Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Penny Sherley

Penny Sherley

Oklahoma City,OK

Summary

Accomplished in reducing risky policies and improving company profitability through strong decision-making, critical thinking and conflict management skills. Keen relationship-builder with excellent communication and organizational skills. Skilled Job Title specializing in Area of expertise, offering more than Number years of experience to growing organizations. Highly adept in underwriting moderate to complex policies. Analytical Senior Underwriter with Number years of experience steering applications through approval process. Develops and enforces guidelines and policies among all underwriters, personally underwriting for key partners. Directing investment resources toward promising opportunities. Strategic Job Title with strong background in processing mortgages and loans. Assesses and evaluates risks with keen eye for coverage and pricing. Strong negotiation skills and dedicated to staying up-to-date with new market trends.

Overview

30
30
years of professional experience
4
4
Certification

Work History

Sr Underwriter Audit

Citigroup Inc
07.2006 - 06.2016
  • Calculated group and individual renewal rates based on customers' background, industry and demographic information.
  • Tracked and updated organizational guarantees, keeping financing terms in line with company profit and risk management objectives and guidelines.
  • Made decisions on acceptance, rejection or modification of business proposals.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Provided high level of assistance to help with review, classification, coding, and rating of applications.
  • Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions.
  • Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.

Senior Underwriter

Franklin American Mortgage Co., a Division of Citizens Bank
07.2005 - 06.2006
  • Participated in industry conferences and seminars to stay informed about the latest trends, regulatory changes, and best practices in underwriting.
  • Mentored junior underwriters, fostering their professional growth and enhancing team performance.
  • Streamlined underwriting processes for increased efficiency and faster turnaround times.
  • Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
  • Effectively managed high-risk accounts by monitoring performance metrics and implementing timely corrective actions as needed.

Sr Underwriter

RMIC
Ft Worth, Tx
06.2003 - 07.2005
  • Worked effectively in fast-paced environments.
  • Self-motivated, with a strong sense of personal responsibility.
  • Skilled at working independently and collaboratively in a team environment.
  • Proven ability to learn quickly and adapt to new situations.
  • Excellent communication skills, both verbal and written.
  • Worked well in a team setting, providing support and guidance.

Sr Underwriter

North American Mortgage
06.1999 - 07.2003
  • Organized and detail-oriented with a strong work ethic.
  • Self-motivated, with a strong sense of personal responsibility.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Demonstrated strong organizational and time management skills while managing multiple projects.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Learned and adapted quickly to new technology and software applications.
  • Skilled at working independently and collaboratively in a team environment.
  • Passionate about learning and committed to continual improvement.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Worked well in a team setting, providing support and guidance.
  • Proven ability to learn quickly and adapt to new situations.
  • Proved successful working within tight deadlines and a fast-paced environment.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Strengthened communication skills through regular interactions with others.
  • Developed and maintained courteous and effective working relationships.
  • Worked effectively in fast-paced environments.
  • Paid attention to detail while completing assignments.
  • Excellent communication skills, both verbal and written.

Education

Diplomma - General

Altus High School
Altus, OK

Skills

Determination Rendering
Service-Orientation
Risk Evaluation

  • Data Analysis
  • Quality Assurance
  • Loan Evaluations

Desktop Underwriter

  • Managing Risk

Guidelines Knowledge

  • Quality Control
  • Collateral Valuation

Certification

  • Area of certification Training - Timeframe
  • DE CHUMS
  • VALAPP
  • FNMA APPRAISALS
  • FHLMC SELF EMPLOYED

Timeline

Sr Underwriter Audit

Citigroup Inc
07.2006 - 06.2016

Senior Underwriter

Franklin American Mortgage Co., a Division of Citizens Bank
07.2005 - 06.2006

Sr Underwriter

RMIC
06.2003 - 07.2005

Sr Underwriter

North American Mortgage
06.1999 - 07.2003

Diplomma - General

Altus High School

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Penny Sherley