Laura J. Conner
Charleston
Summary
Results-driven Mortgage Underwriter and Processor with extensive experience evaluating loan applications, managing credit risk, and ensuring regulatory compliance across conventional and government loan programs. Highly skilled in automated and manual underwriting, income and asset analysis, pipeline management, and cross-functional collaboration. Proven leader with experience coaching and mentoring teams to improve efficiency, quality, and customer satisfaction. Proficient in Encompass and Empower systems.
Overview
13
13
years of professional experience
Work History
Mortgage Processor
Success Mortgage Partners, Inc.
05.2024 - 01.2026
- Serve as primary liaison between underwriters, loan officers, and borrowers to support timely and accurate loan closings.
- Build strong borrower relationships by guiding customers through documentation requirements and resolving conditions efficiently.
- Process Conventional, FHA, VA, and USDA loans, including manually underwritten files, ensuring guideline and regulatory compliance.
- Deliver high-level customer service while maintaining accuracy, organization, and pipeline flow.
- Reviewed and verified loan applications for accuracy and completeness.
- Coordinated communication between borrowers, underwriters, and real estate agents.
Mortgage Underwriter
Truist
06.2020 - 11.2022
- Reviewed and underwrote residential mortgage loan applications, approving loans within delegated authority in accordance with bank credit policy and regulatory standards.
- Evaluated income, assets, personal and business tax returns, and credit to determine repayment ability and cash flow stability.
- Reviewed appraisals and collateral documentation to ensure marketability and policy compliance.
- Collaborated closely with sales, processing, and closing teams to clear conditions and meet closing deadlines.
Consumer Underwriting Manager
City National Bank, Charleston, WV
Charleston, WV
04.2014 - 05.2020
- Led and managed a consumer underwriting team supporting unsecured, auto, and real-estate lending products.
- Structured and reviewed credit decisions to balance risk mitigation with production goals.
- Coached and mentored underwriters and processors to improve quality, productivity, and customer service outcomes.
- Conducted audits of credit decisions and evaluated declined applications to identify missed approval opportunities.
- Communicated approvals, counteroffers, and adverse actions in full compliance with regulatory requirements.
Personal Banker
City National Bank, Charleston, WV
Charleston, WV
02.2013 - 03.2014
- Managed personal, trust, and commercial client relationships, providing comprehensive banking and lending support.
- Guided retail loans from application through closing, coordinating vendors and ensuring smooth execution.
- Resolved account issues and customer inquiries while maintaining strong service standards.
Education
Bachelor of Business Administration (BBA) - Finance
Marshall University, Lewis College of Business
Huntington, WVBachelor of Business Administration (BBA) - Management
Marshall University, Lewis College of Business
Huntington, WVSkills
- Automated & Manual Underwriting
- Credit & Risk Analysis
- Regulatory Compliance
- Income, Asset & Tax Return Analysis
- Application Pipeline Management
- Fannie Mae & Freddie Mac Guidelines
- FHA, VA, USDA Loans
- Process Improvement
- Team Leadership & Coaching
- Customer & Stakeholder Relationship Management
Timeline
Mortgage Processor
Success Mortgage Partners, Inc.
05.2024 - 01.2026
Mortgage Underwriter
Truist
06.2020 - 11.2022
Consumer Underwriting Manager
City National Bank, Charleston, WV
04.2014 - 05.2020
Personal Banker
City National Bank, Charleston, WV
02.2013 - 03.2014
Bachelor of Business Administration (BBA) - Management
Marshall University, Lewis College of Business
Bachelor of Business Administration (BBA) - Finance
Marshall University, Lewis College of Business