Patricia Bonilla
Des Plaines,IL
Summary
Disciplined Mortgage Underwriter pays attention to details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to produce quality results. Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements.
Overview
34
34
years of professional experience
1999
1999
years of post-secondary education
Work History
Credit Risk Analyst
Fannie Mae
Chicago, Illinois
11.2003 - 08.2025
- Post acquisition analysis of delivered loan data, for risk assessment, pricing and data discrepancies.
- Assisted in developing risk model to identify potential post acquisition loan data discrepancies
- Lender management
- Collaborated with team members to streamline data collection procedures for analysis.
- Monitored delivered loan data trends to identify potential impacts on loan eligibility and pricing.
- Engaged in training sessions to maintain compliance.
- Utilized software tools to manage and analyze loan data efficiently.
- Created presentations summarizing key findings from analyses conducted on lender and loan data.
- Participated in cross-functional meetings with other departments such as credit policy, lender management teams, and operations.
- Reviewed Fannie Mae Selling Guide related to loan eligibility and loan delivery requirements and recommended improvements.
- Assisted in drafting policies and procedures for team processes
- Worked closely with both customers and lender management team to improve lender processes
- Assisted in the improvement and development of credit policies and procedures to mitigate potential risk and credit losses
Mortgage Underwriter
GE Mortgage Insurance
Oakbrook Terrace, Illinois
06.2003 - 10.2003
- Reviewed and evaluated loan applications and supporting documents
- Determined loan eligibility and approved or rejected loan applications
Loan Processor
Chicago Bancorp
Chicago
02.1992 - 06.2003
- Analyzed loan applications and supporting documents to determine eligibility for approval.
- Submitted loan applications to underwriting for review and approval process.
- Coordinated with underwriters to facilitate timely loan approvals and decisions.
Education
GED Degree
Chicago, IllinoisSome College (No Degree) - Liberal Arts And Sciences
Wilbur Wright College
Chicago, IllinoisSkills
- Loan evaluation
- Risk analysis
- Credit policy development
- Data management
- Underwriting guidelines
- Loan origination software
- FNMA guidelines
- Customer relations
- Analytical and critical thinking
- Problem-solving
- Multitasking Abilities
Technology Skills
- Fannie Mae Loan Quality Connect
- Desktop Underwriter (DU)
- Collateral Underwriter (CU)
- Uniform Collateral Underwriting Portal (UCDP)
- Uniform Collateral Dataset (UCD)
- Microsoft Office Suite
- Microsoft CoPilot
Timeline
Credit Risk Analyst
Fannie Mae
11.2003 - 08.2025
Mortgage Underwriter
GE Mortgage Insurance
06.2003 - 10.2003
Loan Processor
Chicago Bancorp
02.1992 - 06.2003
GED Degree
Some College (No Degree) - Liberal Arts And Sciences
Wilbur Wright College