TRACI PATRICK
Brook Park,United States
Summary
Skilled mortgage professional specializing in operations, offering more than 20 years of experience to growing organizations. Highly adept in underwriting moderate to complex policies.
Overview
10
10
years of professional experience
Work History
Underwriter III
InterFirst Mortgage
11.2020 - Current
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with Fannie Mae and Freddie Mac
- Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Provided in-house training to new employees concerning maintenance of standardized training approaches.
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals
Sr Credit Analyst
Splash Financial
08.2020 - 11.2020
- Assessed credit risk and analyzed financial statements.
- Monitored pipelines to track and log status of loans.
- Helped college students obtain financial aid through loan programs.
Loan Coordinator / Loan Underwriter /Loan Processor
FBC Mortgage LLC
07.2015 - 08.2020
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Assisted senior-level credit officers with complex loan applications.
- Developed and maintained relationships with local real estate agents.
- Successfully closed average of 20 loans per month.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Explained very technical financial information to applicants in easy to understand language.
- Assessed aging accounts and initiated collection strategies based on conditions.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Monitored pipelines to track and log status of loans.
- Managed team of processors and set up
Loan Processing Manager
Wells Fargo
10.2011 - 06.2015
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
- Explained very technical financial information to applicants in easy to understand language.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Participated in team-building activities to enhance working relationships.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Maintained energy and enthusiasm in fast-paced environment.
Education
Associate of Science - Business Management
Rassmussen COllege
Tampa, FL2011
Skills
- Data analysis
- Risk management
- Business Development
- Time management
- Relationship building
- Multitasking Abilities
- Analytical and Critical Thinking
- Training and Development
Timeline
Underwriter III
InterFirst Mortgage
11.2020 - Current
Sr Credit Analyst
Splash Financial
08.2020 - 11.2020
Loan Coordinator / Loan Underwriter /Loan Processor
FBC Mortgage LLC
07.2015 - 08.2020
Loan Processing Manager
Wells Fargo
10.2011 - 06.2015
Associate of Science - Business Management
Rassmussen COllege
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