Roberta Ficarra
Philadelphia,PA
Summary
Mortgage Loan Underwriter with extensive experience in evaluating mortgage applications for compliance and risk assessment. Proven ability to mentor colleagues and improve underwriting processes, resulting in enhanced team efficiency. Strong communication and problem-solving skills drive successful outcomes in high-pressure environments.
Overview
21
21
years of professional experience
Work History
Mortgage Loan Underwriter
Ardent Credit Union
Philadelphia, PA
08.2020 - Current
- Evaluate mortgage applications for compliance with underwriting guidelines.
- Analyze credit reports and financial statements to assess borrower risk.
- Collaborate with loan officers and loan processors to clarify borrower information and documentation.
- Review property appraisals to ensure accurate valuations and risk assessments.
- Reviewed loan applications to determine borrower's creditworthiness and eligibility for mortgage loans.
- Determined whether or not to approve or deny loan requests based on established underwriting guidelines.
- Mentored and trained fellow underwriters on best practices and industry standards.
- Review post-closing documents for accuracy and compliance with federal regulations. Submit and monitor the third party QC process.
- Provided guidance and advice to loan officers regarding complex loan scenarios.
- Developed relationships with external vendors such as appraisers and title companies to ensure timely delivery of required documents.
- Provided support and guidance to colleagues to maintain a collaborative work environment.
Mortgage Loan Processor
Ardent Credit Union
Philadelphia, Pennsylvania
11.2018 - 08.2020
- Reviewed loan applications for accuracy and completeness.
- Coordinated with underwriters to resolve documentation issues.
- Communicated with borrowers to gather necessary information.
- Processed mortgage loans using internal software systems.
- Maintained organized electronic files for all loan documents.
- Assisted team members in training on new processing tools.
- Submitted completed loan packages to underwriting department for approval or denial decisions.
- Provided customer service by responding to inquiries regarding loan status.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- I trained the staff on the proper completion of the Underwriting Transmittal and helped the Credit Union start selling loans to Freddie Mac, paying strong attention to the recommendations in the feedback.
Mortgage Loan Officer
Santander Bank Us
Philadelphia, Pennsylvania
11.2016 - 11.2018
- Manage and oversee the mortgage originations and sales for six bank branches in Philadelphia and surrounding areas.
- Worked with bank, business, and commercial partners to increase sales for all divisions of the company.
- Explained mortgage products and options to clients in clear, concise terms.
- Coordinated with underwriters to ensure timely processing of loan applications.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
Mortgage Consultant Team Lead
State Financial Network
Broomall, Pennsylvania
10.2004 - 11.2016
- Evaluated client financial profiles for mortgage eligibility.
- Advised clients on mortgage options and terms.
- Originated loans for 14 client credit unions. Maintained a strong relationship with the chief lending officer.
- Managed the Originations department, training all new employees, and implementing and installing new software programs. I wrote training manuals for new and existing employees. Managed the daily production while maintaining my own pipeline.
- In charge of bringing in new credit union clients. Grew the client base from three credit unions in 2010 to fourteen in 2016.
Education
Some College (No Degree) - Business Banking And Finance Courses
Temple University
Philadelphia, PASkills
- Loan underwriting and credit analysis
- Risk assessment and compliance review
- Appraisal evaluation
- Mortgage documentation
Timeline
Mortgage Loan Underwriter
Ardent Credit Union
08.2020 - Current
Mortgage Loan Processor
Ardent Credit Union
11.2018 - 08.2020
Mortgage Loan Officer
Santander Bank Us
11.2016 - 11.2018
Mortgage Consultant Team Lead
State Financial Network
10.2004 - 11.2016
Some College (No Degree) - Business Banking And Finance Courses
Temple University