Melissa Wirth
Eau Claire,WI
Summary
Dedicated and detail-oriented team player with a combined total of 15+ years in the banking industry. History of working independently and able to handle multiple projects simultaneously with a high degree of accuracy. Expertise in identifying unacceptable risk and preventing fraud. Proven ability to function in changing environments and communicate effectively with other team members.
Overview
12
12
years of professional experience
Work History
Mortgage Underwriter
Maxwell
12.2020 - Current
- Analyze and verify applicant income, assets and credit history to support compliance with underwriting guidelines.
- Collaborate with loan officers and processors to obtain additional information and resolve discrepancies.
- Develop and maintain relationships with clients to drive compliance with guidelines.
- Approve or deny loans based on established criteria and underwriting guidelines.
- Verify integrity of applicants' information to minimize fraud.
- Review appraisals and title documents to verify accuracy and completeness.
Mortgage Underwriter
Royal Credit Union
02.2018 - 11.2020
- Underwrite conventional, portfolio, and construction mortgages per lender and secondary market guidelines
- Review condo questionnaires, construction contracts and employment contracts prior to loan officer preapproval
- Cross-train new team members and deliver department-wide income training sessions.
Mortgage Loan Processor
Royal Credit Union
03.2015 - 02.2018
- Evaluate applications and documents for completeness and compliance
- Verify all employment, asset and liability documentation to lender standards
- Communicate with borrowers to ensure the loan process is smooth and completed as expected
- Develop own pipeline management process to keep track of files.
Mortgage Loan Closer
Royal Credit Union
03.2012 - 03.2015
- Prepare legal documents according to regulations and underwriting approval
- Work with title companies on loan scheduling, document deliver and final closing documents
- Verify all required documentation is in the file prior to sending file to mortgage servicing.
Education
Bachelor of Science - Business Management
UW-Eau Claire
05.2005
Skills
- Ability to achieve individual and team goals
- Self-motivated, productive and organized work habits
- Detail oriented and deadline sensitive
- Proven capability to multi-task in fast paced environments
References
Available upon request
Timeline
Mortgage Underwriter
Maxwell
12.2020 - Current
Mortgage Underwriter
Royal Credit Union
02.2018 - 11.2020
Mortgage Loan Processor
Royal Credit Union
03.2015 - 02.2018
Mortgage Loan Closer
Royal Credit Union
03.2012 - 03.2015
Bachelor of Science - Business Management
UW-Eau Claire
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