Keyantai James
Daphne
Summary
Dynamic mortgage professional with extensive experience at Navy Federal Credit Union, excelling in mortgage compliance and credit analysis. Proven track record in enhancing team productivity and resolving complex underwriting issues. Adept at utilizing underwriting software and fostering collaboration, ensuring high-quality standards and exceptional service delivery.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter
Navy Federal Credit Union
Pensacola
05.2018 - Current
- Reviewed mortgage applications for compliance with lending guidelines.
- Analyzed credit reports to assess borrower risk and eligibility.
- Collaborated with loan officers to expedite the underwriting process.
- Evaluated property appraisals to ensure accurate valuations and market fit.
- Utilized underwriting software to streamline application assessments and approvals.
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Communicated with internal team members to discuss identified conditions needed for approval.
- Resolved pre and post-closing issues relating to underwriting such as issues.
- Verified that all submitted documents were accurate, complete, and in accordance with relevant laws and regulations.
- Explained complex loan terms and conditions to customers in a clear manner.
- Researched any discrepancies between application information supplied by applicants versus third-party sources.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer, or denial.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Maintained compliance with company and regulatory policies.
- Addressed and resolved underwriting discrepancies and sought additional information as needed.
Mortgage Production Supervisor
Navy Federal Credit Union
Pensacola
01.2016 - 05.2018
- Supervised daily production activities to ensure team efficiency and quality standards.
- Coordinated workflow among team members to meet production schedules and deadlines.
- Implemented process improvements to enhance productivity within the production unit.
- Collaborated with management to resolve production issues and improve workflow processes.
- Maintained accurate records of daily production activities.
- Trained new staff on production processes and procedures.
- Performed regular quality checks throughout the production process to ensure specifications were met.
- Communicated effectively with other departments to ensure smooth workflow from start to finish.
- Reviewed individual employee performance to correct issues and enhance productivity.
- Analyzed data from monthly productivity reports to identify trends and potential issues with current processes.
- Investigated member complaints related to product quality or delivery times.
- Identified needs of members promptly and efficiently.
- Recommended opportunities for growth and advancement to motivate employees.
Skills
- Mortgage compliance
- Credit analysis
- Property appraisal evaluation
- Underwriting software
- Financial data analysis
- Loan origination
Certification
- SAR Certification
References
References available upon request.
Timeline
Senior Mortgage Underwriter
Navy Federal Credit Union
05.2018 - Current
Mortgage Production Supervisor
Navy Federal Credit Union
01.2016 - 05.2018
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