Linda Moore-Hackney
Underwriter
Irving,TX
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
Overview
18
18
years of professional experience
Work History
Credit Analyst
Atlantic Group/ First Republic Bank
Chicago, IL
05.2022 - 04.2023
- Made decisions and recommendations about extending lines of credit.
- Assessed credit risk and analyzed financial statements.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Analyzed credit scores to determine borrowers' creditworthiness.
Senior Mortgage Loan Underwriter
MUFG Union Bank
San Francisco, CA
05.2020 - 10.2021
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Senior Mortgage Underwriter
Headway Workforce/Genworth
Raleigh, NC
11.2016 - 05.2020
- Checked personal and team calculations to validate information and underwriting decisions.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
Underwriter III
Chase
Dallas, TX
05.2015 - 08.2016
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Senior Loan Underwriter III
Wells Fargo Home Mortgage
Irving, TX
02.2013 - 01.2014
- Reviewed Conventional Loan Products to make accurate loan approval decisions.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Supported construction accounting staff on various investor, lender and state agency requests, interfacing directly with outside parties on development finance matters.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Focused on maintaining profitable business segment for company.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Evaluated or assessed businesses applying for insurance by qualifying accounts, determining premium and policy terms and conditions and negotiating contracts with authorized business representatives.
Mortgage Loan Processor/Mortgage Underwriter
Shelter Mortgage/Guaranty Bank
Dallas, Texas
04.2010 - 02.2014
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Set up and completed loan submission packages.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
Loan Processor
Wells Fargo
Bedford, Texas
09.2005 - 02.2010
- Provided quick turnaround times to maintain fast-past schedule.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Collaborated with loan officers to develop strategies for managing loan application processing.
Education
Bachelor of Science - Business
Dallas Baptist University
Dallas, TX08.2010
Skills
- Loan Documentation
- Financial Statements Expertise
- Banking Regulations
- Credit Programs
- Lending Regulations
- Information Verification
- Financial Data Analyzation
Timeline
Credit Analyst
Atlantic Group/ First Republic Bank
05.2022 - 04.2023
Senior Mortgage Loan Underwriter
MUFG Union Bank
05.2020 - 10.2021
Senior Mortgage Underwriter
Headway Workforce/Genworth
11.2016 - 05.2020
Underwriter III
Chase
05.2015 - 08.2016
Senior Loan Underwriter III
Wells Fargo Home Mortgage
02.2013 - 01.2014
Mortgage Loan Processor/Mortgage Underwriter
Shelter Mortgage/Guaranty Bank
04.2010 - 02.2014
Loan Processor
Wells Fargo
09.2005 - 02.2010
Bachelor of Science - Business
Dallas Baptist University
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