Summary
Overview
Work History
Education
Skills
Timeline
Additional Information
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Susan Belser

Philadelphia,PA

Summary

As a skilled Underwriter with a solid background in financial services, I am adept at evaluating risk levels for lenders. My robust problem-solving and decision-making skills allow me to render informed decisions. I am diligent, strictly following underwriting and regulatory standards. My area of expertise includes the efficient processing of mortgages and loans. Furthermore, I am committed to keeping up-to-date with evolving market trends..

Overview

20
20
years of professional experience

Work History

Mortgage Analyst

Wells Fargo Home Mortgage
01.2023 - 05.2024
  • Analyzed loan applications, credit reports, appraisals, and key risk indicators to ensure sound loan decisions were made.
  • Performed compliance review processes to verify adherence to regulatory guidelines.
  • Identified errors and mitigated risks to guarantee quality assurance.
  • Documented and reported investigation findings and prepared case files with the required supporting documentation.
  • Improved loan processing efficiency by implementing streamlined workflows and enhancing communication between departments.

Retail Mortgage Underwriter

Wells Fargo Home Mortgage
02.2020 - 01.2023
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Collaborated with team members to drive deals to successful funding and closure.
  • Identified potential fraud risks through meticulous evaluation of application materials, thereby protecting lenders and homebuyers from possible losses.
  • Analyzed and verified applicants' income, assets, and credit history to ensure compliance with underwriting guidelines.
  • Reviewed appraisals and title documents to ensure total accuracy and completeness.

Senior Consumer Underwriter

Wells Fargo Home Mortgage
05.2016 - 12.2018
  • Calculated relevant ratios to assess affordability,
  • Delivered outstanding customer service by promptly addressing inquiries and providing detailed explanations of underwriting decisions.
  • Handled 25-30 inbound calls daily from various business lines and customers to convey underwriting decisions and assist with credit card inquiries.
  • Detected potential risks and suggested suitable mitigation strategies, leading to a 10% decrease in the company's losses.
  • Supported the review, approval, or rejection of new or renewed business after thorough evaluation of all pertinent information.
  • Resolved application inconsistencies to ensure accuracy and adherence to applicable regulations.

Quality Underwriter

Wells Fargo Home Mortgage
11.2011 - 08.2015
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
  • Streamlined underwriting processes by creating standardized templates for evaluating applicant qualifications.

Loss Mitigation Underwriter

Wells Fargo Home Mortgage
11.2004 - 11.2011
  • Managed a portfolio of delinquent loans, effectively prioritizing cases to maximize efficiency and impact on recovery efforts.
  • Reviewed and analyzed complex borrower financial situations, determining appropriate workout options based on individual circumstances.
  • Assisted in developing internal policies, procedures, guidelines related to Loss Mitigation Underwriting function adhering to regulatory requirements.

Education

Bachelor of Science - Systems Organization And Management

Hampton University
Hampton, VA
05.2025

Skills

  • Microsoft Excel proficiency
  • Conventional Underwriting
  • Risk Control Self Assessment
  • Scrum Methodology
  • Credit Analysis
  • Risk Mitigation
  • Quality Control
  • Loss Mitigation

Timeline

Mortgage Analyst

Wells Fargo Home Mortgage
01.2023 - 05.2024

Retail Mortgage Underwriter

Wells Fargo Home Mortgage
02.2020 - 01.2023

Senior Consumer Underwriter

Wells Fargo Home Mortgage
05.2016 - 12.2018

Quality Underwriter

Wells Fargo Home Mortgage
11.2011 - 08.2015

Loss Mitigation Underwriter

Wells Fargo Home Mortgage
11.2004 - 11.2011

Bachelor of Science - Systems Organization And Management

Hampton University

Additional Information

Scrum Boot Camp completed 2/2024

Risk Control Self Assessment completed 2/2024

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Susan Belser