus on quality.