LeClair Mechelle

South Burlington,VT

Summary

Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic. Hardworking Underwriter with over 25 years of experience in Mortgages. Excellent reputation for resolving problems and improving customer satisfaction. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

years of professional experience

Work History

Underwriter

Academy Mortgage Corporation

08.2011 - 12.2023

Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Made approval and denial recommendations by determining accurate risk levels.
Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

Education

Hair Design, Estitician

O'Briens Cosmetology School

Burlington VT

High School Diploma -

Springfield High School

Springfield VT

06.1984

Skills

Residential Mortgage Lending Regulations
FNMA Guidelines
Residential Loans
Debt-to-Income Ratios
LTV Calculations
Asset Statements
Residual Incomes
Jumbo and Super Jumbo Loans
Application Analysis
Collateral Valuation
Documentation Review
Decision Making
Financial Analysis
Analytical Thinking
Effective Communication
Adaptability
Organizational Skills
Data Interpretation
Critical Thinking
Fraud Detection
Credit Analysis
Income Verification
Risk Assessment

Property Inspection
Problem Solving
Ethical Conduct
Attention to Detail
Regulatory Compliance
Time Management
Underwriting Guidelines
Loan Evaluation
Product Education
Credit History Review
Automated Underwriting System (AUS)
Loan File Maintenance
Application Review
Income Evaluation
Creditworthiness Determination
Property Evaluation
Data Entry
Financial History Review
Microsoft Office
Analytical and Critical Thinking
Eligibility Determination
Decision-Making

Timeline