Mindy Keller

Pen Air Federal Credit Union

Pensacola, FL

06.2014 - Current

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Verified integrity of applicants' information to minimize fraud.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Maintained mortgage program compliance with federal agencies such as FNMA/FHLMC, FHA, VA, USDA and all PAFCU Portfolio guidelines.
Checked personal and team calculations to validate information and underwriting decisions.
Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
Analyzes and decisions all construction perm loans
All denied loans are 2nd tiered decisioned and statuses are updated appropriately.
As requested, submits exception loans to the Exception Committee/Board Committee.
Aids in quality control findings and resolutions.
Trains and mentors staff as necessary for promotion opportunities.
Audits for all regulatory compliance appropriate to mortgage transactions.
Maintains knowledge of all PAFCU Portfolio guidelines.
Maintains a working knowledge of all Mortgage regulations including but not limited to Fair Lending, ECOA CFPB/Dodd Frank, Reg B and Reg Z.
Performs other job-related duties as assigned.