SAE MOUA
Charlotte,NC
Summary
Dynamic and results-driven Mortgage Operations & Financial Services Professional with over 10 years of comprehensive experience in mortgage processing, underwriting, and client service. Proven track record of driving revenue growth, improving customer retention, and leading high-performing teams in fast-paced, compliance-driven environments. Skilled in quality assurance, small business credit analysis, and risk management. Recognized for strong communication, leadership, and strategic problem-solving abilities. Adept at building long-term client relationships by identifying customer needs and delivering tailored financial solutions that promote mutual success and operational excellence.
Overview
13
13
years of professional experience
Work History
Underwriting Analyst
Wells Fargo
01.2019 - 04.2024
- Reviewed and underwrote moderate-complexity consumer loan applications, ensuring accuracy, compliance, and timely decision-making.
- Managed a high-volume pipeline while consistently exceeding performance goals in productivity, quality audits, and customer satisfaction.
- Collaborated cross-functionally with internal teams and customers to resolve conditions, streamline documentation, and support seamless loan processing.
- Actively contributed to quality control initiatives and process improvements to enhance efficiency and reduce cycle times.
Sr. Mortgage Processor 5
Wells Fargo
09.2016 - 01.2019
- Facilitated efficient end-to-end loan processing by partnering with loan officers and underwriters to ensure timely and accurate submission of mortgage applications.
- Reviewed borrower documentation including income, credit, employment, appraisals, and title insurance to prepare complete files for underwriting.
- Maintained strict compliance with internal policies, underwriting guidelines, and regulatory requirements.
- Processed a wide variety of loan products, including conforming, non-conforming, FHA, VA, and Home Equity loans.
- Trained new hires as a Subject Matter Expert (SME) and supported management with system reports and escalations.
Home Equity Specialist 3
Wells Fargo
09.2011 - 09.2016
- Oversaw full-cycle processing of home equity loans and lines of credit, ensuring accuracy, regulatory compliance, and on-time closings.
- Acted as primary liaison between borrowers, loan officers, attorneys, and title companies to facilitate clear communication and resolve issues.
- Verified borrower documentation and coordinated third-party services such as title and appraisal.
- Managed a pipeline of 50+ active loans using systems including CORE, Coast to Coast, Compass, ECCS, ICMP and Hogan.
- Supported team development by serving as a Subject Matter Expert (SME) on internal systems and compliance protocols.
Education
Business Management
Central Piedmont Community College
Charlotte, NC01.2011
Skills
- Mortgage Lending & Processing
- Business Development & Pipeline Growth
- Cross-Functional Team Leadership
- Operations & Project Management
- Problem Resolution & Strategic Planning
- Regulatory & Policy Compliance
- Consumer Loans & Investments
- Product Knowledge & Client Education
Timeline
Underwriting Analyst
Wells Fargo
01.2019 - 04.2024
Sr. Mortgage Processor 5
Wells Fargo
09.2016 - 01.2019
Home Equity Specialist 3
Wells Fargo
09.2011 - 09.2016
Business Management
Central Piedmont Community College
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