Summary
Overview
Work History
Skills
Timeline
Generic

Tricia Hicks

Omaha,United States

Summary

Experienced mortgage underwriter with over 20 years in the mortgage industry, offering detail/orientated approach and strong passion for solving complex challenges in fast paced, dynamic environments.

Overview

16
16
years of professional experience

Work History

Mortgage Underwriter

LeaderOne Financial
03.2018 - Current
  • Handled complex loan scenarios with a high level of attention to detail and accuracy, resulting in well-informed credit decisions that protected the company''s interests.
  • 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.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Regularly underwrote 40 + loans with no overtime. Capable of 75 + loans with overtime

Mortgage Loan Underwriter

Community First National Bank
10.2015 - 02.2018
  • Reviewed and evaluated mortgage applications, which ensured that all loans met the bank’s underwriting guidelines and standards, thereby reducing risk and improving approval rates.
  • Contributed to team success through active participation in training sessions and professional development opportunities.
  • Maintained a deep understanding of various loan products available, expertly matching borrower needs with suitable options.
  • Developed strong working relationships with industry partners to facilitate seamless transactions for clients.
  • Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.

Loan Processor

Gateway Mortgage Group
01.2014 - 10.2015
  • Coordinated with underwriters and clients to gather necessary documentation, ensuring a smooth and timely approval process that contributed to a higher loan conversion rate.
  • Developed and maintained a detailed tracking system for loan files, which improved accuracy in data management and facilitated easier access to information for team members.
  • Trained new team members on company policies and procedures, helping them get up to speed quickly and increasing team productivity during peak processing periods.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
  • Processed 50 + loans a month with no overtime

Mortgage Loan Underwriter

Wells Fargo Home Mortgage
01.2013 - 11.2013
  • Resolved and identified complex customer loan problems to prevent negative impact on operations and business direction.
  • Developed strong relationships with internal stakeholders like sales representatives and branch managers to improve overall business performance.
  • Improved loan approval efficiency by streamlining underwriting processes and implementing automated tools.
  • Contributed to team success through active participation in training sessions and professional development opportunities.
  • Maintained a deep understanding of various loan products available, expertly matching borrower needs with suitable options.

Underwriter and Senior Processor

Gateway Home Loans FKA MetLife Home Loans
04.2009 - 01.2013
  • Trained and mentored junior processors, which not only boosted their confidence and skills but also improved team productivity and cohesion, allowing us to handle a higher workload without sacrificing quality.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.

Skills

  • VA LAPP/SAR for 7 years
  • Manual underwriting experience
  • DE/Chums for 8 years
  • 10 years experience of Encompass
  • 7 years experience on TDHCA, TSACH and TX Vet Loans
  • 9 years experience on Texas Loans
  • Decision-making
  • Income evaluation
  • Analytical and critical thinking

Timeline

Mortgage Underwriter

LeaderOne Financial
03.2018 - Current

Mortgage Loan Underwriter

Community First National Bank
10.2015 - 02.2018

Loan Processor

Gateway Mortgage Group
01.2014 - 10.2015

Mortgage Loan Underwriter

Wells Fargo Home Mortgage
01.2013 - 11.2013

Underwriter and Senior Processor

Gateway Home Loans FKA MetLife Home Loans
04.2009 - 01.2013

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