Shelly Alia
Tacoma
Summary
Throughout my career, I have contributed to positive business results through effective organization, prioritization and follow through of key organizational projects. My strengths and qualifications are an ideal match to the lending underwriting requirements and will bring immediate value to your organization. I exercised an ability to make underwriting decisions based on my critical thinking with an ability to analyzing income documentation including complex tax returns both personal and business, complete review of all credit documents to include credit reports, asset documentation and analyzing appraisal for accuracy and completeness. Furthermore, I am competent with my ability to make critical underwriting decisions. I have extensive knowledge with access to All Regs for investor guidelines including FHA, VA, Conventional, conforming and non-conforming and USDA loans. To include Jumbo loans and state housing programs. My leadership abilities and decision-making will serve to support your continued organizational efforts. To illustrate the scope of my career history and professional competencies, please take a moment to review my enclosed resume. I am grateful for your time evaluating my credentials.
Overview
10
10
years of professional experience
Work History
Property Tax Analyst
Pierce County
04.2024 - Current
- Evaluate and process applications for property tax exemptions to ensure that properties meet the legal and regulatory requirements to qualify for partial or full tax exemption.
- Examine documentation and verify eligibility (e.g., nonprofit status, religious use, senior citizen qualifications, disability status, etc.).
- Research property records, ownership details, zoning information, and usage.
- Analyze whether property use aligns with exemption criteria.
- Collaborated with team members to streamline processes, improving workflow effectiveness.
Substitute Paraprofessional
Puyallup School District
03.2023 - 04.2024
- Support office instructions with day to day activities.
- Provided support during classes, group lessons, and classroom activities.
- Collaborated with educators to develop and maintain effective communication with parents and guardians.
- Maintained accurate records of student progress, attendance, and behavior, contributing to efficient communication among school staff and parents.
- Ensured safety of all students by strictly adhering to school policies and procedures.
Senior DE Underwriter
Cross Country Mortgage
03.2019 - 11.2022
- Evaluated and analyzed loan applications to determine borrower eligibility and risk assessment.
- Collaborated with mortgage consultants to streamline underwriting processes and enhance operational efficiency.
- Conducted thorough reviews of financial documentation to ensure compliance with regulatory standards.
- Enhanced loan application approvals by thoroughly evaluating applicants'' creditworthiness and financial stability.
- Minimized loss exposure through careful review of title commitments, property insurance policies, and other relevant documents related to real estate transactions.
- Implemented process improvements that reduced turnaround times for loan approvals without compromising quality.
- Utilized advanced underwriting software to assess complex loan scenarios effectively and accurately.
- Conducted thorough income analyses, verifying employment and sources of income for accurate financial assessment of borrowers.
- Handled complex loan scenarios with a high level of attention to detail and accuracy, resulting in well-informed credit decisions that protected the company''s interests.
Senior DE Underwriter
Primary Residential Mortgage
08.2017 - 02.2019
- Collaborated with processing teams to resolve discrepancies in loan files, ensuring timely completion of applications.
- Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring accurate risk assessments and decisionmaking.
- Examined credit, income and asset documents and reviewed title policy and appraisals.
- Collaborated with quality control teams to identify areas for improvement in underwriting procedures and contributed recommendations for enhanced processes.
- Ensured compliance with federal regulations by conducting in-depth reviews of loan documentation.
- Contributed to increased loan approval rates by collaborating with loan officers on credit decisions.
- Established and maintained positive working relationships with co-workers, staff and external contacts.
- Reviewed appraisal reports for accuracy and consistency, ensuring collateral met established guidelines before approving loans.
- Conducted underwriting assessments according to multiple lender guidelines and requirements.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Senior DE Underwriter
Cross Country Mortgage
05.2017 - 08.2017
- Evaluated loan requests and documents to verify accuracy and completeness.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Evaluated and analyzed loan applications to determine borrower eligibility and risk assessment.
- Conducted thorough reviews of financial documentation to ensure compliance with regulatory standards.
- Conducted thorough income analyses, verifying employment and sources of income for accurate financial assessment of borrowers.
- Utilized advanced underwriting software to assess complex loan scenarios effectively and accurately.
- Enhanced loan application approvals by thoroughly evaluating applicants'' creditworthiness and financial stability.
- Examined credit, income and asset documents and reviewed title policy and appraisals.
- Reviewed appraisal reports for accuracy and consistency, ensuring collateral met established guidelines before approving loans.
- Conducted underwriting assessments according to multiple lender guidelines and requirements.
Senior DE Underwriter
Primary Residential Mortgage
06.2015 - 05.2017
- Provided training and mentorship to junior underwriters, enhancing their skill sets and overall team performance.
- Upheld fair lending practices and met targets for productivity, quality and customer satisfaction.
- Handled complex loan scenarios with a high level of attention to detail and accuracy, resulting in well-informed credit decisions that protected the company''s interests.
- Collaborated with processing teams to resolve discrepancies in loan files, ensuring timely completion of applications.
- Established and maintained positive working relationships with co-workers, staff and external contacts.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Conducted thorough income analyses, verifying employment and sources of income for accurate financial assessment of borrowers.
- Utilized advanced underwriting software to assess complex loan scenarios effectively and accurately.
- Reviewed appraisal reports for accuracy and consistency, ensuring collateral met established guidelines before approving loans.
- Conducted underwriting assessments according to multiple lender guidelines and requirements.
Education
High School Diploma -
Franklin Pierce HS
Tacoma Wa06-1984
No Degree - General
Pierce College
Tacoma WaSkills
- Critical thinking capacity
- Risk assessment
- Analyzing data
- Credit analysis
- Quality assurance
- Client relationship building
- Risk management
- Caseload management
- Loan evaluation
- Property appraisal
- Creditworthiness assessment
- Freddie mac & fannie mae
- Financial analysis
- Net operating income formulation
- Underwriting calculations
- Loan approval & denial
- Teamwork and collaboration
- Multitasking
- Excellent communication
- Attention to detail
- Problem-solving abilities
- Adaptability and flexibility
Section name
- RE: DE Senior Underwriter
- To Whom It May Concern
- Sincerely
- Shelly A Alia
Section name
- RE: DE Senior Underwriter
- To Whom It May Concern
- Sincerely
- Shelly A Alia
Timeline
Property Tax Analyst
Pierce County
04.2024 - Current
Substitute Paraprofessional
Puyallup School District
03.2023 - 04.2024
Senior DE Underwriter
Cross Country Mortgage
03.2019 - 11.2022
Senior DE Underwriter
Primary Residential Mortgage
08.2017 - 02.2019
Senior DE Underwriter
Cross Country Mortgage
05.2017 - 08.2017
Senior DE Underwriter
Primary Residential Mortgage
06.2015 - 05.2017
High School Diploma -
Franklin Pierce HS
No Degree - General
Pierce College
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