Highly motivated employee with a desire to take on new challenges. Strong work ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
12
12
years of professional experience
Work History
Administrative Assistant
TSC Group LLC.
Loxahatchee Groves, FL
07.2022 - Current
Facilitate effective communication and collaboration between contractors and clients, serving as a liaison to ensure seamless project execution.
Process and submit all construction permit applications to multiple counties.
Assemble bid packages
Managed payroll for all employees using Quickbooks, ensuring accurate and timely compensation.
Senior Underwriter
Leader Bank N.A
Boston, MA
03.2021 - 07.2022
Proficiently Underwrote Portfolio, Community Banks, CRA, Secondary Market Mortgages, and Home Equity Lines of Credit for borrowers with complex profiles such as entrepreneurs or self-employed.
Reviewed, evaluated, approved, and declined high-risk mortgage loan applications for compliance with company policies and procedures.
Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns, and other related documents.
Served as an excellent resource to Loan Officers and Account Executives on product knowledge, industry updates, and technology.
Senior Mortgage Underwriter
Boston Private Bank & Trust Company
Boston, MA
03.2014 - 03.2021
Proficiently underwrote diverse portfolios, Community Reinvestment Act (CRA)loans, Secondary Market mortgages, and home equity lines of credit for borrowers with complex profiles such as entrepreneurs or self-employed
Maintained an extensive understanding of underwriting, Fannie Mae, Freddie Mac, and HUD guidelines, ensuring meticulous reviews with accurate credit analysis and documentation for all loans.
Collaborated with the CRA team to enhance processes and structure CRA loans, showcasing a commitment to ongoing improvement.
Acted as a valuable resource for Loan Officers and Account Executives, offering insights on product knowledge, industry updates and technology advancements.
Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
Loan Processor/Prefunder
Boston Private Bank & Trust
02.2012 - 02.2014
Performed thorough pre-funding reviews for residential portfolio and secondary market loans, ensuring strict adherence to quality standards.
Resolved underwriting suspense items to facilitate time documentation for loan sales.
Conducted timely review and communication of Secondary Market QC reports, ensuring effective resolution of remediation needs.
Successfully coordinated the onboarding of a new appraisal management vendor.
Analyzed loan applications and supporting documents to determine eligibility for approval.
Reviewed credit reports and financial information to evaluate the creditworthiness of applicants.
Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
Process portfolio and secondary market loan files in compliance with State and Federal mortgage lending regulations in preparation for closing.
Education
Bachelor of Science - Business Administration Banking & Finance
New England College of Business
Certification in Accounting -
North Tech
Skills
Quality control
Proficient with Desk Top Underwriting
Microsoft Office Suite, proficient in Excell & Powerpoint
Proficient in Encompass, Fiserv, and Quickbooks
Analyzing data
Managing risk
Influencing business growth
Developing policies
Problem resolution
Critical thinking
Timeline
Administrative Assistant
TSC Group LLC.
07.2022 - Current
Senior Underwriter
Leader Bank N.A
03.2021 - 07.2022
Senior Mortgage Underwriter
Boston Private Bank & Trust Company
03.2014 - 03.2021
Loan Processor/Prefunder
Boston Private Bank & Trust
02.2012 - 02.2014
Bachelor of Science - Business Administration Banking & Finance
New England College of Business
Certification in Accounting -
North Tech
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