Sondra Gillham
Greenville,SC
Summary
Experienced professional focused on meeting or exceeding objectives seeking Data Analyst, Mortgage Underwriter, Credit Analyst position. Offers advanced training and knowledge of industry best practices. Recognized for leadership, planning abilities and clear, direct communication style. Results-driven professional seeking position as Data Analyst, Mortgage Underwriter, Credit Analyst. Focused on performance and flexible with specific needs of different assignments. Collaborates professionally with individuals from broad array of backgrounds and cultures.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Underwriter
Blue Spot Home Loans (aka Cherry Creek Mortgage)
Greenwood Village, CO
03.2020 - 05.2022
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Review mortgages and defended lenders from FNMA, FHLMC and MI claims.
Sr. Due Dilig Pre-Close Ad Post Close Aalyst
Credit Risk Solutions
Highlands Ranch, CO
01.2016 - 09.2019
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Carried out day-day-day duties accurately and efficiently.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
Underwriter
Lender Live
Denver, CO
09.2015 - 01.2019
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Transactional Analyst
Redwood Trust
Englewood, CO
09.2014 - 06.2015
- Responded to customer concerns and questions on daily basis.
- Executed billing tasks and recorded information in company databases.
- Used data entry skills to accurately document and input statements.
- Identified and resolved problems through root cause analysis and research.
- Validated results and performed quality assurance to assess accuracy of data.
- Performed system analysis, documentation, testing, implementation and user support for platform transitions.
- Analyzed program data to provide input for key decision making and strategic planning.
- Maximized team knowledge and productivity by training, monitoring and directing employees in application of best practices and regulatory protocols.
- Investigated and addressed system issues to enhance usability and improve functionality.
Forensic Analyst
Stewart Lending
Englewood, CO
10.2013 - 08.2014
- Reviewed forensic analysts' reports for technical merit.
- Sifted and sorted through evidence and recorded findings.
- Attended and examined scenes of crimes.
- Carried out tests using scientific techniques and processes.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Sr. Underwriter
Commerce Home Loans
Englewood, CO
01.2012 - 08.2013
- Assisted senior executives with final loan closings and underwriting, coordination and submission of high-profile loan conversion packages.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Education
No Degree - Real Estate Law/Finance
Metro State College
Denver, COHigh School Diploma -
Broomfield High School
Broomfield, CO06.2000
Skills
- Influencing Business Growth
- Customer Proposals
- Customer Feedback
- Strategic Financial Planning
- Managing Risk
- Underwriting Understanding
- Property Appraisals
- Loss Protection
- Customer Satisfaction
- Automated Underwriting Systems
- Desktop Underwriter
- Community Reinvestment Act
- Analyzing Data
Certification
- FHA CHUMS approved
Timeline
Underwriter
Blue Spot Home Loans (aka Cherry Creek Mortgage)
03.2020 - 05.2022
Sr. Due Dilig Pre-Close Ad Post Close Aalyst
Credit Risk Solutions
01.2016 - 09.2019
Underwriter
Lender Live
09.2015 - 01.2019
Transactional Analyst
Redwood Trust
09.2014 - 06.2015
Forensic Analyst
Stewart Lending
10.2013 - 08.2014
Sr. Underwriter
Commerce Home Loans
01.2012 - 08.2013
No Degree - Real Estate Law/Finance
Metro State College
High School Diploma -
Broomfield High School
- FHA CHUMS approved
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