Mindy Keller
Pace,FL
Summary
Primary function is to ensure the timely and accurate underwriting of HE loans, HELOC, Conventional, Construction, and Unimproved/Land loans in accordance with PAFCU standards and guidelines. Verify the validity of the information provided. Maintain a working knowledge of all services and operations of the credit union.
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Proficient in reviewing extensive applications and supporting documentation.
Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
21
21
years of professional experience
Work History
Sr. Mortgage Underwriter
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.
Mortgage Closer
Pen Air Federal Credit Union
Pensacola, FL
03.2012 - 06.2014
Mortgage Processor
Pen Air Federal Credit Union
Pensacola, FL
02.2008 - 02.2012
Mortgage Warehouser
Pen Air Federal Credit Union
Pensacola, FL
07.2005 - 02.2008
Teller
Pen Air Federal Credit Union
Pensacola, FL
09.2001 - 07.2005
Education
High School Diploma -
Pace High School
Pace, Florida05.1998
Skills
- Credit History Review
- Loan Processing Coordination
- Automated Underwriting Systems
- Loan File Maintenance
- Desktop Underwriter
- Application Reviews
- Creditworthiness Determination
- Property Evaluation
- Debt Determination
- Eligibility Requirements
- Banking Standards
- Customer Satisfaction
- Loan Product Knowledge
- Income Verification
- Credit Union Operations
- Employee Performance
- Financial Documentation
- Underwriting Regulations
- Active Listening and Learning
- 10-Key Typing
- Program Requirements
- Oral and Written Comprehension
- Closing Disclosures
- Credits Understanding
Timeline
Sr. Mortgage Underwriter
Pen Air Federal Credit Union
06.2014 - Current
Mortgage Closer
Pen Air Federal Credit Union
03.2012 - 06.2014
Mortgage Processor
Pen Air Federal Credit Union
02.2008 - 02.2012
Mortgage Warehouser
Pen Air Federal Credit Union
07.2005 - 02.2008
Teller
Pen Air Federal Credit Union
09.2001 - 07.2005
High School Diploma -
Pace High School
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