Tara Williams
Laveen,AZ
Summary
Motivated individual with strong work ethic and ability to work independently. Strong organizational and team collaboration skills with experience in improving processes.
Overview
16
16
years of professional experience
Work History
Home Equity Underwriter
Citizens Bank
Cincinnati, OH
09.2021 - 06.2022
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Completed denial and cancellation procedures on applicable files.
- Evaluated approvals against established bank and government lending standards.
- Verified credit histories, personal references and employment backgrounds for each applicant.
Mortgage Underwriter
Loandepot
Chandler, AZ
01.2021 - 07.2021
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Checked personal and income calculations to validate information and underwriting decisions.
- Maintained mortgage program compliance with federal agencies such as Freddie MAC, and FNMA guidelines.
- Determine that valid liens in the proper recording position can be obtained by analyzing title examination and public record reports. Ensure that corrective action is taken when factors that weaken collateral position are identified.
- Respond to post closing review and audits in a timely fashion.
- Monitored pipelines to track and log status of loans.
- Clear conditions timely on loans; affirm data integrity on all submissions
Mortgage Loan Processor
Bank Of America
Chandler, AZ
04.2018 - 07.2020
- Evaluated approvals against established bank and government lending standards
- Set up and completed loan submission packages
- Coordinated closing process with attorneys, title companies and government clerks
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories
- Verified credit histories, personal references and employment backgrounds for each applicant
- Reviewed and validated details of loan applications and closing documentation
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations
- Reviewed financial statements and contacted institutions and customers to clarify details
- Upheld complete confidentiality of all submitted information according to release guidelines
Mortgage Underwriter
Chase Home Lending
Chandler, AZ
09.2015 - 09.2017
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Verified integrity of applicants' information to minimize fraud.
- 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.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Successfully closed average of 50+ loans per month.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
Relationship Manager
Chase Home Lending
Phoenix, AZ
05.2009 - 08.2015
- Coordinated closing process with attorneys, title companies and government clerks
- Evaluated approvals against established bank and government lending standards
- Upheld complete confidentiality of all submitted information according to release guidelines
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories
- Filed completed loan applications with underwriting and made approval or denial recommendations
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations
- Devoted special emphasis to punctuality and worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately
Remarketing Specialist
Wells Fargo
Tempe, AZ
08.2005 - 06.2009
- Completed thorough research into parish and county records to check on mineral rights
- Examined and verified 20 titles weekly
- Identified title encumbrances and detailed plans for correcting issues and clearing titles for planned changes
- Participated in meetings to discuss new auction sales for repossessed vehicles
- Maintained excellent attendance record, consistently arriving to work on time
- Supported needs for many different auction companies with skill and efficiency
Education
High School Diploma -
Hanau High School
Unit 20235 APO Armed Forces Europe (AE) 0916505.1993
Skills
- Application preparation
- Appraisals
- Appraisal compilation
- Information Verification
- Legal compliance
- Financial document review
- Quality Assurance
- Team building
- Regulatory Compliance
- Data Entry
- MS Office
- Microsoft PowerPoint, Excel and Word
Timeline
Home Equity Underwriter
Citizens Bank
09.2021 - 06.2022
Mortgage Underwriter
Loandepot
01.2021 - 07.2021
Mortgage Loan Processor
Bank Of America
04.2018 - 07.2020
Mortgage Underwriter
Chase Home Lending
09.2015 - 09.2017
Relationship Manager
Chase Home Lending
05.2009 - 08.2015
Remarketing Specialist
Wells Fargo
08.2005 - 06.2009
High School Diploma -
Hanau High School
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