Marybeth Garland
Liverpool,NY
Summary
Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.
Overview
32
32
years of professional experience
Work History
Home Equity Underwriter
Berkshire Bank
07.2014 - 01.2024
- Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
- Proficient in Meridian Link and Encompass loan software.
- Well versed in analyzing complicated tax returns.
- Efficient in review of collateral, using full appraisals and AVM reports.
Mortgage Processor
Homestead Financial Services
12.1991 - 07.2014
- Streamlined mortgage processing procedures by implementing an efficient document management system.
- Reduced loan application processing time by diligently reviewing and verifying applicant information.
- Improved customer satisfaction rates with prompt communication and thorough explanations of loan processes.
- Collaborated closely with underwriters to expedite loan approvals, resulting in increased productivity.
Education
High School Education
Skills
- Analyzing data via paystubs, tax returns, collateral review
- Efficient with Meridian Link and Encompass loan origination programs
- Well informed on current Fannie Mae guidelines as well as all Fair Lending requirements
Timeline
Home Equity Underwriter
Berkshire Bank
07.2014 - 01.2024
Mortgage Processor
Homestead Financial Services
12.1991 - 07.2014
High School Education