Lynn Dombroski
Reading,PA
Summary
Detailed Senior Mortgage Underwriter offering over 20 years background reviewing real estate loan applications for accurate and necessary information. In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Proficient in m microsoft office and Excel.
Overview
11
11
years of professional experience
Work History
Senior Mortgage Underwriter
Wells Fargo, NA
Reading, PA
08.2012 - 05.2022
- Evaluated mortgage loan risk based on sound underwriting decisions.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
- Communicated with applicants and internal team members to discuss identified conditions needed for approval.
- Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan.
- Assessed financial information to determine borrower's making of future payments.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Maintained compliance with company and regulatory policies.
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Evaluated loans against portfolio and investor guidelines.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Collaborated with loan originators and processors to correctly review and assess applications and risks.
- Liaised with lenders, appraisers and other third parties to communicate needs and requirements.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
Mortgage Default Specialist
Santander Bank Us
Reading, PA
11.2011 - 08.2012
- Participated in regular meetings with management to assess and address issues and identify and implement improvements.
- Performed quality assurance to assess data and validate results.
- Conducted detailed analysis on key trends and findings to summarize findings for leadership.
- Reviewed credit reports to identify debt and determine best-fit strategies for consolidating or eliminating balances.
- Answered client questions about factors affecting credit and recommended suggestions to improve credit scores.
- Calculated clients' available monthly income to meet debt obligations.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
Education
High School Diploma -
Holy Name High School
Reading, PASkills
- Customer Relations
- Multitasking and Prioritization
- Complex Problem Solving
- Financial History Analysis
- LexisNexis Software
- Credit History Review
- Complaint Handling
Timeline
Senior Mortgage Underwriter
Wells Fargo, NA
08.2012 - 05.2022
Mortgage Default Specialist
Santander Bank Us
11.2011 - 08.2012
High School Diploma -
Holy Name High School
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