Marissa Finger
Colorado Springs,CO
Summary
Due to changing circumstances, Looking for an opportunity to further career within a company that offers diversity of opportunities. Self started who possess excellent organizational and communication skills, with a proven ability to work well in changing fast-paced environments. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
5
5
years of professional experience
Work History
Underwriting/Business Development Manager
Nestfuel
05.2022 - 08.2023
- Established relationships with key decision-makers within customer's organization to promote growth and retention.
- Identified and pursued valuable business opportunities to generate new company revenue and improve bottom line profit.
- Established business relationship with Fannie Mae to allow warehouse line to be created.
- Kept meticulous client notes and updated account information in company databases.
- Built relationships with customers and community to establish long-term business growth.
- Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
- Implemented systems and procedures to increase sales.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
Sr. Mortgage Underwriter
Caliber Home Mortgage
04.2021 - 05.2022
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Checked personal and team calculations to validate information and underwriting decisions.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Developed and maintained relationships with investors to drive compliance with guidelines.
Sr. Mortgage Underwriter
Mortgage Solutions Financial
05.2019 - 04.2021
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- 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.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Developed and maintained relationships with investors to drive compliance with guidelines.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
Business Analyst
Ent Credit Union
03.2018 - 05.2019
- Interacted with internal customers to understand business needs and translate into requirements and project scope.
- Collaborated with stakeholders to define project objectives and criteria.
- Incorporating Blend into business process
- Lead Scrum/Agile meetings
- Improved business direction by prioritizing customers and implementing changes based on collected feedback.
- Conducted interviews with key business users to collect information on business processes and user requirements.
- Applied honed problem-solving skills to analyze and resolve issues impacting business operations and goal achievement.
- Generated business intelligence reports to inform strategic decision-making.
- Assessed business requirements to forecast annual budgetary operational costs.
- Collaborated with teams in product line transition to streamline manufacturing footprint.
- Collaborated with stakeholders to identify business needs and data sources.
- Provided technical support for troubleshooting analytics and reporting issues.
- Utilized data visualization techniques to present and explain complex data sets.
- Updated and developed scripts and queries to extract and analyze data from multiple sources.
Education
BBA - Business Economics
Sam Houston State University
Huntsville, TXSkills
- Process Improvement
- Verbal and Written Communication
- Business Administration
- Training and Development
- Cross-Functional Collaboration
- Business Intelligence and Analysis
- Team Leadership
- Team Collaboration
- Networking Events
- Business Objective Analysis
- Business Analytics
- Negotiation
Strong real estate and lending background
I have years of experience negotiating issues with stakeholders in a sometimes difficult and emotional atmosphere to produce win/win outcomes.
Timeline
Underwriting/Business Development Manager
Nestfuel
05.2022 - 08.2023
Sr. Mortgage Underwriter
Caliber Home Mortgage
04.2021 - 05.2022
Sr. Mortgage Underwriter
Mortgage Solutions Financial
05.2019 - 04.2021
Business Analyst
Ent Credit Union
03.2018 - 05.2019
BBA - Business Economics
Sam Houston State University
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