Leah Estlund
Waukee,IA
Summary
I am a hardworking Senior Underwriter with my last 12 years being in correspondent lending and mortgage default underwriting. I am a self motivated leader and have a drive for success and helping others. I have the ability to work independently. I have strong analytical skills with high attention to detail and accuracy.
Overview
22
22
years of professional experience
Work History
Senior Underwriter - Correspondent Lending
Wells Fargo Home Mortgage
03.2019 - Current
- Responsible for reviewing, analyzing, approving, and underwriting consumer mortgage requests within company and industry guidelines.
- Review Credit applications, credit bureau information, collateral valuation, tax returns, financial statements, and other supporting documentation to recommend or approve requests within authority level.
- Ensure credit files are current, complete, and compliant within company standards.
- Contact customers and partners to gather information and make appropriate decisions, and explain rationale behind the credit decision.
- Mentor peers and less experienced staff.
Consumer Loan Underwriter 3 - 2nd Level Review
Wells Fargo Home Mortgage/ Loss Mitigation
02.2011 - 03.2019
- Delegation of authority in several portfolios. Wells Fargo Home Equity, B&P, Wells Owned, Nowline, Fannie and Freddie.
- Responsible for doing an audit of initial underwriters decision. Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer requests.
- Experienced in reviewing financial statements, credit reports, and applicable ratios. Experienced in reviewing self employment, corporate, and partnership tax returns.
- Responsible for high volume decisions and high quality underwriting - meeting portfolio lending quality standards.
Consumer Loan Underwriter
Wells Fargo Auto Finance
01.2010 - 02.2011
- Responsible for reviewing, analyzing, approving and underwriting consumer auto requests.
- Evaluate loan applications are accurate, complete, and compliant
- Review credit reports, applicable ratios, and other supporting documentation.
- Contact partners to gather information to make appropriate decisions, and explain rationale behind credit decision.
Store Manager 2
Wells Fargo Financial
04.2002 - 02.2011
- Recruit, train, coach, and retain team members.
- Originate, underwrite, process, and close consumer loans such as real estate loans, auto loans, and unsecured lines of credit.
- Responsible for contacting and collecting delinquent accounts.
- Responsible for the achievement of my stores loan gain and profit goals.
Education
Bachelor of Arts - Finance
University of Northern Iowa
Cedar Falls, IASkills
- Risk Evaluation
- Data Analysis
- Managing Risk
- Pipeline Management
- Debt-To-Income Ratios
- Asset Statements
- Teamwork and Collaboration
- Self-Motivated
Timeline
Senior Underwriter - Correspondent Lending
Wells Fargo Home Mortgage
03.2019 - Current
Consumer Loan Underwriter 3 - 2nd Level Review
Wells Fargo Home Mortgage/ Loss Mitigation
02.2011 - 03.2019
Consumer Loan Underwriter
Wells Fargo Auto Finance
01.2010 - 02.2011
Store Manager 2
Wells Fargo Financial
04.2002 - 02.2011
Bachelor of Arts - Finance
University of Northern Iowa
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