Michelle Rae Greis
Colorado Springs,CO
Summary
To secure a rewarding Compliance Analyst/Tester position within an established organization to expand and apply my knowledge and transferrable skills.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Senior Underwriter
WELLS FARGO HOME MORTGAGE
06.2020 - 03.2023
- Reviewed and evaluated loan applications and supporting documents.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Evaluated loan applications and creditworthiness of potential borrowers.
- Researched applicant employment and financial histories to confirm document accuracy.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer, or denial.
- Approved or denied loan applications and explained reasoning behind decisions.
- Evaluated mortgage loan risk based on sound underwriting decisions.
- Communicated with applicants and internal team members to discuss identified conditions needed for approval.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Collaborated with loan originators and processors to correctly review and assess applications and risks.
- Maintained compliance with company and regulatory policies.
- Analyzed loan risk and reviewed loan conditions and requirements.
- Displayed strong telephone etiquette, effectively handling difficult calls.
- Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
- Reviewed appraisals to ensure accuracy and compliance with company standards.
- Calculated debt ratios through.
- Assessed financial information to determine borrower's making of future payments.
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
Senior Underwriter
WELLS FARGO HOME EQUITY
08.2004 - 12.2020
- Assessed potential risks associated with each transaction prior to approving loans.
- Recommended adjustments to loan terms or conditions based on individual circumstances.
- Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
- Followed underwriting guidelines.
- Utilized underwriter authority to correspond with corporate risk appetite and strategy.
- Communicated effectively with lenders, brokers and other external partners involved in transactions.
- Gathered and analyzed information to determine risk acceptability.
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Analyzed risk and adhered to underwriting standards.
- Used data analytics and pricing tools to price policies and identify actionable insights for customers.
Processor/Tester
WELLS FARGO HOME EQUITY
12.1999 - 08.2004
- Communicated effectively with borrowers regarding changes or issues that arose during the processing period.
- Completed day-to-day duties accurately and efficiently.
- Produced official reports of findings to meet regulatory standards and assist senior leadership with improving operations.
- Noted changes during testing in project documentation.
- Formulated plans to test functionality of products to conform to vision.
- Maintained accurate records of all loan transactions in database systems.
- Reviewed loan applications, verified accuracy of information and determined eligibility for approval.
- Reviewed order forms to prepare orders for processing.
- Monitored daily workflow to ensure deadlines were met for each stage of the loan process.
- Interfaced with external vendors such as appraisers, title companies.
- Liaised with management to complete special projects and provide administrative support.
- Maintained strong relationships with internal departments such as underwriting and funding teams.
- Processed documents to maintain records and files.
- Provided assistance to underwriters in the review process of loans.
- Identified areas where processes can be improved upon to increase efficiency and productivity.
- Filed paperwork according to standard operating procedures and entered data points into tracking system.
- Ensured compliance with all applicable regulations, laws, and guidelines.
- Reviewed documentation from third parties to ensure accuracy before submitting them to underwriters.
- Prepared closing documents for approved loans according to company procedures.
Skills
Effective Communication / Analytical / Risk Assessment /Mitigation / Results Driven / Quality Insurance / Troubleshooting / Collaboration / Critical Thinking / Self Motivated
Certification
- Mortgage License: Nationwide Mortgage Licensing System (NMLS) Number 760846 and SAFE Registration
Timeline
Senior Underwriter
WELLS FARGO HOME MORTGAGE
06.2020 - 03.2023
Senior Underwriter
WELLS FARGO HOME EQUITY
08.2004 - 12.2020
Processor/Tester
WELLS FARGO HOME EQUITY
12.1999 - 08.2004