Melinda Darowski
Summary
Talented underwriter with over 12 years of experience in financial service. I have developed strong analytical skills with high attention to detail and accuracy. My career began as a Mortgage Processor, where I cultivated a strong focus on customer service and listening to customer needs. These skills have been essential to my role as an underwriter, allowing me to make informed decisions with a risk-based mentality. I specialize in consumer mortgage underwriting and reviewing consumer credit profiles with a strong focus on policies and procedures and investor guidelines. I have also been consistently recognized for exceeding production goals while maintaining quality. I am currently seeking opportunities to grow and develop my skills as an underwriter.
Overview
12
12
years of professional experience
Work History
Mortgage Loan Underwriter 2
Wells Fargo
03.2022 - 03.2024
- Audits of previously modified loan modifications
- Analyzing and correcting data while using strict company and industry guidelines
- Effectively manage a large volume of records in a timely-manner
- Collaborate with management to resolve problems and achieve objectives
- Evaluate complex processes and task that may require research into cause and effect of challenges to projects and procedures
- Make decisions in the circumstances requiring a solid understanding of the process, guidelines and policies
- Accountable for risk identification and escalations
- High regard to policy and practice
Underwriting Associate
Wells Fargo
03.2021 - 03.2022
- Improved risk assessment accuracy by meticulously reviewing and analyzing financial statements, credit reports, and industry trends.
- Enhanced underwriting efficiency through the development of streamlined processes for gathering and evaluating relevant data.
- Reduced processing time for loan applications by collaborating closely with sales teams to obtain complete and accurate documentation.
- Minimized losses by conducting thorough due diligence on prospective clients, including background checks and verification of financial information.
- Supported team members during peak workflow periods, helping to maintain consistent turnaround times for application processing.
- Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
Mortgage Loan Processor 4
Wells Fargo
03.2020 - 03.2021
- Improved loan processing time by streamlining the application review process and enhancing communication with clients.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
- Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
- Boosted team efficiency by training new Mortgage Loan Processors on company policies, procedures, and software systems.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
Mortgage Loan Processor 3
Wells Fargo
04.2019 - 03.2020
- Streamlined mortgage loan processing by effectively managing documents and maintaining accurate records.
- Enhanced customer satisfaction by providing timely updates on loan application status and addressing inquiries.
- Collaborated with underwriters to ensure a smooth and efficient loan approval process, resulting in increased productivity.
- Assisted in the preparation of loan files for submission to underwriting, improving overall efficiency.
- Improved turnaround times by promptly requesting necessary documents from clients and keeping them informed of progress throughout the process.
- Managed pipelines consistently, prioritizing tasks efficiently to meet tight deadlines without compromising quality or customer service levels.
Financial Crimes Specialist
Wells Fargo
04.2018 - 04.2019
- Improved customer satisfaction by promptly addressing and resolving fraud-related inquiries.
- Identified potential fraudulent activities through meticulous data analysis and pattern recognition.
- Assisted customers in understanding their rights and responsibilities related to credit card usage, contributing to better overall security practices among users.
- Consistently met or exceeded departmental goals related to fraud detection and prevention, demonstrating a high level of dedication and expertise in the field.
- Reviewed transactions and receipts to identify any suspicious activity.
Mortgage Loan Processor 2
Wells Fargo
02.2016 - 04.2018
- Improved loan processing time by streamlining the application review process and enhancing communication with clients.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
- Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
Home Preservation Specialist
Wells Fargo
04.2014 - 02.2016
- Improved client satisfaction by providing timely and accurate information on home preservation programs and options.
- Assisted homeowners in understanding their financial situation, enabling them to make informed decisions about preserving their homes.
- Streamlined the application process for clients, resulting in smoother transactions and quicker resolutions.
- Collaborated with team members to develop efficient strategies for handling a high volume of cases, ensuring all clients received prompt attention.
Mortgage Loan Processor
Wells Fargo
03.2012 - 04.2014
- Improved loan processing time by streamlining the application review process and enhancing communication with clients.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
- Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
Education
High School Diploma -
Des Moines Public School
Des Moines, IA05.2006
Skills
- Credit analysis
- Underwriting guidelines
- Analytical Skills
- Relationship Building
- Professional ethics
- Debt-to-Income Ratios
- Documentation Review
- Property valuation
- Loan Underwriting
- Income Calculation
- Asset Statements
- Attention to Detail
Timeline
Mortgage Loan Underwriter 2
Wells Fargo
03.2022 - 03.2024
Underwriting Associate
Wells Fargo
03.2021 - 03.2022
Mortgage Loan Processor 4
Wells Fargo
03.2020 - 03.2021
Mortgage Loan Processor 3
Wells Fargo
04.2019 - 03.2020
Financial Crimes Specialist
Wells Fargo
04.2018 - 04.2019
Mortgage Loan Processor 2
Wells Fargo
02.2016 - 04.2018
Home Preservation Specialist
Wells Fargo
04.2014 - 02.2016
Mortgage Loan Processor
Wells Fargo
03.2012 - 04.2014
High School Diploma -
Des Moines Public School
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