Luisa Dawson

Work History

Bank Of America, Corp.

06.2021 - Current

Effectively lead the team with utmost professionalism, authenticity, and provides open line of communication, promoting diversity and inclusivity within team.
Cross-train existing employees to maximize team agility and performance.
Proactively creates and executes proven strategies with no-to- minimal direction from manager while balancing business and individual team needs to achieve business goals and remain competitive.
Maximizes performance by monitoring team activities and mentoring team members.
Monitors and analyzes business performance to identify areas of improvement and make necessary adjustments.
Cultivates and fosters positive rapport with partners and stakeholders to overcome challenges faced on loan transactions to achieve goals.
Recruits, interviews and hires employees and implements mentoring program to promote positive feedback and engagement.

Bank Of America, Corp.

08.2019 - 06.2021

Supported over 500+ First Mortgage Underwriters of extensive second level reviews of Conventional and Government loans to evaluate and mitigate risk of loans outside standard parameters.
Collaborated with team managers to discuss performance and trends to provide recommendations for loan quality improvement.
Performed training to underwriters relevant to processes in place to minimize the bank's risk.

Bank Of America, Corp.

03.2016 - 08.2019

Made careful determinations based on skilled critical analyses of submitted documentation covering credit histories, employment records, and current financial status.
Evaluated loan risk within the mortgage program compliance with the Bank and federal agencies.
Applied extreme due diligence of loan files to minimize risk related fraud.
Evaluated loan applications, determining creditworthiness, assessing
Approved or denied loans based on established criteria and underwriting guidelines.
Negotiated and communicated with loan officers to reach satisfactory loan terms.

Truist Bank

09.2014 - 03.2016

Determined and documented loan conditions and communicated requirements and decisions.
Supported review and acceptance or denial of loan application.
Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Evaluated loan applications for affordability and conformance with underwriting guidelines.
Assessed and advised on loan applications utilizing in-depth underwriting process understanding.

Bank Of America, Corp.

01.2012 - 03.2014

Maintained mortgage program compliance with federal agencies.
Made careful assessment of complex loan transactions in accordance to the bank's risk parameters and agencies guidelines.
Provided audits to team members to reduce or prevent errors and achieve quality standards.
Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
Led as team underwriting SME to provide feedback of decisions to identify incorrect actions and reverse previous decisions when merited.
Trained junior team members in underwriting procedures/guidelines and loan quality grading standards.