Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

SANJA KNOX

Huntersville,NC

Summary

Customer-centric leader specializing in full-cycle project management, stakeholder engagement, risk assessment, and cross-functional collaboration. 15+ years in finance industry career leading customer initiatives from end to end and delivering customer value. Deep expertise in building trust-based relationships with customers and partnering across teams to define project requirements, scope, plans, and objectives. Recognized for outperforming goals and delivering on customers’ desired business outcomes. Create training collateral and promote diversity, equity, and inclusion to build and lead top-talent project teams.

Overview

7
7
years of professional experience
1
1

Certifications

Work History

Underwriter Team Lead

Maxwell Finance Solutions
01.2021 - 06.2022
  • Collaborated with cross-functional teams to ensure adherence to regulatory requirements and best practices, resulting in improved operational efficiency and reduced legal and financial risk.
  • Trained new team members by relaying information on companies ;policies and procedures, based on underwriting scorecards.
  • Achieved 2nd-highest application-to-funding ratio ($12.8M FY2021) among 14-member team.
  • Informed financial decisions by analyzing financial information to forecast business, industry or economic conditions.
  • Monitored team performance and provided constructive feedback to increase productivity and maintain quality standards.
  • Employed strong program management skills to successfully define and manage ongoing initiatives designed to control Investor risks.
  • Own end-to-end management of high-volume customer loan projects from application to funding.

Senior Mortgage Underwriter

Owning
01.2020 - 01.2021


  • Consistently achieve high-quality standards through effective collaboration with Tech team.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Verified integrity of applicants' information to minimize fraud.
  • Improved risk assessment and process efficiency 50% by creating training for 40 junior staff.
  • Consistently achieve high-quality standards through effective collaboration with Tech team.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Made challenging determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.

Senior Mortgage Underwriter

Round Point Mortgage
01.2019 - 01.2020
  • Analyze and underwrite complex senior-level loan submissions, including self-employed borrowers, rental properties, variable income, and all property valuation types
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Developed and maintained relationships with investors to drive compliance with guidelines.

Underwriter

Lennar New Home Build Corporation
01.2018 - 01.2019
  • Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, corporate procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA policies
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

Processing Team Lead

JG Wentworth Home Lending
01.2017 - 01.2018
  • Maximize project success by conducting comprehensive risk assessments
  • Research and analysis of credit policies to update guidelines to prevent Investor losses during Quality Audits
  • Analyze and underwrite complex senior-level loan submissions, including self-employed borrowers, rental properties, variable income, and all property valuation types
  • Review client requirements, developing and implementing software solutions that fit with expectations.

Senior Mortgage Processor

Annie Mac Home Loans
01.2015 - 01.2017
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.

Education

Associate Degree - Business Administration

American Intercontinental University

Diversity, Equity & Inclusion in the Workplace Certification -

University of South Florida

Google Project Management Certification - Pursuing - Project Management

Google Project Management
Remote

Certified SAFe 6 Scrum Master Certification - Information Technology

Scaled Agile Inc
05.2023

Project Management With Agile Plus Certification -

Central Piedmont Community College
Charlotte, NC
03.2023

Skills

  • SKILLSET
  • User Acceptance Testing (UAT)
  • Complex Problem-Solving
  • Policy / Procedure Development
  • Continuous Improvement
  • Team Training / Development
  • Cross-Functional Collaboration
  • Project Scope Analysis
  • Microsoft Office Suite Expertise
  • Project Leadership
  • Quality Assurance and Control
  • Client Relations
  • Functional and Business Requirements

Certification

Certified SCRUM Master Certification

Project Management with Agile Plus Certification(CPCC)

Google Project Management (Pursuing)

Timeline

Underwriter Team Lead

Maxwell Finance Solutions
01.2021 - 06.2022

Senior Mortgage Underwriter

Owning
01.2020 - 01.2021

Senior Mortgage Underwriter

Round Point Mortgage
01.2019 - 01.2020

Underwriter

Lennar New Home Build Corporation
01.2018 - 01.2019

Processing Team Lead

JG Wentworth Home Lending
01.2017 - 01.2018

Senior Mortgage Processor

Annie Mac Home Loans
01.2015 - 01.2017

Associate Degree - Business Administration

American Intercontinental University

Diversity, Equity & Inclusion in the Workplace Certification -

University of South Florida

Google Project Management Certification - Pursuing - Project Management

Google Project Management

Certified SAFe 6 Scrum Master Certification - Information Technology

Scaled Agile Inc

Project Management With Agile Plus Certification -

Central Piedmont Community College

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