SHEREEN MUNOZ
Clarksboro,NJ
Summary
Experienced Sr. mortgage loan underwriter with over 20 years of experience in mortgage/banking/financial industry. Excellent reputation for resolving problems and improving customer satisfaction.
Overview
21
21
years of professional experience
Work History
Loan Underwriter IV
Wells Fargo, Consumer
Philadelphia, PA
08.2012 - 01.2023
- Performed credit risk analysis for conventional home mortgage and/private banking partners and managed average pipeline of 30+ loans per month.
- Review of wage earner, self-employment, credit, asset and collateral analysis to ensure accuracy and completeness
- Ensuring documents are consistent and uphold to company and industry guidelines
- Analyzed inconsistencies within loan application and documentation to mitigate fraud risk.
- Writing overall loan summary outlining risk and offsets to support final decision
- Contacting internal/external partners and customers to gather information to make appropriate loan decision
- Demonstrated respect, friendliness and willingness to help wherever needed
- Used critical thinking to break down problems, evaluate solutions and make decisions
- Proved successful working within tight deadlines and fast-paced atmosphere
MHA Modification Underwriter
Bank of America
Wilmington , DE
03.2011 - 08.2012
- Review applications to determine eligibility for loan modification
- Review credit, income, assets and collateral documents make decision on modification request
- Improved operations through consistent hard work and dedication
- Demonstrated respect, friendliness and willingness to help wherever needed
Home Service Specialist
Bank Of America
Wilmington, DE
01.2010 - 03.2011
- Process refinance applications
- Manage average pipeline of 70+ loans per month
- Gather credit, income and asset documents for submission to underwriting
- Communicate with customers, internal partners, and 3rd party affiliates to work in getting loan cleared to close.
- Set up and completed loan submission packages
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor
- Completed denial and cancellation procedures on applicable files
- Upheld complete confidentiality of all submitted information according to release guidelines
- Prepared file for final clear-to-close by branch management
- Reviewed financial statements and contacted institutions and customers to clarify details
- Handled any conditions sent from underwriting departments
- Received on-going, comprehensive training on home loan products and mortgage process
Securities Processing Specialist
Citigroup, Private Bank
New Castle, DE
01.2008 - 01.2010
- Manage asset portfolio of 40+ distressed assets
- Reconcile and clear daily cash breaks
- Correspond with administrative agents
- Booking payments i.e
- Borrowings, interest, principal reductions, and pay downs
- Maintaining daily and monthly reports to keep track of loan positions
- Facilitate funding process on Buy transactions, and confirming receipt of funds on all Sell transactions
- Ensuring settlement of trades
Mortgage Loan Processor
PHH Mortgage
Mount Laurel, NJ
01.2002 - 01.2008
- Processed purchase and refinance mortgage applications for multiply business groups such as, , Coldwell Banker, PNC, Merrill Lynch specialty team and PHH portfolio clients
- Managed average pipeline of 90+ loans per month, while corresponded with financial advisors, real estate agents, title companies and attorneys until funding of loan
- Reviewed credit, income, asset and property documents to move loan to underwriting for review and loan decision.
Education
Associate of Art Degree - Visual Merchandising
Art Institute of Philadelphia
New Philadelphia, PA1998
Skills
- Application Verification
- Policy and Procedure Adherence
- Desktop Underwriter
- Collateral Valuation
- Debt Ratios
- Customer Satisfaction
- Review Processes
- Client Relationships
- Microsoft Office
- Credit Application Review
- Time Management
- Product Knowledge
- Analyze Financial Histories
- Oral and Written Comprehension
Timeline
Loan Underwriter IV
Wells Fargo, Consumer
08.2012 - 01.2023
MHA Modification Underwriter
Bank of America
03.2011 - 08.2012
Home Service Specialist
Bank Of America
01.2010 - 03.2011
Securities Processing Specialist
Citigroup, Private Bank
01.2008 - 01.2010
Mortgage Loan Processor
PHH Mortgage
01.2002 - 01.2008
Associate of Art Degree - Visual Merchandising
Art Institute of Philadelphia
Similar Profiles
Derek WyszynskiDerek Wyszynski
Consumer Credit Sr. Associate at Wells Fargo Consumer LendingConsumer Credit Sr. Associate at Wells Fargo Consumer Lending
VICKIE L. WELLSVICKIE L. WELLS
Senior Business Execution Administrator/ Business Support Associate 2 at Wells Fargo Consumer Small Business BankingSenior Business Execution Administrator/ Business Support Associate 2 at Wells Fargo Consumer Small Business Banking
Kim F. HarbisonKim F. Harbison
Underwriting Director, Senior Vice President at Wells Fargo, Cards & Merchant ServicesUnderwriting Director, Senior Vice President at Wells Fargo, Cards & Merchant Services
Shelley FranzShelley Franz
NJ Southern Regional Nurse Manager at Rutgers University Correctional Health CareNJ Southern Regional Nurse Manager at Rutgers University Correctional Health Care
Ka Yee LiuKa Yee Liu
Cashier at Wild Ginger RestaurantCashier at Wild Ginger Restaurant