STEVE PAULE
Eureka,United States
Summary
An accomplished mortgage professional with over 27 years of experience seeking to leverage a proven track record of making sound lending decisions, mitigating risk, and ensuring compliance within the mortgage industry.
Overview
19
19
years of professional experience
Work History
Home Equity Underwriter
Citibank, Division of Citimortgage
02.2012 - 12.2023
- Reduced risk exposure for the company by conducting thorough analyses of applicants" financial data and credit histories
- Enhanced policyholder satisfaction by promptly and accurately reviewing, evaluating, and underwriting home loan applications
- Streamlined underwriting processes with the implementation of new software tools and automation techniques.
- Managed a portfolio of 75 home equity mortgage applications, ensuring accuracy and compliance with regulatory requirements
- Collaborated with loan officers, processors, and management to streamline processes and improve efficiency
- Mentored and trained approximately 30 processors and underwriters on product/program and system enhancing the team's overall performance
- Consistently exceeded monthly average on loan decisions
- Maintained Top producer in top 10 out of 75 underwriters on a yearly basis
- Utilized ACAPS underwriting system...
Junior Underwriter/Conventional and FHA Loan Processor
Bank of America, Mortgage Division
02.2005 - 02.2012
- Conducted extensive borrower background checks, verifying employment history, creditworthiness, and financial stability for informed lending decisions.
- Negotiated favorable rates and loan structures with sales and borrowers
- Streamlined loan application process by implementing efficient documentation and data entry procedures.
- Reduced processing time for loan applications by maintaining organized files and promptly responded to inquiries.
- Ensured accuracy of loan documents by thoroughly reviewing all application materials and identifying discrepancies.
- Collaborated with underwriters to expedite approval decisions, resulting in improved customer satisfaction.
- Managed approximately 30 incoming calls and emails per day from customers
- Utilized LPS and EDGE underwriting systems.
Education
Criminal Justice -
University of Missouri St. Louis
05.2001
Skills
- Trend Analysis
- Risk Assessment
- Mortgage Regulations
- Compliance
- Financial Analysis
- Communication and Negotiation
- Team Leadership and Training
- Quality Assurance
- Attention to Detail
Personal Information
Title: MORTGAGE UNDERWRITER
Timeline
Home Equity Underwriter
Citibank, Division of Citimortgage
02.2012 - 12.2023
Junior Underwriter/Conventional and FHA Loan Processor
Bank of America, Mortgage Division
02.2005 - 02.2012
Criminal Justice -
University of Missouri St. Louis