Melinda Dodson
Adamstown,MD
Summary
Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
23
23
years of professional experience
Work History
Mortgage Underwriter
Homebridge Financial
Adamstown, MD
08.2020 - 02.2023
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Stayed abreast of lending regulations, industry trends and market rates.
- Approved or denied loan applications and explained reasoning behind decisions.
- Analyzed loan risk and reviewed loan conditions and requirements.
Mortgage Underwriter
FitzGerald Financial Group
Frederick, MD
03.2020 - 07.2020
- Verified client financial information to determine creditworthiness and loan eligibility.
- Stayed abreast of lending regulations, industry trends and market rates.
- Collaborated with company teams to expedite loan approval processes.
- Identified potential issues related to title, appraisals, insurance coverage.
Mortgage Underwriter
SourcePoint
Adamstown, MD
08.2019 - 03.2020
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Trained overseas underwriting department contract employees.
- Verified employment history and income of applicants.
- Evaluated loans against portfolio and investor guidelines.
Mortgage Underwriter
Citizens Bank
Glen Allen, VA
11.2016 - 02.2019
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Reviewed and analyzed loan applications for completeness and accuracy.
- Assessed risk levels associated with each loan application based on established criteria.
- Identified valuable solutions for customers with credit problems.
Mortgage Underwriter
Wells Fargo Home Mortgage
Frederick, MD
03.2000 - 11.2016
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Provided feedback and guidance to borrowers throughout the approval process.
- Participated in professional development activities such as webinars and seminars.
- Approved or denied loan applications and explained reasoning behind decisions.
Education
High School Diploma -
Skills
- Attention to Detail
- Income Evaluation
- Loan File Maintenance
- Customer Relations
- Complex Problem Solving
- Document Analysis
- Fraud Detection and Prevention
- Active Listening and Learning
- Eligibility Determination
- Customer Service
- Data Entry
- Decision-Making
- Complaint Handling
Timeline
Mortgage Underwriter - Homebridge Financial
08.2020 - 02.2023
Mortgage Underwriter - FitzGerald Financial Group
03.2020 - 07.2020
Mortgage Underwriter - SourcePoint
08.2019 - 03.2020
Mortgage Underwriter - Citizens Bank
11.2016 - 02.2019
Mortgage Underwriter - Wells Fargo Home Mortgage
03.2000 - 11.2016
Frederick High School - High School Diploma,
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