Kenyatta Taylor
Chicago ,IL
Summary
Seasoned Underwriter with a robust history demonstrating unparalleled expertise in credit analysis and risk assessment. Excelled in streamlining loan processing, achieving high-quality rate scores, and enhancing team capabilities through mentorship. Skilled in Encompass and Microsoft Office, complemented by exceptional communication and critical thinking abilities.
Overview
17
17
years of professional experience
Work History
Credit Analysis Underwriter
Guaranteed Rate
Chicago , IL
11.2020 - 09.2024
- Approving the extension of credit and/or making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit
- Analyzed loan risk and reviewed loan conditions and requirements.
- Communicated loan decisions, including approvals, suspensions, or denials, clearly to all relevant parties.
- Collaborated with loan originators and processors to obtain necessary documentation for underwriting process.
- Reviewed titles and appraisals to meet insurer and guarantor guidelines.
- Maintained up-to-date knowledge of changing lending regulations and guidelines.
Credit Analysis Underwriter
JPMorgan Chase
Downers Grove, IL
09.2017 - 11.2020
- Approving the extension of credit and/or making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit.
- Communicated loan decisions, including approvals, suspensions, or denials, clearly to all relevant parties.
- Provided support and guidance to junior underwriters and other team members.
- Identified potential issues related to title, appraisals, insurance coverage.
- Maintained up-to-date knowledge of changing lending regulations and guidelines.
Mortgage Loan Processor
JPMorgan Chase
Downers Grove, IL
05.2007 - 09.2017
- Managed communication between customers, loan officers, underwriters, and clients to ensure timely processing and closing.
- Submitted loan packages to underwriting department for approval or denial decisions.
- Trained new loan processors on company procedures and loan processing software.
- Performed quality control checks on processed loans to ensure accuracy and completeness. Maintained high-quality rate scores.
- Worked with third-party vendors to address and clear loan closing requirements.
Education
Associate's Degree - Business Administration And Management
Mac Cormac College
Chicago, ILSkills
- Strong credit analysis and analytical skills
- Credit policy and procedures, and risk analysis
- Loan origination software (Encompass)
- Customer service and call center experience
- Critical thinking, adaptability, and flexibility
- Excellent verbal and written communication skills
- Proficient in Microsoft Office and Google Suite
- Excellent quality assurance and attention to detail
Timeline
Credit Analysis Underwriter
Guaranteed Rate
11.2020 - 09.2024
Credit Analysis Underwriter
JPMorgan Chase
09.2017 - 11.2020
Mortgage Loan Processor
JPMorgan Chase
05.2007 - 09.2017
Associate's Degree - Business Administration And Management
Mac Cormac College
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