Katherine C. VanRoy
Summary
A position with a dynamic lending institution where an enthusiastic individual with extensive knowledge and experience in all banking and lending procedures, coupled with outstanding interpersonal and communication skills, is required and customer satisfaction is the goal.
Senior Level financial professional with diversified experience in a various capacities with progressively greater responsibility in credit risk, operational risk and compliance risk. My strengths include a strong work ethic with self-motivation, analytical thinking and attention to detail. I try to make a difference everyday by being a contributor to the organization, I accept challenges and enjoy problem solving,
Professional underwriter with comprehensive knowledge in risk assessment, policy development, and client relationship management. Proven track record in delivering high-quality results through collaborative efforts and adaptability to changing market conditions. Strong analytical skills, attention to detail, and strategic approach drive impactful decisions and foster team success.
Overview
24
24
years of professional experience
Work History
Senior Underwriter
Wells Fargo Home Mortgage
06.2011 - 12.2022
- Analyzing documentation including income, assets & liabilities to ensure they meet all investor guidelines and requirements
- Maintaining a high pipeline of clients focused on Private Banking Customers and Wealth Management Clients, and New Construction with a builder relationship with the bank which tend to need more attention
- Maintaining constant communication with internal and external customers
- Second level review of loans to see if there was a way to save the deal with minor impact to the customer or with the documentation that was already obtained
- Mentored and trained new underwriters on the team
- Working closely with loan officers and area managers so there is respect, trust and partnership in their success
- One of the top 5 underwriters in the company based on quality and production and customer satisfaction for the past 10 years
Loan Doc Specialist 4/Underwriter 1
Wells Fargo Home Mortgage Reverse Mortgage
02.2007 - 06.2011
- Maintaining a high level of loans
- Ensuring all loan documentation meets FHA requirements and guidelines
- Working with Sales force to meet expectations of the borrowers and sales goals
- Top Performer on my team and in the site as well
Team Lead/Work Director for Wholesale Lending
Wells Fargo Bank
06.2005 - 02.2007
- Subject Matter Expert for loan processing departments testing new technology, systems and compliance issues
- Maintained a 100 plus pipeline, high volume of calls and clearing conditions
- Clearing more complicated conditions for Junior Loan Processors (i.e
- Taxes, trust and power of attorneys)
- Training and Auditing files for loan processors to give them signing authority on conditions
- Mentoring and coaching new employees as well as current employees with duties, relationship building with brokers and account executives
- Load leveling amongst team and other teams
- Top Performer and Team Player of the month multiple times
Team Lead/Loan Processor 3 for Wholesale Lending
Wells Fargo Bank
07.2002 - 06.2005
- Maintained a 100 plus pipeline, high volume of calls and clearing conditions
- Training, mentoring and coaching new employees as well as current employees
- Load leveling amongst team and other teams
- Top Performer and Team Player of the month multiple times
- Subject Matter Expert for loan processing departments testing new technology, systems and compliance issues
- 2003 Service Conference Winner
Customer Service Representative for an Inbound Sales Channel
Wells Fargo Bank
02.2002 - 07.2002
- High volume of calls and pipeline management
- Legendary Customer service expected with every call
- Direct contact with customers
Supervising Teller/Customer Service Representative
Wells Fargo Bank
10.2000 - 08.2001
- Top Teller Performance in Teller Referrals for 4th Quarter 2000 and 1st and 2nd quarter of 2001
- Supervisor for 10 tellers
- Approved transactions over teller limits
- Ensured all drawer counts were completed timely and accurately, and researched errors when found
- Assisted tellers in reaching their individual and branch sales goals
- Assisted customers in establishing accounts, resolving account discrepancies, loan applications, etc
- Other duties as requested
In-House Loan Originator
Norwest Mortgage
01.1999 - 10.2000
- Due to the financial status of our customers and the branch's commitment to serving them, it was absolutely necessary that I be able to understand their unique financial circumstances to ensure they were provided an opportunity for affordable housing refused by other banks
- I was named Retention Representative due to the number of repeat customers served by our branch
- Specifically selected by the Bank President for this challenging and rewarding position
Education
Towson State University
Towson, MDSkills
- Interpersonal skills
- Communication skills
- Compliance regulations
- Investor requirements
- Customer Service
- Relationship building
- Word
- Excel
- Access
- Rapid learning
- Flexibility
- Supervisory Skills
- Training and mentoring
- Analyzing data
- Risk evaluations
- Credit analysis
- Risk management
- Underwriting guidelines
- Risk assessments
- Quality assurance
- Portfolio management
- Loss prevention
- Quality control
- Managing risk
- Renewing policies
- Freddie mac & fannie mae
- Underwriting calculations
- Loss mitigation
- Loan approval & denial
- Time management
- Critical thinking
- Decision-making
- Analytical thinking
Accomplishments
- 2003 Service Stars Conference-CCG Service Excellence Award
- 2007 Service Stars Conference- Customer Satisfaction Award
- 2008 Service Stars Conference-Customer Satisfaction Award
- 2009 Service Business Meeting- Customer Satisfaction Award
- 2010 Customer Satisfaction Award
- 2016 Service Conference Award / Top 10 National Underwriter
- 2017 Service Conference Award / Top 10 National Underwriter /
- 2018 Service Conference Award / #1 Underwriter in the Charlotte Market & #3 Nationally
Qualificationsandstrengths
- Outstanding interpersonal and communication skills
- Extensive knowledge of all compliance regulations and investor requirements
- Exceptional Customer Service and Relationship building skills for internal and external clients
- Extensive knowledge of word, excel and access
- Rapid learning curve, extremely flexible
- Supervisory Skills
Timeline
Senior Underwriter
Wells Fargo Home Mortgage
06.2011 - 12.2022
Loan Doc Specialist 4/Underwriter 1
Wells Fargo Home Mortgage Reverse Mortgage
02.2007 - 06.2011
Team Lead/Work Director for Wholesale Lending
Wells Fargo Bank
06.2005 - 02.2007
Team Lead/Loan Processor 3 for Wholesale Lending
Wells Fargo Bank
07.2002 - 06.2005
Customer Service Representative for an Inbound Sales Channel
Wells Fargo Bank
02.2002 - 07.2002
Supervising Teller/Customer Service Representative
Wells Fargo Bank
10.2000 - 08.2001
In-House Loan Originator
Norwest Mortgage
01.1999 - 10.2000
Towson State University
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