Summary
Overview
Work History
Education
Skills
Timeline
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PATRICIA HARRIS

Covington,WA

Summary

Self-motivated professional with over 10 years of managerial and underwriting experience. Seeking to join a strong company to help achieve their goals by offering precision in compliance, policies, customer service skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy and problem-solving skills.

Overview

17
17
years of professional experience

Work History

Regional underwriting Manager

Evergreen Home Loans
05.2015 - 09.2023
  • Supervised as many as 10 conventional, Federal Housing Administration (FHA), Veterans Administration (VA) and jumbo loan underwriters
  • Developed plans to minimize risk that could impact the company’s bottom-line profits
  • Reviewed files for fraud or misrepresentation and verified against government suspended or debarred list
  • Worked with sales and support staff to identity the best product for customer, needs or financial situation
  • Trained employees on company standard operation procedures and internal operating systems
  • Coached team members on effective decision making in alignment with agency guidelines
  • Analyzed customer financials including tax returns and profit and loss statements
  • Conducted Title review to validate ownership, identified discrepancies to ensure valid transfers of ownership
  • Worked with various department to find solutions for any back-end problems to minimize risk or additional losses
  • Worked with senior leadership to develop processes and system to minimize production time for increased output.
  • Utilized knowledge of company's principles, policies and procedures to make decisions on risk assessment.
  • Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
  • Collaborated with other professionals to develop innovative underwriting solutions.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
  • Skilled at working independently and collaboratively in a team environment.
  • Self-motivated, with a strong sense of personal responsibility.
  • Proven ability to learn quickly and adapt to new situations.
  • Worked well in a team setting, providing support and guidance.
  • Worked effectively in fast-paced environments.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Excellent communication skills, both verbal and written.
  • Passionate about learning and committed to continual improvement.
  • Proved successful working within tight deadlines and a fast-paced environment.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Cultivated interpersonal skills by building positive relationships with others.

Underwriter

Caliber Home Loans
03.2009 - 05.2015
  • Reviewed and validated government and conventional documentation for data integrity and compliance with policies
  • Worked in a team environment/group to analyze complex situations to determine solutions that support organizational goals
  • Reviewed each team members work for inconsistencies or red flags
  • Coached and monitored team members on decisions, guidelines, and policy requirements
  • Worked with various department to find solutions for any back-end problems to minimize risk or additional losses.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Verified integrity of applicants' information to minimize fraud.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
  • Developed and maintained relationships with investors to drive compliance with guidelines.
  • Monitored pipelines to track and log status of loans.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.

Credit Reviewer

Wells Fargo Home Loans
03.2007 - 02.2009
  • Analyzed documents from various companies and brokers for credit and collateral approval
  • Researched employers, banks and property titles ensuring no inconsistencies.
  • Assisted outside Brokers and Sales Reps with customer support questions
  • Participated in outside sales meetings to help explain the company’s mission and goals.
  • Built, established and maintained relationships with sales reps and brokers.
  • Worked with various departments to correct or minimize company risk or losses.

Education

Business Administration

Miles College
Fairfield, AL

Skills

  • Risk Management
  • Application Review
  • Policy Development
  • Risk Assessment
  • Analyzing Data
  • Written Communication
  • Troubleshooting
  • Team Management
  • Flexible and Adaptable
  • Multi-tasker
  • Detailed and Methodical
  • Fast Learner

Timeline

Regional underwriting Manager

Evergreen Home Loans
05.2015 - 09.2023

Underwriter

Caliber Home Loans
03.2009 - 05.2015

Credit Reviewer

Wells Fargo Home Loans
03.2007 - 02.2009

Business Administration

Miles College

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PATRICIA HARRIS