Summary
Overview
Work History
Education
Skills
Timeline
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Nancy Cantrell

Grand Prairie,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. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

20
20
years of professional experience

Work History

Underwriter

Gateway Mortgage
04.2019 - Current
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Ascertained application viability by verifying collateral values, title reports and appraisals.

Regional Underwriting Manger

Gateway Mortgage
10.2021 - 01.2023
  • Managed and motivated employees to be productive and engaged in work.
  • Accomplished multiple tasks within established timeframes. Including overseeing any escalations which involved all agencies FHA, Conventional, USDA, VA, and bond programs.
  • Cross-trained existing employees to maximize team agility and performance.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Established team priorities, maintained SLA'S and monitored performance.
  • Evaluated employee performance and conveyed constructive feedback to improve skills.
  • Assisted in organizing and overseeing assignments to drive operational excellence.

Sr. Loan Officer

Brazos National Bank
01.2019 - 04.2019
  • Maintained strict confidentiality of bank records and client information.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Developed and maintained relationships with local real estate agents.
  • Developed strong relationships with customers through high levels of customer service.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Collaborated with other departments to promptly process loan applications.
  • Utilized risk management strategies to attain high loan approval rates.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Assisted customers with completing loan applications and other paperwork.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers. Reviewed appraisals and was able to relay to client.
  • Researched and updated industry knowledge on changing legislation and regulations.

Sales Coordinator II, Jr. Underwriter

Pacific Union Financial
01.2013 - 02.2018
  • Developed strong relationships with customers through high levels of customer service.
  • Developed systems to efficiently track loan documents and enhance accuracy.
  • Monitored pipelines to track and log status of loans.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
  • Provided primary customer support to internal and external customers.
  • Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
  • Exhibited high energy and professionalism when dealing with clients and staff.
  • Met customer call guidelines for service levels, handle time and productivity.
  • Followed up with customers about resolved issues to maintain high standards of customer service.
  • Reviewed conditions provided to ensure each condition was satisfactory prior to clearing.
  • Responsible for ordering mortgage insurance certificate's, facilitated closings and fundings with current turn times.

Loan Officer Assistant and Loan Processor

Array Capital
03.2008 - 01.2013
  • Communicated with customers daily to request information and complete paperwork.
  • Answered inquiries and provided superior customer service to clients.
  • Set up files and submitted on-time for processing. Reviewed all documentation received including all appraisals.
  • Assisted in loan originations, reviewed, processed, closed, and administered customer loan proposals.
  • Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.


Office Manager

Texas United Mortgage
10.2003 - 03.2008
  • Coached new hires on company processes while managing employees to achieve maximum production including, loan originators and loan processors.
  • Handled all escalations and was able to maintain positive customer relations by addressing problems head-on and implementing successful corrective actions.
  • Assisted in organizing and overseeing assignments to drive operational excellence.
  • Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
  • Developed strong relationships with customers through high levels of customer service.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Submitted loan applications to underwriter for verification and recommendations.

Education

Northlake College
Irving, TX

Skills

  • Property Appraisals
  • Data Collection
  • Quality Assurance
  • Time Management
  • Government Standards
  • Underwriting Process Expertise
  • Client Relationship-Building
  • Production Goals
  • Automated Underwriting Systems
  • Application Reviews
  • Underwriting Calculations
  • Net Operating Income Formulation
  • Loan Approval and Denial
  • Customer Satisfaction
  • Environmental Underwriting
  • Freddie Mac and Fannie Mae Compliance
  • Appraisal Verification
  • Underwriting Understanding
  • Desktop Underwriter
  • Managing Multiple Priorities
  • Customer Interaction
  • Explain Company Policies
  • Review Histories

Timeline

Regional Underwriting Manger

Gateway Mortgage
10.2021 - 01.2023

Underwriter

Gateway Mortgage
04.2019 - Current

Sr. Loan Officer

Brazos National Bank
01.2019 - 04.2019

Sales Coordinator II, Jr. Underwriter

Pacific Union Financial
01.2013 - 02.2018

Loan Officer Assistant and Loan Processor

Array Capital
03.2008 - 01.2013

Office Manager

Texas United Mortgage
10.2003 - 03.2008

Northlake College

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Nancy Cantrell