RAYMOND JAMES GRADY

• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
• Documented underwriting decisions and provided evidence of compliance with applicable regulations.
• Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
• Made approval and denial recommendations by determining accurate risk levels.
• Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
• Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.

• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
• Documented underwriting decisions and provided evidence of compliance with applicable regulations.
• Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
• Made approval and denial recommendations by determining accurate risk levels.

• Helped committees evaluate borrower creditworthiness by preparing thorough underwriting calculations and worksheets
• Evaluated property conditions with direct inspections and values through comparisons to market dynamics
• Determined appropriateness of approval or denial of Conventional, FHA, USDA, and Jumbo based on identified risk profiles
• Calculated loan risks based on thorough reviews of application information against established criteria
• Reviewed appraisals, inspections, and environmental reports for all property types
• Processed high volume of transactions with consistent accuracy and strong attention to critical details

• Balance the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability
• Ensure loan submittals meet stringent internal and external eligibility requirements, while gaining extensive experience in underwriting best practices and changes
• Maintain strong attention to detail in underwriting mortgages, evaluating the financial strength of borrowers to determine risk and repayment capacity
• Leverage knowledge of loan products to help maintain compliance with lending, underwriting and government requirements
• Develop processes and procedures to effectively manage files in underwriting and streamline communication
• Demonstrate excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process

• Oversee and direct the daily operations of mortgage operations including processing, underwriting, closing and post-closing activities
• Monitor the productivity and budgetary performance of mortgage lending operations and funding, hitting monthly and quarterly targets year-over-year
• Ensure efficient delivery of products and services to clients building relationships with internal and external stakeholders with a focus on customer experience
• Manage office personnel ensuring performance and financial goals are achieved
• Work with IT departments to properly implement software and technology for accurate and loan closing capabilities

U.S Veteran