Patrick Payton
Columbia,MO
Summary
Experienced VA Mortgage Underwriter with significant background working with Veteran customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Mainly concentrating on getting my borrowers/Veterans in their homes in a timely manner while maintaining and keeping risk low.
Overview
9
9
years of professional experience
1
1
Certification
Work History
After Hours Call Center Rep
EquipmentShare
11.2023 - Current
- Enhanced customer satisfaction by efficiently addressing and resolving inquiries in a timely manner.
- Streamlined call flow processes for more efficient response times and increased productivity.
- Improved first-call resolution rates with thorough issue analysis and effective problem-solving techniques.
- Reduced average call handling time, ensuring prompt service to customers while maintaining quality interactions.
- Managed high call volumes while providing exceptional customer support and maintaining professional composure.
Mortgage Underwriter
Veterans United Home Loans
02.2021 - 08.2023
- 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.
- 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.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
Account Manager
Veterans United Home Loans
07.2015 - 02.2021
- Maintained current knowledge of evolving changes in marketplace.
- Met existing customers to review current services and expand sales opportunities.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Communicated efficiently with 3rd party vendors
- Balancing and managing loans
- Reading and analyzing
documents for errors
Education
High School Diploma -
David H. Hickman High School
Columbia, MO05.2011
Skills
- Collections Proficiency
- Government Lending
- Non-Prime Markets
- Loan Product Knowledge
- Calculate Payments
- Residual Incomes
- Debt-To-Income Ratios
- Complex Problem-Solving
- Desktop Underwriter
Certification
Licensed SAR - August of 2021
Skills
- Collections Proficiency
- Government Lending
- Non-Prime Markets
- Loan Product Knowledge
- Calculate Payments
- Residual Incomes
- Debt-To-Income Ratios
- Complex Problem-Solving
- Desktop Underwriter
Timeline
After Hours Call Center Rep
EquipmentShare
11.2023 - Current
Mortgage Underwriter
Veterans United Home Loans
02.2021 - 08.2023
Account Manager
Veterans United Home Loans
07.2015 - 02.2021
High School Diploma -
David H. Hickman High School
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