Melissa Whitton
Sr. Mortgage Underwriter
Cincinnati,United States
Summary
Skilled Mortgage Underwriter specializing in Personal Loans, offering more than 25 years of experience to growing organizations. Highly adept in underwriting moderate to complex policies.
Overview
21
21
years of professional experience
2
2
Certification
Work History
Mortgage Underwriting/HELOC Underwriting
Mphasis/Digital Risk
03.2022 - 11.2022
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Vendor work ordering
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
Direct Lending Underwriting
Fifth Third Bank
02.2013 - 01.2022
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Service to Solutions Consultant
Fifth Third Bank
01.2012 - 02.2013
- Drafted integration plans to ease assimilation of products into customers' business infrastructure.
- Resolved customer issues quickly and efficiently to enhance overall customer satisfaction ratings.
- Improved overall progress through working closely with staff members and streamlining processes.
- Developed and maintained long-term relationships with clients, fostering strong service bonds and encouraging return patronage.
- Coordinated support responses to customer issues, verifying closure of concerns and correction of deficiencies.
Mortgage Broker /Finance Consultant
American Mortgage Service
01.2003 - 04.2008
- Performed daily, weekly and monthly research and analysis on current market trends.
- Adhered to identification guidelines, regulations and compliance.
- Maintained accuracy in calculating figures and amounts.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
Education
High School Diploma -
Withrow University High School
Cincinnati, OH05.1988
Skills
- Loan Terms
- Policy Renewals
- Bank Secrecy Act
- Desktop Underwriter
- Customer Proposals
- Production Goals
- Income calculation W2 wage earner,Schedule C, 1065, 1120's 1120
- Manual, DU, LP experience
- Trust review
- POA review
- Reviewing Financial Statements
- Underwriting and Adjustments
- POA review
- Reviewing Financial Statements
- Underwriting and Adjustments
- Quality Control
- Eligibility Determinations
- POA review
- Reviewing Financial Statements
- Underwriting and Adjustments
- Organization and Prioritizing Tasks
- Appraisal Reports
- File Analysis
Certification
- Licensed Mortgage Underwriter - NMLS ID 470633
- Notary License
Timeline
Mortgage Underwriting/HELOC Underwriting
Mphasis/Digital Risk
03.2022 - 11.2022
Direct Lending Underwriting
Fifth Third Bank
02.2013 - 01.2022
Service to Solutions Consultant
Fifth Third Bank
01.2012 - 02.2013
Mortgage Broker /Finance Consultant
American Mortgage Service
01.2003 - 04.2008
High School Diploma -
Withrow University High School
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