Natalie Cannon
Galena,OH
Summary
Results-oriented mortgage professional with over 20 years of expertise in processing, sales, underwriting, quality assurance, and underwriting management, demonstrating a proven ability to balance risk, quality, and production while maintaining a customer-centric focus.
Overview
20
20
years of professional experience
Work History
Assumption Mortgage Underwriting Supervisor
JP Morgan Chase & Co.
05.2024 - Current
- Exercised specialty underwriter lending authority for $2,500,000 in first mortgages (Conventional, Non-Agency, FHA, and VA), $200,000 in second mortgages, and exceptions.
- Directed a staff ranging from 10 to 28 employees, promoting teamwork and accountability.
- Formulated underwriting strategies aimed at risk minimization and procedural control.
- Engaged in long-term initiatives supporting operational excellence and policy enhancements.
- Facilitated adherence to regulatory standards and optimized capacity modeling for staffing needs.
- Achieved productivity, quality, and customer satisfaction targets with the underwriting team.
- Executed second-level reviews on denied applications to ensure consistency in decision-making.
- Organized training sessions and meetings focused on process improvements and employee recognition.
Government Mortgage Underwriter IV
JP Morgan Chase & Co.
01.2021 - 04.2024
- Held lending authority for all conventional loans, including investment properties, Chase Private Client, Non-Agency, VA (LAPP ID 023603), FHA (CHUMS ID LC40), employee, affordable, and relocation loans.
- Conducted thorough credit, asset, and income analysis, specializing in complex self-employment cases.
- Mentored new and existing underwriters to enhance team capabilities and performance.
- Participated in Quality Review Team to perform second-level reviews of government loan files.
- Contributed to 2016 and 2022 Underwriting Review Panel, providing insights on underwriting policies and procedures.
Sr. DE Residential Mortgage Underwriter
Northwest Bank
10.2020 - 01.2021
- Reviewed appraisals and underwrote conventional, portfolio, VA loans, and home equity lines of credit.
- Analyzed credit, income, assets, title, and collateral with expertise in complex self-employment cases.
- Started in the USDA underwriter training program.
- Possessed lending authority for a diverse range of loan types.
Mortgage Quality Assurance Underwriting Sr. Specialist
JP Morgan Chase & Co.
09.2019 - 10.2020
- Conducted comprehensive post-closing file reviews to validate credit and income documentation.
- Ensured compliance with internal policies, investor requirements, and regulatory standards.
- Delivered detailed written analyses of findings and risk ratings to management.
- Identified policy and procedure gaps, providing strategic feedback to management.
Consumer Credit Review Audit Associate
JP Morgan Chase & Co.
01.2015 - 06.2015
- Executed comprehensive evaluations of underwriting practices to assess credit decision quality.
- Monitored consumer lines of business through periodic credit reviews and ongoing assessments.
- Analyzed loan transactions for adherence to established policies and procedures.
- Maintained accurate documentation of test results in Lotus Notes work paper database.
Mortgage Loan Officer (NMLS ID 564094)
The Huntington National Bank
01.2006 - 02.2012
- Originated conventional, portfolio, private investor, and government first mortgage loans across 48 states in call center environment.
- Selected as designated loan officer for converting warehoused and potential repurchase mortgage loans into saleable loans.
- Consulted monthly with Home Lending Operations Director and Head of Secondary Marketing on new loan conversions, providing progress updates on existing conversions.
- Cross-sold bank products and services including home equity lines of credit, installment loans, checking accounts, savings accounts, and insurance products.
Education
Bachelors Degree - Economics
The Ohio State University
Skills
- Attention to detail
- Multi-tasking
- Risk assessment
- Time management
- Relationship building
- Critical thinking
- Data analysis
- Problem solving
- Team collaboration
- Effective communication
- Self-motivation
- Results-driven
- Delegation skills
- Microsoft Word proficiency
- Microsoft Excel expertise
- Mortgage Express underwriting system knowledge
Timeline
Assumption Mortgage Underwriting Supervisor
JP Morgan Chase & Co.
05.2024 - Current
Government Mortgage Underwriter IV
JP Morgan Chase & Co.
01.2021 - 04.2024
Sr. DE Residential Mortgage Underwriter
Northwest Bank
10.2020 - 01.2021
Mortgage Quality Assurance Underwriting Sr. Specialist
JP Morgan Chase & Co.
09.2019 - 10.2020
Consumer Credit Review Audit Associate
JP Morgan Chase & Co.
01.2015 - 06.2015
Mortgage Loan Officer (NMLS ID 564094)
The Huntington National Bank
01.2006 - 02.2012
Bachelors Degree - Economics
The Ohio State University
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