Melissa Curtis
Jacksonville
Summary
Results-driven leader with a positive attitude, a passion for personal development , and continuously learning from new experiences. Over 20 years experience in the mortgage industry, with the last 10 years as a Senior Underwriter providing confident credit decisions and solving problems creatively by using tact and diplomacy to achieve win-win outcomes. Self-motivated and a dependable professional with a broad base of experiences in credit underwriting, risk management, customer service/relations, construction administration and accounting/budgeting.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Mphasis/Digital Risk
Jacksonville, FL
08.2024 - 01.2026
- Assessed borrowers' financial profiles, including credit history and income, for loan viability.
- Effectively communicated loan decisions to stakeholders, encompassing approvals and denials.
- Oversaw loan pipeline management to maintain processing timelines and meet deadlines.
- Calculated debt-to-income ratios ensuring regulatory compliance throughout the process.
- Streamlined review process by interpreting automated underwriting system results.
- Validated properties by reviewing titles and appraisals according to insurer guidelines.
- Provided advisory on loan structuring to meet both borrower and lender needs.
- Executed thorough due diligence in preparation of loans for closing.
Multifamily Project Administrator
Sunshine State Plumbing
11.2023 - 04.2024
- Maintained expense and payable accounting records for 50+ Multifamily projects.
- Managed resources such as personnel, materials, equipment, and funding necessary for successful completion of projects.
- Resolved conflicts between stakeholders by providing effective communication solutions.
- Interfaced with suppliers and vendors to coordinate services required by the project team.
- Ensured that all relevant documentation was up-to-date throughout the life cycle of each project.
- Tracked changes in requirements throughout various phases of a project's lifecycle.
- Implemented filing systems to maintain accurate records of project documentation.
- Tracked project expenses and processed invoices for contractor payments.
- Managed documentation for permits and compliance with local plumbing regulations.
- Reviewed and obtained Subcontractor's Contracts from General Contractor. Provide COI, Lien Releases, and Change Orders.
- Invoiced (SOV) and collected payment manually or through GC Pay and Procore for all projects. Quickbooks used for receivables/payables.
- Set-up and monitored 50+ projects in Procore and Safety meeting.
- Maintained and updated spreadsheets and databases to track, analyze, and report on performance and sales data.
Senior Mortgage Underwriter (VA SAR)
BB&T Now Truist
05.2014 - 12.2022
- Maintained $1 million signing authority on VA loans and $750,000 on Conventional loans by adhering to quality control standards.
- Analyzed loan documentation, including tax returns and credit reports, ensuring compliance with product and regulatory guidelines.
- Collaborated with leadership to achieve 0% critical error rate while maintaining an average 21-day turnaround from underwrite to closing.
- Met strict deadlines through effective prioritization and management of multiple tasks under tight constraints.
- Evaluated and approved appraisals, new construction plans, and inspection reports using CMS Appraisal Service software.
- Examined and approved Flood Insurance and Homeowners Insurance Policies to ensure comprehensive coverage.
- Delivered superior customer service to manage loans from approval to investor purchase efficiently.
- Assessed performance of junior underwriters, enhancing overall work quality through targeted improvement plans.
Loan Processor III
BB&T Now Truist
11.2013 - 04.2014
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Averaged 50 loans a month with 95% accuracy rate resulting in 10% increase in loan volume and 5% decrease on processing time.
- Maintain a daily diary, on computer, outlining the status of work done. Supporting communication for all parties to see.
- Made Welcome, Status and Pre-close Calls to loan applicants; Followed required scripts to meet federal regulation requirements
- Ordered credit reports, payoffs, appraisals, and title commitments.
Underwriter I
Everbank
01.2013 - 09.2013
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Junior Underwriter
Aerotek (Contract Employee To Everbank)
09.2012 - 01.2013
- Assisted senior underwriters in evaluating loan applications, resulting in improved risk assessment accuracy.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
Senior Loan Processor
JPMorgan Chase
09.2011 - 09.2012
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Loan Processor/HSS
Bank Of America, Home Loans (Contract Employee)
08.2010 - 09.2011
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Utilized loan origination software to process and track loan applications.
- Advised loan applicants on how to apply for a loan modification.
- Coordinated with loan servicing on loans that were approved for a loan modification to insure loan closing was prepared and delivered.
Education
High School Diploma -
Lejeune High School
Camp Lejeune, North Carolina06.1984
Skills
- Knowledge of Excel, Microsoft Word, Amortization Schedules and Microsoft Office
- Client Interviewing
- Multitasking Abilities
- Insurance policy coverage knowledge
- Fraud investigation and reporting
- Report Writing
- VA Staff Appraisal Reviewer
- Project Planning
- Non-Profit Grant reporting, budgeting and billing
Certification
VA Staff Review Appraiser - U.S Department of Veterans Affairs #020746
Timeline
Mortgage Underwriter
Mphasis/Digital Risk
08.2024 - 01.2026
Multifamily Project Administrator
Sunshine State Plumbing
11.2023 - 04.2024
Senior Mortgage Underwriter (VA SAR)
BB&T Now Truist
05.2014 - 12.2022
Loan Processor III
BB&T Now Truist
11.2013 - 04.2014
Underwriter I
Everbank
01.2013 - 09.2013
Junior Underwriter
Aerotek (Contract Employee To Everbank)
09.2012 - 01.2013
Senior Loan Processor
JPMorgan Chase
09.2011 - 09.2012
Loan Processor/HSS
Bank Of America, Home Loans (Contract Employee)
08.2010 - 09.2011
High School Diploma -
Lejeune High School