Toni Levens
Orange Park,FL
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
16
16
years of professional experience
Work History
FHA DE Underwriter
Lakeview Loan Servicing
Horsham, PA
04.2021 - 08.2022
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- 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.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Checked personal and team calculations to validate information and underwriting decisions.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Assisted with Second Level Reviews
DE Underwriter
Sun West Mortgage Company
Buena Park, CA
09.2020 - 04.2021
- Evaluate applications for loans and make decisions regarding whether to approve applicant for financing
- Coordinate underwriting activities with loan processing to ensure loan requirements are met
- Proficient in automated underwriting systems, including LP, DU
- Reviews and interprets DU/LP/FHA Total Score Card
- Reviews appraisal report for accuracy and compliance
- Issue Loan Transmittal and Conditional Commitment
- Calculate income for all income types
- Make Decisions on files to determine its in compliance based on company and FHA or FNMA/FHLMC guidelines.
- Conducted underwriting assessments according to multiple lender guidelines and requirements.
- Established and maintained positive working relationships with co-workers, staff and external contacts.
- Upheld fair lending practices and met targets for productivity, quality and customer satisfaction.
- Examined credit, income and asset documents and reviewed title policy and appraisals.
- Worked across underwriting authority and exception levels.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Compiled closing packages for drafting and presentation accuracy.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Assessed aging accounts and initiated collection strategies based on conditions.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
DE Underwriter
Union Home Mortgage
Strongsville, OH
07.2018 - 08.2020
- Evaluate applications for loans and make decisions regarding whether to approve a applicant for financing
- Coordinate underwriting activities with loan processing to ensure loan requirements are met
- Proficient in automated underwriting systems, including LP, DU
- Reviews and interprets DU/LP/FHA Total Score Card
- Reviews appraisal report for accuracy and compliance
- Issue Loan Transmittal and Conditional Commitment
- Calculate income for all income types
- Make Decisions on files to determine its in compliance based on company and FHA or FNMA/FHLMC guidelines.
- Upheld fair lending practices and met targets for productivity, quality and customer satisfaction
- Established and maintained positive working relationships with co-workers, staff and external contacts
- Examined credit, income and asset documents and reviewed title policy and appraisals
- Worked across underwriting authority and exception levels
- Conducted underwriting assessments according to multiple lender guidelines and requirements
- Monitored pipelines to track and log status of loans
- Exceeded goals through effective task prioritization and great work ethic
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
DE Underwriter
Freedom Mortgage Corporation
Mount Laurel, NJ
10.2016 - 03.2018
- Perform final approvals and review entire loan file through verification process, including adherence to multiple investor guidelines and compliance
- Ability to access individual’s creditworthiness while adhering to all regulatory requirements
- Handle tasks of approving loans up to lending authority as well as recommending lending decisions on those loans that require approval by higher lending authority
- Adhere to confidentiality policy, code of ethics and follow all policies and procedures relative to Consumer Compliance laws and regulations and best practice recommendations
- Assist with underwriting research, training, new procedures as well as interpreting and communicating underwriting guideline changes
- Analyze creditworthiness, collateral, accuracy of Total Scorecard (DU/LP)
- Issue Loan Transmittal and Conditional Commitment
- Maintain strong working knowledge and understanding of lending and underwriting regulations and specific investor/agency underwriting guidelines and requirements
- Obtain and review loan submissions for HUD and Conventional
- Make Decisions on files to determine its in compliance based on company and FHA or FNMA/FHLMC guidelines
- Calculate income for all income types.
Loan Modification Underwriter/Mortgage Underwriter
Bank of America, N.A
Jacksonville, FL
11.2010 - 10.2016
- Exceeded production standards for daily underwriter touches requirements
- Prioritized customer loyalty and company core values
- Demonstrated ability to constantly surpass speed and accuracy standards
- Successfully corresponded with internal customers using exceptional communication skills
- Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer requests and products within company and industry guidelines
- Demonstrated leadership qualities, acted as a resource to co-workers and processors
- Allocated time to participate in pilot team functions for improved processes
- Calculating income, reviewing debt, expenses to determine surplus
- Excel in problem-solving skills
- Maintain compliance and training requirements
- Seeks to understand customer/client strategic and financial objective
- Adapts to new process/procedures effectively
- Balances multiple responsibilities and tasks.
Customer Relationship Manager II/Loan Processor
Bank Of America
Jacksonville, FL
10.2009 - 10.2010
- Manage relationship for Internal department, customers and business partners
- Work closely with process support staff to assist with collecting documents
- Verify supporting documentation for different type of modifications
- Focus on all retention options, documenting and validating income
- Assist customers with repayment plans, special forbearance, short sale, dead-in-lieu and foreclosures
- Serves as liaison within bank
- Provide status updates to customers for modifications
- Complete daily reports to manager and assigned activities on a daily basis.
- Reinforced established quality control standards and followed procedures for optimal customer interactions.
- Monitored metrics and developed actionable insights to improve efficiency and performance.
- Carried out opening and closing functions to meet operational needs underpinning strong customer service.
Loan Processor/Government Support Service Specialist III
Bank Of America
Jacksonville, FL
03.2006 - 10.2009
- Processed loans approve by underwriters and automated underwriting systems
- Verified loan documentation, resolved appraisal issues and request changes to the terms on previously approved loans
- Managed accounts as the primary contact with business partners and internal Account Executives
- Coordinated title issues including vesting and judgment liens.
- Handled any conditions sent from underwriting departments
- Processed loans within various departments to achieve timely, accurate and fair proceedings
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants
- Monitored pipelines to track and log status of loans
Education
Associate of Science - Accounting
Everest University
Orlando, FL05.2015
Assistant - undefined
Ultrasound Diagnostic School
2000
High School Diploma - undefined
James S. Rickards High School
1994
Skills
- Data Entry
- Technical Proficiency
- Partnership Management
- Data Analytics
- Strategic Thinking
- Customer Relationship Management
- Customer Service
- Loan Modification
- Daily Workflows
- Goal Attainment
- FHA DE Underwriting
- Proficiency with DU and LP
- Knowledge of compliance with federal and state regulations pertaining to banking/lending industry
- Personal computer skills to include various software packages, including word, excel, banking and/or lending systems
- Knowledge of financial processes, credit financial and statistical analysis
Timeline
FHA DE Underwriter
Lakeview Loan Servicing
04.2021 - 08.2022
DE Underwriter
Sun West Mortgage Company
09.2020 - 04.2021
DE Underwriter
Union Home Mortgage
07.2018 - 08.2020
DE Underwriter
Freedom Mortgage Corporation
10.2016 - 03.2018
Loan Modification Underwriter/Mortgage Underwriter
Bank of America, N.A
11.2010 - 10.2016
Customer Relationship Manager II/Loan Processor
Bank Of America
10.2009 - 10.2010
Loan Processor/Government Support Service Specialist III
Bank Of America
03.2006 - 10.2009
Associate of Science - Accounting
Everest University
Assistant - undefined
Ultrasound Diagnostic School
High School Diploma - undefined
James S. Rickards High School
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