Mildred Roberts
West Columbia,South Carolina
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skill Mortgage Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.
Overview
12
12
years of professional experience
1
1
Certification
Work History
DE Underwriter
Freedom Mortgage
Mount Laurel, NJ
11.2020 - 05.2022
- Approve, suspend, or deny FHA streamline credit and non-credit qualifying loans
- Utilized DU system and FHA 4000.1 guidelines to execute risk assessment to decision mortgage loans
- Reviewed and evaluated borrower’s profile that included all income documentation, tax returns, asset documentation, credit reports, preliminary title report, judgements, bankruptcy documents and appraisals
- Maintained pre-established service level standard of decisions within service level time frame set by the company
- Demonstrated proficiency in automated underwriting system DU.
- .
Mortgage Underwriter
TD Bank
LEXINGTON, SC
06.2018 - 10.2020
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Proactively identified solutions for customers experiencing credit issues.
Home Equity Underwriter
TD Bank
Lexington, SC
07.2016 - 06.2018
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Determined and documented loan conditions and communicated requirements and decisions.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Improved operations through consistent hard work and dedication.
Consumer Underwriter
TD Bank
Lexington , SC
07.2014 - 06.2016
- Supported loan officers and processors to help with timely completion of loan application.
- Adhered to loan procedures and conditions and cut lags by 90%.
- Analyzed applicant profiles and credit histories while reviewing loan approval contingencies to execute accurate and speedy pricing initiatives.
- Studied applicant profiles and credit histories while identifying loan approval contingencies to deliver efficient pricing initiatives.
- Boosted operational efficiencies and traceability by creating organizational filing systems for loan data, records and other documentation.
Loan Processor IV
TD Bank
Lexington , SC
06.2011 - 08.2014
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
Business Support Anayst
Wells Fargo
Columbia , SC
01.2010 - 08.2011
- Identified and managed service risks within company, recommending best practice enhancements and guidelines updates.
- Liaised with human resource department to resolve employee conflicts and concerns in need of escalation.
- Supported special financial and business projects with administrative assistance.
- Maintained smooth back-office functions to promote efficient business operations.
- Documented, analyzed and modeled financial data for use in business planning.
- Served as executive staff liaison to several committees.
Education
Bachelor of Science - Organizational Management
Voorhees College
Denmark, SC2009
Associate of Science - Office Administration
Savannah River College
2005
Skills
- Loan File Review
- Problem Solving
- Income Evaluation
- Credit File Updating
- Attention to Detail
- Automated Underwriting System (AUS)
- Creditworthiness Determination
- Multitasking and Prioritization
- Decision Making
Certification
DE CERTIFICATION KF37
Timeline
DE Underwriter
Freedom Mortgage
11.2020 - 05.2022
Mortgage Underwriter
TD Bank
06.2018 - 10.2020
Home Equity Underwriter
TD Bank
07.2016 - 06.2018
Consumer Underwriter
TD Bank
07.2014 - 06.2016
Loan Processor IV
TD Bank
06.2011 - 08.2014
Business Support Anayst
Wells Fargo
01.2010 - 08.2011
Bachelor of Science - Organizational Management
Voorhees College
Associate of Science - Office Administration
Savannah River College
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