Laura Hagler
Ankeny,IA
Summary
Top-notch Senior Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels. Strong knowledge of VA underwriting.
Overview
14
14
years of professional experience
Work History
Senior Underwriter (SAFE) - VA
Wells Fargo
06.2020 - Current
- 3V underwriting authority
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Made approval and denial recommendations by determining accurate risk levels.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Determined and documented loan conditions and communicated requirements and decisions.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Business Risk & Control Associate
Wells Fargo
03.2019 - 06.2020
- Detected and mitigated BSA/AML risks.
- Performed auditing work in accordance with rigorous auditing standards and principles.
- Administered auditing program to address risks and evaluate compliance with regulatory requirements.
- Identified control gaps in processes, procedures and systems through in-depth research and assessment and suggested methods for improvement.
- Established audit and internal control procedures and recommended process improvements to address issues.
Underwriter (SAFE)
Wells Fargo
11.2009 - 03.2019
- Conventional (3C), HARP (1C), Correspondent, FHA Loss Mitigation, and VA.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Utilized credit policy to manage/mitigate risk and compliance with both Wells Fargo and Governmental guidelines/standards.
- Strong verbal, written, and interpersonal communication with all levels of the organization.
Education
Bachelor of Science - Marketing
Upper Iowa University
Fayette, IASkills
- Quality Control
- Risk Assessments
- Loss Prevention
- Guidelines Understanding
- Data Collection
- Relationship Building
- Quality Assurance
- Risk Evaluations
- Analyzing Data
- Risk Management
- Risk Assessment
- Asset Statements
Timeline
Senior Underwriter (SAFE) - VA
Wells Fargo
06.2020 - Current
Business Risk & Control Associate
Wells Fargo
03.2019 - 06.2020
Underwriter (SAFE)
Wells Fargo
11.2009 - 03.2019
Bachelor of Science - Marketing
Upper Iowa University
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