Marlene Winiger
Casa Grande,AZ
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
13
13
years of professional experience
Work History
Caregiver
Lorraine McEvoy (mother)
12.2022 - Current
- Transportation, appointment setting, manage prescriptions, prepare meals, grocery shopping, laundry, cleaning.
- Enhanced comfort by providing compassionate and attentive care, addressing individual needs and preferences.
- Assisted mother with activities of daily living, promoting independence and quality of life.
Mortgage Underwriter
Axia Home Loans, Inc.
09.2021 - 03.2022
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Mortgage Underwriter
Primary Residential Mortgage
04.2020 - 09.2021
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Provided comprehensive explanations of loan terms and conditions to clients, ensuring full understanding before finalizing agreements.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Maintained mortgage program compliance with federal agencies such as USDA, HUD, and FNMA.
Mortgage Underwriter
Pinnacle Capital Mortgage
07.2012 - 06.2015
- Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, USDA and FNMA.
Mortgage Underwriter
Directors Mortgage
08.2010 - 06.2012
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- 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.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Maintained mortgage program compliance with federal agencies such as VA, FHA, USDA and FNMA.
Education
Certified Professional Coach (CPC) - Life Coaching
IPEC
San Francisco, CASkills
- Decision Making
- Interpersonal Skills
- Customer Service
- Computer Proficiency
- Time Management
- Effective Communication
- Analytical Thinking
- Practiced at FHA Loan Process
- Oral and Written Comprehension
- Remote Video Conferencing
- Remote Work Experience -2 years
Timeline
Caregiver
Lorraine McEvoy (mother)
12.2022 - Current
Mortgage Underwriter
Axia Home Loans, Inc.
09.2021 - 03.2022
Mortgage Underwriter
Primary Residential Mortgage
04.2020 - 09.2021
Mortgage Underwriter
Pinnacle Capital Mortgage
07.2012 - 06.2015
Mortgage Underwriter
Directors Mortgage
08.2010 - 06.2012
Certified Professional Coach (CPC) - Life Coaching
IPEC
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