Summary
Overview
Work History
Education
Skills
Timeline
Generic

Michelle P Randle

Frisco,TX

Summary

Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic. Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

10
10
years of professional experience

Work History

UNDERWRITER

COMMERICAL, LENDZ FINANCIAL
05.2021 - Current
  • Reviewed, analyzed, underwrote, and approved large, unusual, or complex consumer requests and products within company and industry guidelines
  • Evaluated and ensured overall loan transaction was accurate, complete and in compliance
  • Working with retail banking staff to coordinate loan application requests, communicate current loan promotions and train bankers on loan products
  • Reviewed financial statements and credit reports and applicable ratios
  • Evaluated transactions to ensure accuracy and completeness
  • Reviewed and evaluates borrower(s) profile including but not limited to all income documentation (including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, preliminary title report and appraisals
  • Verified consistency of information from application to documentation provided
  • Implemented fraud detection techniques
  • Insured compliance with corporate and government standards
  • Reviewed JUMBO, FHA, USDA, VA, CONVENTIONAL & BOND applications with emphasis on borrower qualification to governmental agency regulations
  • Approval signature greater than 3,000,000

SENIOR UNDERWRITER CONVENTIONAL

11.2020 - 04.2021
  • VA NON-QM /NEW AMERCAN FUNDING, Reviewed, analyzed, underwrote, and approved large, unusual, or complex consumer requests and products within company and industry guidelines
  • Calculated and ensured overall loan transaction was accurate, complete and in compliance
  • Applied knowledge of underwriting procedures, creditor financial analysis techniques
  • Reviewed financial statements and credit reports and applicable ratios
  • Evaluated transactions to ensure accuracy and completeness
  • Verified consistency of information from application to documentation provided
  • Implemented fraud detection techniques
  • Insured compliance with corporate and government standards
  • Reviewed JUMBO, FHA, USDA, VA, CONVENTIONAL & BOND applications with emphasis on borrower qualification to governmental agency regulations
  • Reviewed and evaluates borrower(s) profile including but not limited to all income documentation (including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, preliminary title report and appraisals
  • Approval signature greater than 2,000,000
  • Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications
  • Collaborated with other professionals to develop innovative underwriting solutions
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals
  • Proven ability to learn quickly and adapt to new situations

SENIOR UNDERWRITER VA

VETERANS UNITED HOME LOANS
09.2019 - 10.2020
  • Reviewed, analyzed, underwrote, and approved large, unusual, or complex consumer requests and products within company and industry guidelines
  • Reviewed financial statements and credit reports and applicable ratios
  • Reviewed and evaluates borrower(s) profile including but not limited to all income documentation (including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, preliminary title report and appraisals
  • Evaluated transactions to ensure accuracy and completeness
  • Verified consistency of information from application to documentation provided
  • Implemented fraud detection techniques
  • Insured compliance with corporate and government standards
  • Reviewed FHA applications with emphasis on borrower qualification to governmental agency regulations
  • Assisted with re-negotiation of loans based on lending guidelines
  • Contacted customer and partners to gather information needed to make credit decisions
  • Provided rational explanation behind credit decision
  • Aided with training to lower-level team members
  • Reviewed appraisal, title, flood, and insurance to ensure documentation meets lending requirements
  • Products underwritten: Jumbo, FHA/VA government, conventional Purchase, Refinance/ HARP
  • Thorough review of corporate and individual income tax returns and income calculation
  • Approval signature greater than 2,000,000qUALITY ASSURANCE Auditor Mortgage| usaa

Sr. Auditor

USAA
06.2015 - 11.2018
  • Provide Regulatory direction and subject matter expertise (SME) support to Consumer Lending, including impact analysis and implementation of Enterprise Compliance policies and Assessments Contribute to analyzing, monitoring, and reporting the performance of the quality control reviews administered by internal and third-party vendors
  • Prepared working papers, reports and supporting documentation for audit findings.
  • Consulted clients on internal control systems development and audit program improvements.
  • Completed audit papers by thoroughly documenting audit tests and findings.
  • Identified control gaps in processes, procedures and systems through in-depth research and assessment and suggested methods for improvement.
  • Manage a team of QC auditors
  • Build lasting client relationships with the VA to ensure resources were in place to deal with any queries

SR. UNDERWRITER

USAA
03.2013 - 06.2015
  • Responsible for evaluating and analyzing underwriter's mortgage loan quality and making certain that it followed company guidelines and secondary market guidelines
  • Insured compliance with corporate and government standards
  • Audited post-close files for credit quality, data integrity, and adherence to credit policy and investor guidelines
  • Assisted staff with quality assurance, knowledge in compliance, policies, laws and federal regulations and to ensure the safety of the bank's assets
  • VA training and side by sides
  • Reviewed and analyzed real estate appraisals, title policies and purchase contracts to make certain that loan structure was in line with the secondary markets, Fannie Mae, Freddie Mac and Government National Mortgage Association
  • Approval signature of $750,000

Education

University of Phoenix
Dallas, TX
2016

High School Diploma -

Hillcrest High School
Memphis, TN
05.1989

Skills

  • SKILLS AND KNOWLEDGE
  • Non-QM Experience Knowledge of Encompass and Cadence system Product knowledge of Secondary Marketing products Quality Assurance-Analytical-Quality Control Strong knowledge FHA, VA, Conventional and Non-QM Regulatory Compliance SAR LAPP VA Veterans Administration Jumbo-VA, Conventional 5 years Microsoft office Suite Loss Mitigating/Remediation -Foreclosures
  • Policy renewal
  • Data analysis
  • Trend Analysis
  • Risk management
  • Policy Development

Timeline

UNDERWRITER

COMMERICAL, LENDZ FINANCIAL
05.2021 - Current

SENIOR UNDERWRITER CONVENTIONAL

11.2020 - 04.2021

SENIOR UNDERWRITER VA

VETERANS UNITED HOME LOANS
09.2019 - 10.2020

Sr. Auditor

USAA
06.2015 - 11.2018

SR. UNDERWRITER

USAA
03.2013 - 06.2015

University of Phoenix

High School Diploma -

Hillcrest High School

Similar Profiles

CREATE PROFILE
Michelle P Randle