Elan Robinson
Chandler,AZ
Summary
Motivated professional pursuing becoming a Underwriter in Mortgage . Possess strong critical thinking and analytical skills with commitment to highest standards of quality. Dedicated team player with commitment to achieving global business goals. Valuable hands-on experience in Mortgage Industry . Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 17 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Enthusiastic Junior Underwriter eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Clear understanding of Company Guidelines and Company Goals . Motivated to learn, grow and excel in Finance .
Overview
19
19
years of professional experience
Work History
Junior Underwriter ( REMOTE)
Finance of America
Chandler, AZ
09.2020 - Current
- Evaluates and analyze all loan packages including credit and collateral documentation to ensure investment quality loan product and seek feedback from appraisal department on any questionable collateral.
- Partners with loan originators, work to assist in structuring loan to ensure salability of package.
- Checks accuracy of all calculations and analyze income utilizing personal and or corporate tax returns of all borrowers.
- Consults with processing and funding departments to ensure all underwriting conditions are met prior to loan closing.
- Maintains accuracy and competency in utilizing Company's system of record for automated underwriting of loan files.
- Works closely with Underwriting management to resolve questions and issues.
- Follows company standards for delivery of integrity, client focus, teamwork and respect for each individual.
- Developed team communications and information for meetings
CDC REMOTE - Temporary
Apple One/ Maximus
Chandler, AZ
04.2021 - 07.2021
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Answered Inbound calls from Customers who were needing to schedule appointments to get Vaccine.
- Provide Excellent Customer Service
- Follow Company Guidelines, read script verbatim
- Finding locations for customer in their area to get covid 19 Vaccine
Junior Underwriter ( REMOTE)
Bank of the West
Tempe, AZ
06.2018 - 09.2020
- Helped committees evaluate borrower creditworthiness by preparing thorough underwriting calculations and worksheets.
- Reviewed third-party reports such as appraisals, inspections, and environmental reports for properties.
- Processed 18 complex mortgage loans per month.
- Worked with mortgage banker and borrower to obtain all account conditions.
- Worked within and consistently met strict guidelines in order to adhere to company and policy standards.
- Pre-underwriting, files by analyzing income, taxes bank statements, and purchase contracts prior to underwriting submittal for FHA, Conventional and Heloc loans.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Loss Mitigation Specialist
DITECH
Tempe, Arizona
01.2018 - 08.2018
- Obtained overdue payments, reaching out to delinquent account holders to set up repayment plans.
- Resolved questions and assisted with paperwork by personally helping individuals.
- Rectified application problems such as missing and incorrect information with proactive approach to reviewing documentation.
- Determined risk level and feasibility of granting loans based on standard calculations.
- Assisted with tasks and work duties during slow periods to maintain team productivity.
- Remained updated with latest information related to mortgage products and services being offered.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Monitored 20 pipelines to track and log status of loans
Mortgage Loan Processor
Loan Depot
Scottsdale, AZ
08.2017 - 01.2018
- Obtained underwriting approval by following outlined recommendations and submitting appropriate packages.
- Verified adequacy of customer collateral for loan security.
- Handled issues at any stage in loan process by contacting customers by phone, email, or letter.
- Evaluated clients' backgrounds with information collected from credit bureaus, employers, and personal references.
- Supported customers throughout application and closing processes.
- Smoothed loan closings by collecting necessary paperwork and clearances.
- Familiar with Fee Sheets.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Reviewed and validated details of loan applications and closing documentation.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Conducted pre-funding and funding activities for over 15 monthly applications
Loss Mitigation Specialist
Cenlar
Tempe, Arizona
06.2016 - 08.2017
- Obtained overdue payments, reaching out to delinquent account holders to set up repayment plans.
- Rectified application problems such as missing and incorrect information with proactive approach to reviewing documentation.
- Resolved questions and assisted with paperwork by personally helping individuals.
- Educated clients on barriers to loan qualification such as excessive spending and debt loads.
- Helped customers navigate options to maintain homeownership.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Assisted with short sales and deed in lieu processes.
Sr. Customer Service Representative
JP Morgan Chase
Tempe, Arizona
11.2006 - 10.2013
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Provided primary customer support to internal and external customers.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Helped customers navigate options to maintain homeownership.
- Assisted with short sales and deed in lieu processes.
- Assessed clients' financial data to determine loan suitability.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Explained very technical financial information to applicants in easy to understand language.
- Monitored pipelines to track and log status of loans.
- Reduced average call time 20 % with optimal call control and proper use of internal knowledge bases
Education
High School Diploma -
University High School
Los Angeles, CA06.2003
Skills
- Time management
- Relationship building
- Quality assurance
- Microsoft Office
- Teamwork
- Customer Service
- Reliable
- Highly Organized
- Detailed Oriented
- Multi-tasking
- Ability to work in fast paced environment
- Ability to adapt to change quickly
Timeline
CDC REMOTE - Temporary
Apple One/ Maximus
04.2021 - 07.2021
Junior Underwriter ( REMOTE)
Finance of America
09.2020 - Current
Junior Underwriter ( REMOTE)
Bank of the West
06.2018 - 09.2020
Loss Mitigation Specialist
DITECH
01.2018 - 08.2018
Mortgage Loan Processor
Loan Depot
08.2017 - 01.2018
Loss Mitigation Specialist
Cenlar
06.2016 - 08.2017
Sr. Customer Service Representative
JP Morgan Chase
11.2006 - 10.2013
High School Diploma -
University High School