Stephanie Perez
plainfield,United States
Summary
Talented Mortgage Loan specialist with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Over 15 years of experience in credit assessment, risk analysis, and loan underwriting. Proven track record of effectively evaluating consumer creditworthiness, mitigating lending risks, and optimizing loan portfolio performance. Skilled in utilizing financial modeling, data analysis, and industry trends to drive strategic decision-making. Excellent communication and relationship-building abilities, able to collaborate with cross-functional teams to ensure compliance with lending policies and regulations. Seeking to leverage expertise to drive business growth and deliver exceptional customer service in a dynamic lending environment.
Overview
15
15
years of professional experience
Work History
Underwriter /Loan Analyst
Wells Fargo
03.2022 - 05.2024
- Completed analytical work in high priority time sensitive project with the focus of ensuring prior customer decisions were accurate.
- Project work experience involving process and procedure rollouts, and presenting to large groups.
- Analyzed home preservation process with specific focus in manual decision calculation and application.
- Research and evaluate complex processes and tasks that may require research into the cause and effect of challenges of procedures
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Made approval and denial recommendations by determining accurate risk levels.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
Underwriting Associate Analyst
Wells Fargo
01.2020 - 03.2022
- Responsible for reviewing, analyzing, approving and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines.
- Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements and other supporting documentation to recommend or approve applicants within decisioning authority levels by way of automated scoring system or traditional underwriting.
- Assist with the calculations and preparations of reports for review. Respond to customer inquiries and credit decisions. Ensure credit files are current, complete and compliant with company standards.
- Contact customers and partners to gather information to make appropriate decisions and explain rationale behind credit decisions.
- Receive direction from leaders and exercise judgement while developing understanding of the underwriting procedures.
- Provide information to team, managers and customers to related inquires
- Served bankers, internal staff and borrowers by offering alternative options and explaining credit decisions.
- Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
- Reviewed credit reports, financial statements and transactions to verify accuracy and completeness.
Loan Specialist 4
Wells Fargo
06.2009 - 01.2020
- Provided quality loan processing in a paperless work environment, reviewing customer information for adherence to underwriting standards and ensuring completeness of underwriting submission.
- Maintain positive working relationships with clients, peers and managers, as well as with realtors, builders, referral sources and other internal partners.
- Act as a liaison between clients, loan o icer and/or realtor, underwriters, closers and other internal partners to collect necessary documentation, provide current loan status and to close loans on time.
- Successful in using critical thinking and analytical skills to process loans.
- Demonstrate the ability to work on the loan origination system. Meet monthly performance metrics (productivity/quality) and satisfactory client delight customer survey scores.
- Ability to manage time effectively. Make judgments as to whether is "reasonable" even if it meets published guidelines surface.
- If it does not appear reasonable, must escalate for further evaluation.
- Document any potential issue or concerns regarding loan reasonableness or potential fraud/misrepresentation and escalate to next level manager or proper company channels.
- Maintain knowledge of regulatory changes, external and internal compliance requirements and investor guidelines to insure loan salability.
Education
General Education -
Romeoville High School
06.1999
Skills
- Attention to Detail
- Active Listening
- Communication
- Customer Service
- Problem Solving
- Time Management
- Teamwork
- Organizational
- Computer Programs
- Creditworthiness assessment
- Caseload Management
- Analyzing data
- Managing risk
Timeline
Underwriter /Loan Analyst
Wells Fargo
03.2022 - 05.2024
Underwriting Associate Analyst
Wells Fargo
01.2020 - 03.2022
Loan Specialist 4
Wells Fargo
06.2009 - 01.2020
General Education -
Romeoville High School
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