Stephanie Towns
Saint Johns,Florida
Summary
Hardworking Underwriter with over 25 years of experience in Conventional, FHA, and VA mortgage lending. Excellent reputation for resolving problems and improving customer satisfaction. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Seeking a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management, and problem-solving skills.
Overview
26
26
years of professional experience
5
5
Certificates
Work History
Email Marketing Specialist
T2 Connect
01.2019 - Current
- Collaborated with the product development team to effectively modernize and update promotions.
- Tracked key metrics and developed spreadsheets and data models.
- Assisted in the migration of large-scale client to new Email Marketing Platform
- Executed Email Marketing Campaigns for multiple clients including content development, copywriting, segmentation, and deployment.
- Analyzed data and prepare monthly performance reports for Senior Management.
- Assisted in the development of A/B testing for email communications and providing analytical results to continually improve engagement.
- Managed ticketing system to respond to client questions
Underwriting Manager
PennyMac Loan Services LLC
11.2019 - 10.2022
- Lead an underwriting team of 11 and provided mentoring to achieve personal and department production and quality goals. The team was ranked #1 in both quality and production for 12 months straight.
- Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Proved successful working within tight deadlines and a fast-paced atmosphere.
- Offered friendly and efficient service to customers, and handled challenging situations with ease.
- Performed duties in accordance with applicable standards, policies, and regulatory guidelines to promote a safe working environment.
- Review Conventional, FHA, VA, Closed end 2nd mortgages, and defended lenders from VA, FHA, FNMA, FHLMC, and MI claims.
- Identified portfolio risks resulting from clients' underlying business practices, underwriting investigations, or fraud exposure.
- Evaluated debt ratios, loan-to-value ratios, credit scores property valuations, and various other factors when making underwriting decisions.
Senior Underwriter
Member First Mortgage
01.2019 - 05.2019
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Evaluated the performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Verified the integrity of applicants' information to minimize fraud.
- 100% mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Handled customer complaints with relative ease by conducting research, listening carefully, and taking appropriate action
- Proactively identified solutions for customers experiencing credit issues.
Senior Mortgage Loan Underwriter
Towne Mortgage Company
11.2017 - 01.2019
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Evaluated the performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Verified the integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Proactively identified solutions for customers experiencing credit issues.
Senior Mortgage Loan Underwriter
Homeowners Mortgage Enterprises
04.2016 - 11.2017
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- 100% mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
Mortgage Underwriter
Bank Of America
06.2007 - 04.2016
- Top 5% production, top 1% Quality Ranking
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Maintained 100% mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Checked personal and team calculations to validate information and underwriting decisions.
- Monitored pipelines to track and log status of loans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Explained very technical financial information to applicants in easy to understand language.
Mortgage Underwriter
Countrywide Home Loans
07.2005 - 06.2007
- Top 10% national ranking in production, top 1% in quality.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Maintained 100% mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
Loan Processor 97-2001, Underwriter 2001-2005
Cendant Mortgage
09.1997 - 07.2005
- Top 5% production and quality ranking for 3 years, which lead to promotion to Underwriting.
- Assigned to High Net Worth / High profile client team.
- Maintained 100% mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Set up and completed loan submission packages.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Coordinated closing process with attorneys, title companies and government clerks.
- Completed denial and cancellation procedures on applicable files.
Education
No Degree - Business
University of North Florida
Jacksonville, FLAssociate of Arts - Business
Lake City Community College
Lake City, FL08.1996
Skills
- Industry Trends
- Employee Performance Evaluations
- Customer Loyalty
- Loan Applications
- Underwriting Understanding
- Appraisal Reports
- Motivational Leadership
- Providing Feedback
- Mortgage Lending
- Activities Management
- Client Satisfaction
- Daily Reports
Certification
- Licensed DE Underwriter - 15 Years
- Licensed VA LAPP / SAR Undewriter - 15 Years
- Torch Leadership Academy, Pennymac Mortgage - 04/2022
- Leading Through Change, ARE Manager Academy - 07/2022
- Building Capacity Among Teams, ARE Manager Academy - 06/2022
Timeline
Underwriting Manager
PennyMac Loan Services LLC
11.2019 - 10.2022
Email Marketing Specialist
T2 Connect
01.2019 - Current
Senior Underwriter
Member First Mortgage
01.2019 - 05.2019
Senior Mortgage Loan Underwriter
Towne Mortgage Company
11.2017 - 01.2019
Senior Mortgage Loan Underwriter
Homeowners Mortgage Enterprises
04.2016 - 11.2017
Mortgage Underwriter
Bank Of America
06.2007 - 04.2016
Mortgage Underwriter
Countrywide Home Loans
07.2005 - 06.2007
Loan Processor 97-2001, Underwriter 2001-2005
Cendant Mortgage
09.1997 - 07.2005
No Degree - Business
University of North Florida
Associate of Arts - Business
Lake City Community College
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