Madelyn Gonzalez
Milwaukee,WI
Summary
Accomplished underwriter with expertise in risk assessment and credit analysis at BMO Harris Bank. Enhanced loan approval efficiency by implementing process improvements, reducing turnaround times by 20%. Proven leader in mentoring teams, fostering collaboration, and delivering exceptional customer service. Adept at documentation review and compliance, ensuring accuracy and regulatory adherence.
Overview
2027
2027
years of professional experience
1
1
Language
Work History
Underwriter (10/2021 to 06/2026)
BMO Harris Bank
Brookfield, WI
03.2016 - 06.2026
- Evaluated risk factors to determine loan eligibility and insurance coverage.
- Analyzed credit reports and financial statements to assess borrower qualifications effectively.
- Implemented process improvements to reduce turnaround times for loan approvals.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Determined and documented loan conditions and communicated requirements and decisions.
Senior Processor (12/2018 to 10/2021)
BMO Harris Bank
Brookfield, WI
- Implemented new processing protocols, reducing errors and increasing compliance adherence.
- Handled complex loan scenarios with precision, navigating through challenging situations successfully without compromising turn-around times.
- Developed comprehensive training materials to onboard new processors quickly and efficiently.
- Oversaw a team of processors, distributing workload efficiently while ensuring accuracy throughout all stages of the mortgage application process.
- Conducted regular audits of loan files to identify areas for improvement and maintain high standards of performance.
Processor (03/2016 to 12/2018)
BMO Harris Bank
Brookfield, WI
- Reviewed financial documents for accuracy and compliance with underwriting guidelines.
- Collaborated with mortgage brokers to streamline application processes and enhance communication.
- Implemented process improvements to reduce turnaround times for loan approvals.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
Education
Associate in Accounting -
Milwaukee Area Technical College
Oak Creek06-2003
Skills
- Payroll
- Analyzing data
- Documentation review
- Risk assessment
- Credit analysis
- Tax Preparation
- Portfolio management
- Accounts Payable/Receivable
Languages
Spanish
Timeline
Underwriter (10/2021 to 06/2026)
BMO Harris Bank
03.2016 - 06.2026
Senior Processor (12/2018 to 10/2021)
BMO Harris Bank
Processor (03/2016 to 12/2018)
BMO Harris Bank
Associate in Accounting -
Milwaukee Area Technical College