Summary
Overview
Work History
Education
Skills
Timeline
Generic

Susan Murphey

Addison

Summary

Skilled at reviewing documents and making accurate decisions. Bringing firm grasp of risk assessments, hazard recognition and acceptance criteria. Background includes training and mentoring new underwriters on procedures, policies and strategies for success. Dedicated to improving team productivity and helping each person achieve objectives.

Overview

23
23
years of professional experience

Work History

Onboarding Specialist

RaceTrac
04.2023 - 01.2024
  • Enhanced employee engagement by designing and implementing comprehensive onboarding programs.
  • Streamlined new hire processes by developing efficient task workflows and checklists.
  • Reduced time-to-productivity for new employees through targeted training sessions and mentorship initiatives.
  • Improved retention rates by establishing strong relationships with new hires during their onboarding period.

Sr. Underwriter Post Closing Resolution

Planet Home Lending
04.2020 - 10.2022
  • Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
  • Streamlined underwriting processes for increased efficiency and faster turnaround times.
  • Collaborated with sales teams to develop tailored insurance solutions for clients, resulting in higher customer satisfaction rates.
  • Developed comprehensive underwriting guidelines that reduced inconsistencies and improved overall portfolio quality.
  • Conducted regular audits of underwriting files, ensuring compliance with regulatory requirements and internal policies.
  • Promoted cross-functional collaboration between departments for better risk management practices and streamlined workflows.
  • Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Assessed and advised on loan applications utilizing in-depth underwriting process understanding.

Mortgage Loan Auditor

The Compliance Group
08.2019 - 04.2020
  • Enhanced mortgage loan audit efficiency by streamlining internal processes and implementing best practices.
  • Achieved timely completion of all assigned audits, ensuring accurate evaluation of loan documentation and compliance with regulations.
  • Collaborated with underwriting and processing teams to identify areas for improvement in the loan origination process.
  • Assisted management in developing training materials for new auditors, improving the onboarding process and reducing ramp-up time.
  • Conducted comprehensive risk assessments to mitigate potential losses while maintaining adherence to company policies and industry guidelines.

Sr. Underwriting Post Closing Resolution

Everett Financial Inc., DBA Supreme Lending
04.2013 - 07.2019
  • Enhanced audit accuracy by meticulously reviewing loan documents and verifying compliance with industry regulations.
  • Streamlined post-closing procedures for increased efficiency by identifying areas of improvement and implementing effective solutions.
  • Ensured timely completion of audits by effectively prioritizing tasks and managing time-sensitive projects.
  • Maintained accurate records of audit findings, providing valuable data to support process improvements and risk mitigation strategies.
  • Collaborated with loan officers and underwriters to address discrepancies in documentation, facilitating smooth resolution of outstanding issues.
  • Reduced the number of late or missing documents through diligent tracking and follow-up with responsible parties.
  • Conducted thorough investigations into potential fraud or misrepresentation, safeguarding company assets from financial loss.
  • Supported departmental goals by assisting team members in completing audit assignments as needed, fostering a collaborative work environment.

FHA Underwriter

SWBC Mortgage
11.2012 - 02.2013
  • Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
  • Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
  • Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
  • Collaborated with sales teams to develop competitive pricing strategies for new products, increasing market share.
  • Streamlined underwriting processes by creating standardized templates for evaluating applicant qualifications.
  • Increased customer satisfaction through timely communication and efficient handling of loan applications.
  • Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
  • Mentored junior underwriters, providing guidance on best practices and improving overall team performance.

Loan Processor/FHA DE Underwriter

Nationstar Mortgage DBA Mr. Cooper
11.2008 - 11.2012
  • Improved loan processing efficiency by streamlining documentation and communication procedures.
  • Reduced processing time for loan applications by implementing an organized filing system.
  • Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
  • Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
  • Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
  • Supported business growth by cultivating partnerships with local realtors, builders, and financial professionals.
  • Streamlined workflow processes for increased productivity within the team while maintaining high quality output.
  • Promoted a positive work environment through effective communication skills and teamwork initiatives.

Sr. Loan Processor

Legacy Texas Mortgage
06.2008 - 10.2008
  • Streamlined loan processing by implementing efficient workflow systems and task prioritization.
  • Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
  • Reduced loan processing time by developing and employing standardized documentation procedures.
  • Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.

Sr. Loan Processor/Mortgage Loan Officer

Mortgage Consultants Ltd
03.2001 - 06.2008
  • Streamlined loan processing by implementing efficient workflow systems and task prioritization.
  • Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
  • Reduced loan processing time by developing and employing standardized documentation procedures.
  • Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
  • Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
  • Assisted in training junior loan processors, resulting in increased productivity across the team.
  • Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
  • Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
  • Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
  • Expedited funding process by closely collaborating with closing agents to resolve any outstanding issues promptly.
  • Consistently met or exceeded monthly performance metrics, contributing to overall team success in achieving departmental goals.

Education

High School Diploma -

E. O. Smith High School
Storrs, CT
05.1981

Skills

Strong Organizations Skills

Detailed Oriented

Self Starter

Strong Communication Skills

Timeline

Onboarding Specialist

RaceTrac
04.2023 - 01.2024

Sr. Underwriter Post Closing Resolution

Planet Home Lending
04.2020 - 10.2022

Mortgage Loan Auditor

The Compliance Group
08.2019 - 04.2020

Sr. Underwriting Post Closing Resolution

Everett Financial Inc., DBA Supreme Lending
04.2013 - 07.2019

FHA Underwriter

SWBC Mortgage
11.2012 - 02.2013

Loan Processor/FHA DE Underwriter

Nationstar Mortgage DBA Mr. Cooper
11.2008 - 11.2012

Sr. Loan Processor

Legacy Texas Mortgage
06.2008 - 10.2008

Sr. Loan Processor/Mortgage Loan Officer

Mortgage Consultants Ltd
03.2001 - 06.2008

High School Diploma -

E. O. Smith High School

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Susan Murphey