Rama White
Tempe,AZ
Summary
Seeking employment with an organization to become a consistent top performer displaying efficient analytical, interpersonal and organizational practices in line with business goals while providing memorable customer experiences.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Transportation Specialist
Uber And Lyft
Phoenix, AZ
01.2020 - Current
- Complied with local driving regulations, ensuring passenger safety during transportation between points A and B.
- Delivered exceptional customer service by addressing queries and giving advice on local venues.
- Utilized passenger feedback for service enhancements and addressing any shortcomings.
- Consistently obtained outstanding customer satisfaction scores by providing exceptional service.
Mortgage Underwriter
Wells Fargo & Company
Tempe, AZ
06.2020 - 06.2022
- Conducted thorough reviews of loan applications to ensure accuracy and completeness. Assessed diverse financial documentation such as tax returns, bank statements, pay stubs, and credit reports to determine borrowers' capacity to repay loans. Identified discrepancies in documents and potential signs of fraudulent activities.
- Demonstrated strong adherence to company and regulatory policies by consistently staying informed about changes in laws and regulations related to mortgage lending.
- Proactively addressed concerns regarding title, appraisals, and insurance coverage. Partnered with internal teams to accelerate loan approval procedures.
Senior Processor
Lennar Mortgage
Tempe, AZ
09.2015 - 11.2019
- Executed all duties associated with processing, closing and preliminary underwriting of conventional, USDA, FHA,-VA and Jumbo loans
- Managed the entire loan application process, with a focus on obtaining loan approvals within 30 days from the date of application.
- Delivered expert subject matter advice and guidance to multiple cross-functional teams, effectively mentoring junior staff members on implementation strategies; Developed productive working relationships with co-workers and management.
Loan Processor III
imortgage
Scottsdale, AZ
01.2014 - 08.2015
- Handled various tasks involving conventional, USDA, FHA, and VA loan processing while also overseeing closing activities and conducting preliminary underwriting.
- Prepared and submitted complete loan applications for initial evaluation
- Successfully facilitated loan processing from initiation to funding, meeting goal of securing approvals within 30 days.
Mortgage Loan Processor
JP Morgan Chase Bank
Tempe, AZ
01.2011 - 01.2014
- Responsibly executed tasks related to conventional, USDA, and FHA loan processing including closing and preliminary underwriting
- Collated and prepared loan documents for submission to underwriters
- Processed loan applications from initial set-up through funding, consistently achieving loan approvals within 30 days of application date.
HR/Benefits Coordinator
ACS a Xerox Company
Tempe, AZ
01.2006 - 01.2011
- Assisted employees and managers in navigating self-service tools through technical assistance
- Ensured adherence to Federal/State regulations for all withholdings.
- Facilitated open enrollment for coordinating benefits
- Processed and reviewed payroll garnishments, pension deductions, and 401 contributions.
Education
Skills
- Jumbo loans
- Government Loans
- FNMA/FHLMC Purchase/Refinance
- 1st/2nd HELOC
- Appraisals
- Pipeline Management
- Quality Assurance
- Debt Management
- Underwriting
- CBR Analyst
- Efficiency Enhancements
- Fraud/Risk Management
- Working Remote
- Customer Service/Sales
- Call Center Management Experience
Certification
- Bonded Notary Public State of Arizona - Issued 02/2024
- NMLS(SAFE) Certified
Timeline
Mortgage Underwriter
Wells Fargo & Company
06.2020 - 06.2022
Transportation Specialist
Uber And Lyft
01.2020 - Current
Senior Processor
Lennar Mortgage
09.2015 - 11.2019
Loan Processor III
imortgage
01.2014 - 08.2015
Mortgage Loan Processor
JP Morgan Chase Bank
01.2011 - 01.2014
HR/Benefits Coordinator
ACS a Xerox Company
01.2006 - 01.2011
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