Stella Franceschini
Pleasant Prairie,WI
Summary
Dedicated professional focused on teamwork, efficiency, and achievement. Goal-oriented multi-tasker with strong analytical skills. Experienced at working under tight deadlines while maintaining professionalism and integrity.
Overview
13
13
years of professional experience
Work History
Quality Control Underwriter
LendSure Mortgage Corporation
San Diego, CA
11.2021 - 12.2022
- Performed pre-funding quality control reviews of non-QM loans
- Performed final pre-doc reviews & authorized clearance to proceed to doc
- Evaluated debt ratio, loan-to-value ratios, credit scores and various other factors to ensure underwriting accuracy
- Analyzed credit, income, title documents, appraisals, purchase contracts and compliance during review process
Underwriter II
TCF National Bank
Kenosha, WI
02.2020 - 10.2021
- Reviewed and analyzed credit reports, income, title documents, appraisals, and other pertinent documentation during underwriting process
- Reviewed and specified loan conditions as necessary
- Ensured compliance with regulatory standards and company policies and guidelines
- Achieved 100% quality with no errors from Audit Committee
Consumer Underwriting Specialist
Park Bank
Brookfield, WI
06.2013 - 12.2019
- Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions
- Approved, declined or counter-offered loans up to $3 Million
- Monitored and implemented changes within lending legislation and regulation to ensure company compliance
- Increased customer satisfaction ratings by 25% by quickly resolving problems
- Participated in multiple projects to improve underwriting procedures
- Achieved 100% quality with no audit findings from Quality Control
Mortgage Loan Processor
Bank Mutual
Brown Deer, WI
05.2009 - 06.2013
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Verified credit histories, income and assets documentation for each applicant.
- Reviewed financial statements and contacted institutions and customers to clarify details
- Handled any conditions sent from underwriting departments
- Prepared files for final clear-to-close and submitted to closing department
- Prepared 45-50 loans monthly for underwriting consistent with internal policies and investor guidelines
Education
Bachelor of Science - Business Management
University of Wisconsin - Parkside
Kenosha, WI05.2009
Skills
- Proven ability to analyze and underwrite complex loan structure including self-employed borrowers, investment properties and construction loans
- Strong cash flow analysis skills reviewing complex Personal, Business Tax Return, P-L statements and Financial statements
- Extensive knowledge of all standard mortgage loan documentation including appraisals, title report, income verification, purchase contracts, lease agreements, warranty deeds, etc
- Understanding of rate sheet and product profile/pricing/criteria in relation to credit decisions
- Underwriting experience with loan origination software Desktop Underwriter and Loan Prospector
- Ability to work in high volume environment with minimal supervision, while maintaining production service levels
- Customer service oriented
- Adapts easily to new concepts and responsibility
- Proficient in Microsoft Word, Excel and Power Point
- Enthusiastic and positive attitude
Timeline
Quality Control Underwriter
LendSure Mortgage Corporation
11.2021 - 12.2022
Underwriter II
TCF National Bank
02.2020 - 10.2021
Consumer Underwriting Specialist
Park Bank
06.2013 - 12.2019
Mortgage Loan Processor
Bank Mutual
05.2009 - 06.2013
Bachelor of Science - Business Management
University of Wisconsin - Parkside