Valbona Hoxhallari

• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
• 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.
• Made approval and denial recommendations by determining accurate risk levels.
• Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting.

• Minimized losses by identifying potential risks in the early stages of the loan application process.
• Improved loan approval rates by conducting thorough risk assessments and evaluating borrowers'' financial capabilities.
• Maintained regulatory compliance in all lending practices, staying up-to-date with industry standards and changes in legislation.
• Developed strong working relationships with internal and external stakeholders, fostering a collaborative environment to facilitate timely loan processing.
• Collaborated with sales teams to increase revenue, tailoring loan products to meet client requirements.

• Respond to underwriting scenario questions within the SLA by researching the guidelines (internal and external) for the loan program (FHA/VA/FREDDIMAC/FANNIE MAE/USDA)
• Maintain current knowledge of all applicable regulatory, agency, investor, internal overlays and procedures
• Exercise strategic thinking - see beyond specific question submitted, anticipate any impacts the scenario may have on other areas of the loan; look for alternative ways to make the loan work, i.e
• Interpret automated underwriting decision findings (both DU and LP) and relay the requirements to the Loan Officer in simplified terms so they are able to explain to a borrower that may not have any mortgage knowledge
• Use knowledge, guidelines and resources to determine borrower eligibility for anything from Residency (US citizen, permanent vs non-permanent); Non borrowing spouses; Non occupying Co-borrowers; Income (using future income
• Collaborated with multiple agents, brokers and partners to obtain underwriting information
• Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.

Responsible for auditing seniors' underwriters on their income calculation

• Analyze the quality of the loan and making sure it meets guideline standards
• Review various components of a loan file as part of the scenario process: such as a credit report, income documentation or an appraisal for acceptability
• Coached new employees to inform and educate on processes, procedures and deadlines
• Audited information and implemented data into spreadsheets using EXEL
• Addressed and resolved audit issues
• Investigated discrepancies that were uncovered during audits
• Analyzed data from audits, compiled it into reports and disseminated to proper personnel
• Drafted audit reports to display findings.

• Presented engaging media packages and advertising options to prospects
• Organized files, developed spreadsheets, faxed reports and scanned documents to bolster organizational workflow
• Upsold advertising packages and options to customers by making outbound sales calls
• Negotiated pricing following company procedures to close sales with new advertisers
• Maintained business records by updating customer information
• Explained to clients how specific types of advertising helped promote customer products or services
• Developed spreadsheets to track billing, client proposals, contracts, subcontracts and subcontractor licenses
• Developed tool to track and monitor personal sales opportunities, deals in progress and finished contracts.

• Created test ads for target audiences and tracked results to inform market research and campaign planning
• Applied knowledge in mathematics, statistical analysis and forecasting to break down and utilize information
• Reviewed and provided comments on adequacy of documents, taking steps to cure deficiencies
• Surveyed target demographics and evaluated larger market data to make informed assessments
• Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services
• Worked closely with team members to deliver project requirements, develop solutions and meet deadlines
• Prioritized and organized tasks to efficiently accomplish service goals
• Demonstrated self-reliance by meeting and exceeding workflow needs
• Improved operations by working with team members and customers to find workable solutions.