Melissa Rodriguez
Peoria,AZ
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. Proven ability to analyze credit information, asses risk and make sound underwriting decisions.
Overview
13
13
years of professional experience
Work History
Review Team Lead (Servicing)
Wells Fargo & Company
Peoria, AZ
03.2022 - Current
- Perform audits on previously decisioned FHA, VA, B&P and Wells Owned Modifications.
- Analyze, review, and make informed decisions on products within company and industry guidelines using strong critical thinking skills.
- Effectively manage and process a pipeline of loans within strict timelines.
- Gather and analyze data, prepare reports, and enter information into appropriate systems while ensuring compliance with company and industry guidelines.
- Enhance critical business processes and contribute to high- priority initiatives by improving internal controls.
- Re-underwrite prior modifications on FHA, VA, B&P and Wells Owned products after correcting for original software malfunctions.
Senior Underwriter (Mortgage)
Wells Fargo & Company
Tempe, AZ
05.2020 - 03.2022
- Evaluated loan applications and creditworthiness of potential borrowers.
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Reviewed appraisals to ensure accuracy and compliance with company standards.
- Ensured compliance with all federal, state, and local regulations related to mortgage lending practices.
- Verified that all submitted documents were accurate, complete, and in accordance with relevant laws and regulations.
- Developed relationships with external vendors such as title companies, appraisers, surveyors, insurance agents.
- Researched any discrepancies between application information supplied by applicants versus third-party sources.
- Generated letters of denial or commitment based on approved and declined decisions.
- Calculated debt ratios through Debts compared to income verification.
- Requested additional information and documents from borrower to help determine loan risk
- Assessed financial information to determine borrower's making of future payments.
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
- Evaluated mortgage loan risk based on sound underwriting decisions.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
- Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan.
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Reviewed and evaluated loan applications and supporting documents.
Senior Underwriter (Home Equity)
Wells Fargo & Company
Tempe, AZ
01.2017 - 03.2022
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Analyzed debt-to-income ratios to ensure borrowers met the requirements of underwriting guidelines.
- Appraised value of collateral properties to determine their acceptability as security for loans.
- Assessed risk factors associated with loan requests to determine whether they meet established criteria for approval.
- Monitored pipeline activity to ensure timely processing of all loans within established service level agreements.
- Inspected financial statements, credit information and title data to complete underwriting process.
Senior Underwriter (Credit Card)
Wells Fargo & Company
Chandler, AZ
06.2015 - 01.2017
- Assessed risk factors associated with loan requests to determine whether they meet established criteria for approval.
- Developed and implemented strategies for mitigating risks associated with higher risk loans.
- Documented all decisions made during the underwriting process in accordance with regulatory requirements.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
Senior Underwriter (Subordination & Loss Mit)
Wells Fargo & Company
Phoenix, AZ
03.2011 - 06.2015
- Reviewed, evaluated and approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Assessed risk factors associated with loan requests to determine whether they meet established criteria for approval.
- Developed and implemented strategies for mitigating risks associated with higher risk loans.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
Education
Associate of Science - Medical Assisting
The Bryman School - Tempe
Tempe, AZ06-2000
Skills
- Cash Flow Income Analysis
- Risk Mitigation
- Regulatory Compliance
- Performance monitoring
- Employee engagement
- Workflow Efficiency
- Diversity and Inclusion
- Key Performance Indicators
- Performance Improvement
- Coaching and Mentoring
- Workplace Safety
- Quality Control
Timeline
Review Team Lead (Servicing)
Wells Fargo & Company
03.2022 - Current
Senior Underwriter (Mortgage)
Wells Fargo & Company
05.2020 - 03.2022
Senior Underwriter (Home Equity)
Wells Fargo & Company
01.2017 - 03.2022
Senior Underwriter (Credit Card)
Wells Fargo & Company
06.2015 - 01.2017
Senior Underwriter (Subordination & Loss Mit)
Wells Fargo & Company
03.2011 - 06.2015
Associate of Science - Medical Assisting
The Bryman School - Tempe
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