Sue Christopherson
Mortgage Loan Underwriter
Columbia,TN
Summary
Talented Mortgage Underwriter with proven track record of providing financial services to clients while managing complex loan transactions. Offers great time management and task prioritization skills. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 17 years of reviewing credit histories, analyzing income and assets and collateral. Maintains a consistent pipeline with quick turnaround times and skilled handling of each customer's needs. I am an organized and dependable candidate that is successful at managing multiple priorities with a positive attitude. Willing to take on added responsibilities to meet team goals.
Overview
22
22
years of professional experience
Work History
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
Remote, Remote
11.2005 - Current
- Verified integrity of applicants' information to minimize fraud.
- Checked personal and team calculations to validate information and underwriting decisions.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained high work volume and tight deadlines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Developed and maintained relationships with customers, lenders and other third parties.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Lending Authority to $3,000,000
- Evaluated customer data to identify and prevent fraudulent activities.
- Reviewed transactions and receipts to identify any suspicious activity.
- Worked well in a team setting, providing support and guidance.
- Paid attention to detail while completing assignments.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Ability to make decisions and justify the decisions with sound and logical reasoning. Attention to detail.
Mortgage Loan Processor
Bank Of America
11.2001 - 11.2005
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Set up and completed loan submission packages.
Education
GED -
Northgate High School
Walnut Creek, CASkills
- Customer Interaction
- Jumbo Loans
- Residual Incomes
- Analytical and Critical Thinking
- Appraisal Reviews
- Debt-To-Income Ratios
- Loan Evaluations
- Asset Statements
- Program Requirements
- Loan Restructuring
- Problem-Solving Expertise
- Audit Procedures
- Loan Product Knowledge
- Customer Satisfaction
- Variance and Risk Analysis
- Customer Experience
- Oral and Written Comprehension
- Data Security
- Fraud Prevention and Detection
- 10-Key Data Entry
- Underwriting Regulations
- Strategic Risk Management
- NMLS Registration
Timeline
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
11.2005 - Current
Mortgage Loan Processor
Bank Of America
11.2001 - 11.2005
GED -
Northgate High School
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