Summary
Overview
Work History
Education
Skills
Security Clearance
References
Timeline
Generic

Sirena Harmon

Newburgh,USA

Summary

Results-driven Underwriting Manager with a proven track record in enhancing productivity and efficiency. Specializes in risk assessment, regulatory compliance, and financial analysis, ensuring all underwriting activities support organizational objectives. Demonstrates strong leadership, communication, and problem-solving skills to effectively navigate complex scenarios and drive team success. Committed to embracing new challenges and fostering team growth.

Overview

23
23
years of professional experience

Work History

Mortgage Underwriting Manager

U.S. Bank
Owensboro, KY
09.2018 - 06.2023
  • Managed daily operations within the underwriting team.
  • Assisted underwriters by reviewing applications and identifying key financial risk factors.
  • Maintained adherence to compliance guidelines set by Fannie Mae, Freddie Mac, Ginnie Mae, VA Department, and governing bodies.
  • Resolved questions raised by various departments about loan decisions efficiently.
  • Assisted in the development of training materials for new hire underwriters.
  • Maintained up-to-date knowledge of industry regulations, standards, and changes in laws affecting insurance products.
  • Conducted accurate and thorough risk selection with proper classification of insureds.
  • Resolved any issues that may arise during the underwriting process.
  • Monitored progress on individual cases to ensure compliance with policy guidelines.
  • Participated in regular meetings with senior leadership teams to discuss current market trends.
  • Prepared periodic reports on application status updates for management review.
  • Managed a team of underwriters to ensure accurate and timely processing of applications.

Underwriter II

U.S. Bank
Owensboro, KY
08.2016 - 09.2018
  • Secured promotion to Underwriter II following successful acquisition of VA lending authority.
  • I successfully completed the LSAM Computer Based training for the Veteran Affairs, earning final SAR approval
  • My SAR ID was #022707
  • Evaluated credit bureau data, appraisal reports, title commitments, and borrower details for approval decisions.
  • Ensured compliance with bank representatives' guidelines, governmental regulations, and selling agency standards.
  • Mastered automated underwriting systems to streamline processes.
  • Prepared and presented reports on loan activities and performance to senior management.
  • Monitored loan portfolio performance to identify and mitigate potential risks.
  • Collaborated with loan originators and processors to gather necessary documentation.
  • Recommended adjustments to loan terms or conditions based on individual circumstances.
  • Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
  • Provided guidance on underwriting procedures to junior staff members.
  • Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
  • Managed workload to ensure timely and accurate processing of loan applications.
  • Participated in regular training sessions regarding updates in relevant laws or regulations.

Regional Operations Manager

U.S. Bank
Owensboro, KY
09.2010 - 08.2016
  • Performed regional operations management tasks alongside additional human resources responsibilities.
  • Established monthly performance forecasts and guided team efforts to achieve them.
  • Motivated team to consistently achieve monthly sales forecasts while fostering positive morale.
  • Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
  • Monitored progress by establishing plans, budgets and measuring results.
  • Monitored performance metrics of regional operations teams, identified areas for improvement, and developed strategies to maximize productivity.
  • Developed and implemented policies and procedures to improve operational efficiency.
  • Mitigated business risks by working closely with staff members and assessing performance.
  • Delegated work to staff, setting priorities and goals.

Processing Team Leader

U.S. Bank
Owensboro, KY
05.2008 - 08.2010
  • Supervised mortgage loan processing team to ensure efficiency.
  • Gained understanding of organizational standards and protocols.
  • Trained staff to enhance their skills and capabilities.
  • Reviewed completed work to verify consistency, quality, and conformance.
  • Promoted to leadership position in recognition of strong work ethic and provided exceptional customer service.
  • Resolved customer complaints and issues promptly, ensuring high levels of satisfaction.
  • Completed daily quality assurance duties to provide feedback for improvements.
  • Reviewed customer service surveys and implemented strategies to improve customer satisfaction ratings.
  • Conducted regular performance evaluations, providing constructive feedback and personalized coaching.

Mortgage Loan Processor

U.S. Bank Branch
Owensboro, KY
12.2000 - 08.2008
  • Gathered necessary information to finalize application packages.
  • Engaged with title companies, appraisers, and underwriting teams to ensure accurate and timely processing.
  • Ensured accuracy in loan application reviews.
  • Performed credit analysis by collecting and evaluating various types of financial data.
  • Determined required documentation for compliance with banking, governmental, and investment requirements.
  • Coordinated with customers, staff, realtors, brokers, and title companies to gather required documentation.
  • Monitored loan processing timelines to meet closing deadlines.
  • Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
  • Collected required documentation from clients, such as proof of income and employment verification.
  • Created and completed loan submission packages.
  • Discussed loan needs and financial histories with clients and conveyed information regarding application processes.

Education

High School Diploma - General High School Curriculum

F.J. Reitz High School
Evansville, IN
05-1997

Occupational Therapy - 2 Years of College or a Technical or Vocational School

University Of Southern Indiana
evansville, IN

Skills

  • High-Volume Production Efficiency
  • Staff management
  • Staff training and development
  • Decision-making
  • Goal setting
  • Work prioritization
  • Time management
  • Underwriting guidelines
  • Credit analysis
  • Task prioritization
  • Fraud detection
  • Problem-solving abilities
  • Manage risk
  • Effective communication
  • Team collaboration
  • Risk assessment
  • Written communication
  • Time management abilities
  • Multitasking
  • Reliability
  • Analyzing data

Security Clearance

No Clearance

References

References available upon request.

Timeline

Mortgage Underwriting Manager

U.S. Bank
09.2018 - 06.2023

Underwriter II

U.S. Bank
08.2016 - 09.2018

Regional Operations Manager

U.S. Bank
09.2010 - 08.2016

Processing Team Leader

U.S. Bank
05.2008 - 08.2010

Mortgage Loan Processor

U.S. Bank Branch
12.2000 - 08.2008

High School Diploma - General High School Curriculum

F.J. Reitz High School

Occupational Therapy - 2 Years of College or a Technical or Vocational School

University Of Southern Indiana

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Sirena Harmon