Sandra Blair
San Antonio,TX
Summary
Industrious Senior Underwriter with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Desiring to bring 15 years of related experience to a dynamic new role with room for advancement.
Overview
23
23
years of professional experience
Work History
Senior Underwriter - Special Project
Wells Fargo
San Antonio, TX
05.2021 - Current
- Trained new team members on processes to meet performance and analysis objectives.
- Researched and implemented best practices to improve results.
- Presented results to management teams, delivering information in non-technical terms for easy understanding.
- Identified risks and opportunities with management to improve business processes.
- Established trusting relationships with senior staff to support objectives.
- Worked closely with management to discuss results and action plans.
- Maintained confidentiality of company information obtained in assignments.
- Led daily calls with staff members on techniques and updates needed to meet department objectives
Senior Underwriter - Loss Mitigation
Wells Fargo
San Antonio, TX
06.2009 - 05.2021
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Analyzed debt-to-income ratios to ensure borrowers met the requirements of underwriting guidelines.
- Collaborated with internal departments to resolve issues related to customer complaints or discrepancies in loan documentation.
- Provided guidance and assistance to junior underwriters regarding loan underwriting processes and procedures.
- Documented all decisions made during the underwriting process in accordance with regulatory requirements.
- Prepared reports outlining findings from loan review process for senior management review.
- Monitored pipeline activity to ensure timely processing of all loans within established service level agreements.
- Tracked changes in underwriting guidelines issued by investors or agencies such as Fannie Mae or Freddie Mac.
- Provided technical advice on difficult cases requiring special attention or expertise.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
Financial Crimes Specialist
Wells Fargo
San Antonio, TX
03.2001 - 06.2009
- Reviewed customer accounts for suspicious activities and potential money laundering.
- Analyzed financial transactions for any irregularities or potential criminal activity.
- Conducted investigations of suspected fraudulent activity by gathering data from various sources.
- Identified and reported possible fraud, money laundering and other financial crimes to the appropriate law enforcement agencies.
- Prepared detailed reports on all findings related to financial crimes investigations.
- Provided training to staff members on how to detect and prevent financial crimes.
- Investigated customers' backgrounds through public records searches, credit checks.
- Assessed compliance with applicable laws, regulations, guidelines, industry standards.
- Collaborated with internal departments such as legal, compliance and audit to ensure proper processes are being followed.
- Researched current trends in the field of financial crime prevention and detection.
- Maintained up-to-date knowledge of relevant legislation pertaining to financial crimes.
- Participated in regular meetings with senior management teams to discuss progress on key initiatives related to preventing and detecting financial crimes.
- Documented facts and statements gathered from complainants, witnesses and accused persons.
Skills
- Analyzing data
- Quality Assurance
- Guidelines knowledge
- Managing risk
- Credit analysis
- Microsoft Office
- Risk Assessments
- Training and mentoring
- Collaboration
- Building strong relationships
- Loss Prevention
Timeline
Senior Underwriter - Special Project
Wells Fargo
05.2021 - Current
Senior Underwriter - Loss Mitigation
Wells Fargo
06.2009 - 05.2021
Financial Crimes Specialist
Wells Fargo
03.2001 - 06.2009
Similar Profiles
PATRICIA M. SCHERERPATRICIA M. SCHERER
Regional Bank Private Banker II at Wells Fargo Bank / Wells Fargo AdvisorsRegional Bank Private Banker II at Wells Fargo Bank / Wells Fargo Advisors
Andrew S. HollenbachAndrew S. Hollenbach
Collateral Valuation Analysis at Wells Fargo Home Mortgage and Wells Fargo Bank NACollateral Valuation Analysis at Wells Fargo Home Mortgage and Wells Fargo Bank NA
Laxmikanth ChittampallyLaxmikanth Chittampally
Senior Operational Processor at Wells Fargo India Solution PVT Ltd, Wells FargoSenior Operational Processor at Wells Fargo India Solution PVT Ltd, Wells Fargo
Mayank OberoiMayank Oberoi
Financial Accounting Associate/ Alteryx SME at Wells Fargo International Solutions Private LTD (Wells Fargo)Financial Accounting Associate/ Alteryx SME at Wells Fargo International Solutions Private LTD (Wells Fargo)
Joseph LanghamJoseph Langham
Sonar Technician at United States NavySonar Technician at United States Navy