LINDSEY JAKUBOWSKI
Rancho Cucamonga,CA
Summary
Key Contributor & Effective Leader supporting mortgage loan underwriting functions in fast-paced and high-stress environments within a variety of industries. Experienced in designing and implementing strategic plans, overseeing the mortgage lending process, identifying process improvement strategies, and fostering positive relationships with internal/external stakeholders. Equipped with a significant ability to leverage skills in project management and to introduce new tools for cost savings and efficiency improvements.
Overview
10
10
years of professional experience
Work History
Senior Mortgage Underwriter
US Bank NA
03.2018 - 06.2023
- Ensured all loans met investor guidelines prior to funding or purchase by investors.
- Maintained a thorough understanding of current state and federal laws governing residential mortgage lending.
- Documented underwriting decisions based on risk assessment and sound judgement.
- Analyzed financial data including income statements, balance sheets and tax returns to determine borrower's ability to repay the loan.
- Reviewed and evaluated loan applications to determine creditworthiness of applicants, ensuring compliance with state and federal regulations.
- Evaluated potential exceptions based on extenuating circumstances using sound judgement skills.
- Determined overall loan documentation to verify accuracy, completeness and fraud prevention.
- Maintained current knowledge of industry trends related to mortgage products, underwriting standards and regulatory changes.
- Communicated effectively with colleagues at all levels both verbally and in writing.
- Managed multiple tasks simultaneously while meeting tight deadlines.
Mortgage Loan Assistant
Florida Community Bank
08.2017 - 12.2017
- Communicated with customers daily to request information and complete paperwork.
- Monitored key dates to obtain information by deadlines.
- Assembled important paperwork and disclosures for borrower.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
Mortgage Underwriter
BANK OF AMERICA
04.2013 - 04.2017
Education
Diploma -
Canton High School
Plymouth, MI06.1997
Skills
- Attention to Detail
- Problem-Solving Abilities
- Strong Decision-Making
- Customer Service Orientation
- Tax Return Analysis
- 10-Key Data Entry
- Closing Document Review
Timeline
Senior Mortgage Underwriter
US Bank NA
03.2018 - 06.2023
Mortgage Loan Assistant
Florida Community Bank
08.2017 - 12.2017
Mortgage Underwriter
BANK OF AMERICA
04.2013 - 04.2017
Diploma -
Canton High School