Morgunn Thornhill
Higbee,MO
Summary
Dynamic underwriter with a proven track record at Veterans United Home Loans, excelling in risk assessment and regulatory compliance. Adept at leading teams to enhance workflow efficiency and deliver exceptional customer service. Passionate about leveraging data analysis to drive informed decision-making and improve underwriting processes.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Underwriter
Veterans United Home Loans
07.2021 - Current
- Managed workload to ensure timely and accurate processing of loan applications.
- Reviewed property appraisals to ensure accurate valuation and compliance with standards.
- Utilized underwriting software to determine loan risk and make approval decisions.
- Collaborated with loan originators and processors to gather necessary documentation.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Provided guidance on underwriting procedures to junior staff members.
- Identified areas of improvement within the organization's underwriting department.
- Managed a team of underwriters to ensure accurate and timely processing of applications.
Client Advocate Data Analyst
Veterans United Home Loans
12.2019 - 07.2021
- Queried data for various case studies
- Built and managed reports for team workflow
- Analyzed data from case studies and presented in a concise visual
- Worked primarily in SQL, Tableau and Smartsheet
Loan Officer
Veterans United Home Loans
10.2017 - 12.2019
- Stayed abreast of lending regulations, industry trends and market rates.
- Provided customer service support throughout the entire process from application through closing.
- Managed pipeline for originated loans through closing and complete required management reports.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Collaborated with company teams to expedite loan approval processes.
- Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
Transaction Coordinator
Veterans United Home Loans
12.2016 - 10.2017
- Collaborated with agents to identify potential problems early on in the transaction process so they can be addressed quickly.
- Developed and implemented strategies to meet monthly loan targets.
- Monitored loan processing activities to ensure timely completion of mortgage loans.
- Examined and verified information in loan application and closing documents.
- Addressed and resolved applicant and borrower queries throughout the loan cycle.
- Provided guidance on program qualification requirements as well as rate locks for each particular case.
- Interviewed loan applicants to obtain personal and financial data and assist in completing applications.
- Reached out to applicants to verify details and obtain additional information.
- Monitored loan progress, ensuring timely processing and closing.
Education
Bachelor of Science - Forensic Science
Columbia College
Columbia, MO05-2012
Skills
- Loan underwriting
- Risk assessment
- Regulatory compliance
- Data analysis
- Underwriting software
- Customer service
- Team management
- Workflow management
- Risk mitigation
Certification
- VA SAR Designation
Timeline
Underwriter
Veterans United Home Loans
07.2021 - Current
Client Advocate Data Analyst
Veterans United Home Loans
12.2019 - 07.2021
Loan Officer
Veterans United Home Loans
10.2017 - 12.2019
Transaction Coordinator
Veterans United Home Loans
12.2016 - 10.2017
Bachelor of Science - Forensic Science
Columbia College
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