Summary
Overview
Work History
Education
Skills
References
Work Availability
Timeline
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Tammy Proctor

Charlotte,NC

Summary

Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Overview

16
16
years of professional experience

Work History

Underwriter III - Remote

Truist Bank
Charlotte, NC
09.2021 - 07.2022
  • Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
  • Analyzed financial information including income, assets, liabilities and credit history of applicants.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
  • Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
  • Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
  • Prepared reports summarizing analysis results for management review.
  • Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
  • Negotiated terms with borrowers in order to achieve mutually beneficial outcomes.
  • Performed periodic reviews of existing loans to ensure continued compliance with established policies.
  • Monitored changes in the real estate market that could affect lending decisions.
  • Consulted with legal counsel when necessary to resolve complex issues or disputes.
  • Provided guidance on underwriting procedures to junior staff members.
  • Resolved discrepancies between customer documentation and internal records.
  • Assessed potential risks associated with each transaction prior to approving loans.
  • Developed strategies for minimizing losses due to credit defaults or delinquencies.
  • Recommended adjustments to loan terms or conditions based on individual circumstances.
  • Participated in regular training sessions regarding updates in relevant laws or regulations.
  • Ensured timely submission of all documents needed for closing transactions.
  • Communicated effectively with lenders, brokers and other external partners involved in transactions.
  • Maintained accurate records of all transactions handled by the department.
  • Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
  • Gathered and analyzed information to determine risk acceptability.
  • Inspected financial statements, credit information and title data to complete underwriting process.
  • Conducted comprehensive analysis and evaluated risk to control underwriting loss.
  • Utilized diverse data tools and processes to analyze, interpret and manage data.
  • Utilized underwriter authority to correspond with corporate risk appetite and strategy.
  • Liaised with field, gathering information to base and defend underwriting decisions.

Senior Underwriter - Remote

Homepoint Financial
Ann Arbor, MI
09.2020 - 06.2021
  • Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
  • Analyzed financial information including income, assets, liabilities and credit history of applicants.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
  • Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
  • Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
  • Negotiated terms with borrowers in order to achieve mutually beneficial outcomes.
  • Prepared reports summarizing analysis results for management review.
  • Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
  • Performed periodic reviews of existing loans to ensure continued compliance with established policies.
  • Monitored changes in the real estate market that could affect lending decisions.
  • Consulted with legal counsel when necessary to resolve complex issues or disputes.
  • Conducted research into new products and services offered by the company.
  • Provided guidance on underwriting procedures to junior staff members.
  • Resolved discrepancies between customer documentation and internal records.
  • Assessed potential risks associated with each transaction prior to approving loans.
  • Developed strategies for minimizing losses due to credit defaults or delinquencies.
  • Recommended adjustments to loan terms or conditions based on individual circumstances.
  • Participated in regular training sessions regarding updates in relevant laws or regulations.
  • Ensured timely submission of all documents needed for closing transactions.
  • Communicated effectively with lenders, brokers and other external partners involved in transactions.
  • Gathered and analyzed information to determine risk acceptability.
  • Inspected financial statements, credit information and title data to complete underwriting process.
  • Conducted comprehensive analysis and evaluated risk to control underwriting loss.
  • Utilized diverse data tools and processes to analyze, interpret and manage data.
  • Utilized underwriter authority to correspond with corporate risk appetite and strategy.
  • Liaised with field, gathering information to base and defend underwriting decisions.

Senior Analyst - Collateral Valuations - UW

Wells Fargo - hybrid remote
Charlotte, NC, USA, NC
12.2015 - 12.2020
  • Conducted in-depth analysis of property values and market trends to identify potential areas for improvement.
  • Developed detailed reports on collateral valuations, including financial analysis and recommendations.
  • Provided guidance on the development of new valuation models and methodologies.
  • Collaborated with various departments to ensure accuracy of data used in collateral valuations.
  • Prepared detailed presentations for senior management summarizing the results of collateral valuations.
  • Assisted with implementing risk mitigation strategies based on findings from reviews of collateral valuations.
  • Reviewed documentation related to loan files, appraisals, environmental issues, zoning regulations. to support collateral valuations.
  • Analyzed complex financial statements and data sets to provide insights into current market conditions and trends affecting the value of real estate assets.
  • Researched legal documents such as deeds, titles, surveys. to confirm ownership rights over real estate assets.
  • Monitored changes in local markets that could impact the value of a portfolio's assets.
  • Evaluated alternative strategies for managing risks associated with collateral valuation activities.
  • Reviewed costs, expenses and revenues associated with construction projects.

Consumer Loan Underwriter II- Remote

Wells Fargo
Charlotte, NC, USA, NC
05.2012 - 12.2015
  • Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
  • Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
  • Evaluated loan documents for accuracy and completeness in accordance with established guidelines.
  • Determined appropriate loan terms based on customer profile and credit score.
  • Performed detailed analysis of collateral values to support loan decisions.
  • Investigated discrepancies between borrowers' stated incomes versus other sources of verification.
  • Conducted research into background information about potential borrowers using multiple resources such as Experian or Equifax reports.
  • Analyzed borrower's ability to pay off debts by examining their current income levels and expenses.
  • Negotiated repayment terms with customers experiencing difficulty meeting payment obligations.
  • Communicated effectively with external partners regarding status of underwriting process.
  • Provided guidance to internal staff on complex underwriting questions or issues related to consumer loans.
  • Approved or denied loan applications based on established criteria while maintaining compliance standards set forth by governing agencies.
  • Identified areas for improvement in the underwriting process through data analysis, problem solving, and critical thinking skills.
  • Monitored industry trends related to consumer lending practices in order to stay abreast of changes in regulations or policies that may affect operations.
  • Ensured all documentation is accurate, complete, compliant, verified, signed off by appropriate personnel prior to closing the file .
  • Collaborated with legal counsel on matters pertaining to foreclosure proceedings when necessary .
  • Maintained up-to-date records of all transactions related to approved and denied loans .
  • Adhered strictly to company policies regarding privacy laws and procedures when dealing with sensitive customer information.
  • Attended training sessions and seminars related to consumer lending laws and regulations in order to maintain knowledge base necessary for job performance requirements .
  • Evaluated financial, income and credit documentation to make loan decisions.
  • Facilitated on-time loan application completions by providing support to loan officers and processors.
  • Stayed current on loan requirements and standards for USDA, FHA, VA, FNMA and FHLMC products.
  • Reviewed titles, insurance coverage and both automatic and calculated appraisals for loan property.
  • Developed financial analysis reports and presentations by applying acquired financial principles.
  • Built and strengthened client relationships to form long-lasting, profitable bonds.

Underwriter

Zenta Mortgage Services/ Accenture Credit Services
Charlotte, NC
10.2010 - 05.2012
  • Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
  • Analyzed financial information including income, assets, liabilities and credit history of applicants.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
  • Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
  • Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
  • Negotiated terms with borrowers in order to achieve mutually beneficial outcomes.
  • Prepared reports summarizing analysis results for management review.
  • Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
  • Performed periodic reviews of existing loans to ensure continued compliance with established policies.
  • Monitored changes in the real estate market that could affect lending decisions.
  • Consulted with legal counsel when necessary to resolve complex issues or disputes.
  • Conducted research into new products and services offered by the company.
  • Provided guidance on underwriting procedures to junior staff members.
  • Resolved discrepancies between customer documentation and internal records.
  • Assessed potential risks associated with each transaction prior to approving loans.
  • Developed strategies for minimizing losses due to credit defaults or delinquencies.
  • Ensured timely submission of all documents needed for closing transactions.
  • Recommended adjustments to loan terms or conditions based on individual circumstances.
  • Participated in regular training sessions regarding updates in relevant laws or regulations.
  • Communicated effectively with lenders, brokers and other external partners involved in transactions.
  • Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
  • Gathered and analyzed information to determine risk acceptability.
  • Inspected financial statements, credit information and title data to complete underwriting process.
  • Conducted comprehensive analysis and evaluated risk to control underwriting loss.
  • Utilized diverse data tools and processes to analyze, interpret and manage data.
  • Utilized underwriter authority to correspond with corporate risk appetite and strategy.
  • Liaised with field, gathering information to base and defend underwriting decisions.
  • Entered and maintained risk information in various information systems.

Senior Loan Processor

Pulte Homes
Charlotte, NC
04.2008 - 01.2009
  • Demonstrated strong organizational and time management skills while managing multiple projects.
  • Developed and maintained courteous and effective working relationships.
  • Worked well in a team setting, providing support and guidance.
  • Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
  • Self-motivated, with a strong sense of personal responsibility.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Learned and adapted quickly to new technology and software applications.
  • Worked flexible hours across night, weekend and holiday shifts.
  • Provided professional services and support in a dynamic work environment.
  • Gained extensive knowledge in data entry, analysis and reporting.
  • Worked effectively in fast-paced environments.
  • Identified issues, analyzed information and provided solutions to problems.
  • Adaptable and proficient in learning new concepts quickly and efficiently.
  • Paid attention to detail while completing assignments.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Proven ability to develop and implement creative solutions to complex problems.
  • Proven ability to learn quickly and adapt to new situations.

Temporary Associate

Ultimate Staffing
Charlotte, NC
10.2007 - 04.2008
  • Greeted customers and offered assistance for increased customer satisfaction.
  • Managed customer relations through communication and helpful interactions.
  • Worked varied hours to meet seasonal and business needs.

Senior Mortgage Loan Underwriter

First National Bank of Arizona
Charlotte, NC
08.2006 - 04.2007
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • 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 mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Verified integrity of applicants' information to minimize fraud.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
  • Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
  • Negotiated loan terms and conditions with customers to secure best deal.

Education

Some College (No Degree) - General Studies

Central Piedmont Community College
Charlotte, NC

Skills

  • Managing Risk
  • Analyzing Data
  • Risk Mitigation
  • Negotiation Proficiency
  • Quality Control
  • Client Relationship Building
  • Risk Assessment
  • Quality Assurance
  • Relationship Building
  • Risk Management
  • Application Review
  • Building Strong Relationships

References

References available upon request.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Underwriter III - Remote

Truist Bank
09.2021 - 07.2022

Senior Underwriter - Remote

Homepoint Financial
09.2020 - 06.2021

Senior Analyst - Collateral Valuations - UW

Wells Fargo - hybrid remote
12.2015 - 12.2020

Consumer Loan Underwriter II- Remote

Wells Fargo
05.2012 - 12.2015

Underwriter

Zenta Mortgage Services/ Accenture Credit Services
10.2010 - 05.2012

Senior Loan Processor

Pulte Homes
04.2008 - 01.2009

Temporary Associate

Ultimate Staffing
10.2007 - 04.2008

Senior Mortgage Loan Underwriter

First National Bank of Arizona
08.2006 - 04.2007

Some College (No Degree) - General Studies

Central Piedmont Community College

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