Microsoft OS Proficient
Shawn VonSteenburg
Financial Professional
Beachwood,NJ
Each small task of everyday life is part of the total harmony of the universe.
Saint Thérèse de Lisieux
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled analyst. Proven expertise in identifying unacceptable risk and preventing fraud. Underwriter offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity.
Analytical Junior Underwriter with expertise in Fannie Mae, Freddie Mac, FHA and VA. Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
25
25
years of professional experience
1
1
year of post-secondary education
1
1
Certificate
Work History
JUNIOR UNDERWRITER
SourcePoint, Inc
Palm Bay, FL
08.2020 - Current
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Entered details such as payments, account information and call logs into BYTE/Lakewood/EDMS systems.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process
- Provided high level of assistance to help with review, classification, coding and rating of applications
- Determined and documented loan conditions and communicated requirements and decisions
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process
- Assembled important paperwork and disclosures for borrower.
- Fannie Mae, Freddie Mac, VA and FHA
- Met 12-14 loan daily timeline consistently, turning around applications quickly with firm approval or denial decisions
- Explained very technical financial information to sales in easy to understand language
COMMERCIAL LOAN PROCESSOR
Sba Communications Corp.
Houston, TX
06.2020 - 08.2021
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
- Worked with customers to understand needs and provide promote service.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies and government clerks.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Assembled important paperwork and disclosures for borrower.
- Reviewed financial statements and contacted institutions and customers to clarify details.
LOAN ORIGINATOR
Advisors Mortgage Group, Toms River NJ LLC
01.2018 - 08.2021
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Collected information from banks, institutions and employers to assess applicant eligibility
- Interviewed applicants to assess loan requirements before suggesting offers
- Prepared documents for customers, submitting and overseeing through each step of closing process
- Examined customer loan applications for loan approvals and denials
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs
LOAN ORIGINATOR
Gateway Mortgage Group
, NJ
11.2016 - 11.2018
- Work with clients in the market to purchase a new home, refinance, renovate or build a new home with excellent customer service.
- Striving to educate the customer while helping them get in the home they have always dreamed.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
BAR MANAGER/BARTENDER
Bills Olde Tavern
Hamilton, NJ
04.2006 - 11.2016
- Oversee short and long term operational planning of bar and restaurant in high traffic area.
- Drive revenue growth by developing and implementing sales and marketing initiatives, including the execution of staff communication plans, planning of special events, and designing of party menus.
- Reduced inventory waste by 5%, by forecasting and managing outsourcing efforts.
- Improved staff morale buy spearheading changes to business operations strategy, while managing financial impact, and allowing for continued investor returns.
LOAN PROCESSOR | Empire Equity
Toms River, NJ
01.2003 - 04.2009
- Directed administration of loans from pre-approval to closing stage.
- Reviewed loan documents for completeness and compliance.
- Guided customers through loan closing process and fielded questions to appropriate departments.
- Recognized for highest on time closing rate in the department.
- Closed a average of 65 loans per month.
- Identified issues, analyzed information and provided solutions to problems
- Carried out day-to-day duties accurately and efficiently
- Resolved problems, improved operations and provided exceptional service
Education
Bachelor of Science - Business Management
07.2018 - 06.2019
- Majored in Small Business and Entrepreneurship Specialization
Skills
Excellent customer serviceundefined
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
JUNIOR UNDERWRITER - SourcePoint, Inc
08.2020 - Current
COMMERCIAL LOAN PROCESSOR - Sba Communications Corp.
06.2020 - 08.2021
DeVry University - Bachelor of Science, Business Management
07.2018 - 06.2019
LOAN ORIGINATOR - Advisors Mortgage Group, Toms River NJ LLC
01.2018 - 08.2021
NMLS Licensed in New Jersey
08-2017
LOAN ORIGINATOR - Gateway Mortgage Group
11.2016 - 11.2018
BAR MANAGER/BARTENDER - Bills Olde Tavern
04.2006 - 11.2016
- LOAN PROCESSOR | Empire Equity
01.2003 - 04.2009
Software
Btye
Certification
NMLS Licensed in New Jersey
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