Open To Work
Trina Fitzgerald
Lake Dallas,TX
Summary
Seasoned and results-driven Underwriter with over 10 years of comprehensive experience in default mortgage underwriting, complemented by 2 years in origination underwriting and 4 years in credit card underwriting for both consumer and business sectors. Recognized for excellence in performance and significant contributions to the success of JPMorgan Chase, demonstrating a strong commitment to achieving departmental and organizational objectives. Expertise includes meticulous attention to detail, adaptability in fast-paced environments, and a collaborative approach that fosters team success. Prepared to leverage extensive skills and knowledge in a new role that presents fresh challenges and opportunities for growth, while remaining in the remote- work from home role.
Overview
16
16
years of professional experience
Work History
Credit Analyst Underwriter III
JPMorgan Chase
Remote- Work From Home
03.2022 - Current
- Manage workflow of credit card applications for consumers and businesses, prioritizing tasks to meet all turnaround deadlines.
- Demonstrate exceptional underwriting skills, earning accolades as the leading credit underwriter with flawless quality and top production rankings within the department.
- Conduct daily outbound calls to clients to resolve issues and enhance credit application approval efficiency.
- Execute daily inbound call operations to relay application decisions and efficiently process and reconsider applications.
- Speak effectively and professionally to clients, bankers and all other internal departments while making and taking calls to ensure courteous, professionalism, transparent and detailed decisions are portrayed.
- Analyze credit bureau reports to evaluate client financial standing, focusing on mortgage, auto, and personal loan balances.
- Utilize expertise in Single Lending Desktop (SLD) to streamline completion of credit card applications and enhance workflow efficiency.
- Examine inflows and outflows in client bank statements to determine financial stability and payment capacity for creditors.
- Conduct thorough customer and business verification processes using D&B, Vertical IQ, Innovis, Secretary of State, and LexisNexis systems.
Mortgage Origination Underwriter I-II
JPMorgan Chase
Remote- Work From Home
01.2021 - 03.2022
- Facilitated loan processing for purchase and refinance transactions, including both cash-out and no cash-out options.
- Directed daily loan pipeline operations through effective prioritization to meet established turnaround times.
- Analyzed and maintained conventional loan portfolios, focusing on FNMA and FHLMC guidelines and requirements.
- Utilized DU and LPA software programs to streamline underwriting processes and enhance loan evaluation efficiency.
- Managed finalization of loans for a range of properties, encompassing single-family residences, condos, co-ops, second homes, and multi-unit investments.
- Reviewed and assessed credit reports, income tax returns, title documents, and property valuations, facilitating informed decision-making in underwriting process.
- Collaborated with customer care specialists, home lending advisors', supervisors and upper management to ensure clarity and reduce reject instances, thereby improving customer satisfaction.
Mortgage Default Underwriter I - III
JPMorgan Chase
Lewisville, Texas
08.2011 - 01.2021
- Monitored and upheld compliance standards for mortgage programs in alignment with investor requirements such as Private Asset, FNMA, FHLMC, USDA, VA, and FHA.
- Surpassed monthly production and quality benchmarks, achieving recognition as a top 5% underwriter within the department annually.
- Collaborated with new hires to impart subject matter expertise, strengthening their underwriting capabilities through targeted training.
- Encompassed the ability to adapt to change with ease, and ensure smooth transitions when change occurred.
- As a tenured UW, assisted team members to communicate errors and obtain missing information for current applications, and review their loans prior to submission to confirm accuracy.
- Provided excellent written and verbal communication with Relationship Managers, Supervisors and upper management to ensure minimal rejects to enhance the overall customer experience.
- Abided by all Reg B and Reg X timelines to ensure those timelines do not fail audit.
- Met timelines consistently, turning around applications quickly with firm approval or denial decisions.
- Evaluated debt ratio, loan-to-value ratios, NPV, all sources of income documents, assets and various other factors when making underwriting decisions.
- Provided high level of assistance to our partnering Relationship Managers, helping with review and obtaining necessary documents, to ensure perfected applications were submitted to Underwriting.
- Maintained a high level of professionalism, work ethic and competitiveness to guarantee passing internal/external quality control reviews with no major deficiencies.
- Effectively managed pipelines daily to regulate the process flow of loans that improved the customer experience.
Imminent Default/Default Special Servicing Rep
Saxon Mortgage
Irving, Texas
12.2009 - 08.2011
- Managed a portfolio of loans consisting of conventional and non-conventional loans, FNMA, FHLMC, Private, USDA, VA and FHA.
- Spoke with customers regarding their current mortgage status to help them pursue loan modification options.
- Ensured customers understood their modification/liquidation options depending on investor guidelines.
- Gathered all required documents from the customers to proceed with their modification/liquidation options for complete Underwriter review.
- Collected mortgage payments from customers via phone.
Education
BBA - General Business With Secondary Education
University Of North Texas
Denton, TX12.2008
Skills
- Financial Analysis & Verification
- Time management
- MS Office
- Verbal and written communication
- Staff Leadership & Training
- Excellent work ethic
- Quality assurance
- Analyzing Credit Reports
- Regulatory Compliance
- Loan/Credit Underwriting
Work Preference
Work Type
Full TimeLocation Preference
RemoteTimeline
Credit Analyst Underwriter III
JPMorgan Chase
03.2022 - Current
Mortgage Origination Underwriter I-II
JPMorgan Chase
01.2021 - 03.2022
Mortgage Default Underwriter I - III
JPMorgan Chase
08.2011 - 01.2021
Imminent Default/Default Special Servicing Rep
Saxon Mortgage
12.2009 - 08.2011
BBA - General Business With Secondary Education
University Of North Texas