Summary
Skills
Work History
Work Availability
Education
Overview
Volunteer
VANESSA JINWRIGHT

VANESSA JINWRIGHT

Underwriting & QC Professional
CLAYTON,NC

Summary

Highly skilled and hard-working financial services professional with extensive experience and expertise in quality control, risk assessment, underwriting management, data accuracy and security. Possesses a deep understanding of credit analysis, loan origination, and closing. Offers great time management and task prioritization skills. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as a skilled underwriter. Successful in leading underwriting teams and training junior staff to handle the high workload with impeccable accuracy. Proven expertise in identifying unacceptable risks and preventing fraud.

Skills

  • Analytical and Critical Thinker
  • Commercial Underwriting
  • Complex Problem Solving
  • Data Privacy
  • Desktop Underwriter
  • Fair Lending Regulations
  • FHA CHUMS
  • Federal Statutes
  • Fannie Mae Guidelines
  • Fraud Prevention and Detection
  • Freddie Mac Guidelines
  • Government Lending
  • Jumbo and Super Jumbo Loans
  • Loan Modification and Restructuring
  • Loan Product Advisor
  • Microsoft Office

Work History

Mortgage Loan Underwriter

Century Communities
09.2020 - 01.2023
  • Monitored pipelines to track and log loan status
  • Worked with processing team members to communicate errors and obtain missing information for current applications
  • Expert Encompass User
  • Approved or denied loans based on established criteria and underwriting guidelines
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA
  • Verified integrity of applicants' information to minimize fraud
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status
  • Evaluated loan applications, determined creditworthiness, assessed risk, and established loan conditions.

Underwriting Standards Manager

Fannie Mae
03.2010 - 12.2017
  • Managed a team of underwriters engaged in activities related to reviewing loans sold to the Agency for quality assurance, misrepresentation, and risk
  • Represented the unit as an expert or resource to cross-functional projects or coordinating teams
  • Kept up to date on compliance trends and rulings using meticulous research and study
  • Liaised with clients to identify and target inefficiencies in areas of risks and business controls, process gaps, and workflow discrepancies
  • Performed regular compliance reviews and audits, identifying non-compliance issues
  • Motivated and developed employees by creating incentives to encourage employees to excel and maintain low defect rates
  • Monitored portfolio performance and provided clients with periodic updates on loan progress
  • Partnered with auditors to track errors and add contributions to maintain accuracy
  • Researched and updated industry knowledge on changing legislation and regulations
  • Created, developed, and implemented underwriting procedures and strategies to accurately and efficiently review closed loan applications.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals
  • Skilled at working independently and collaboratively in a team environment
  • Self-motivated, with a strong sense of personal responsibility
  • Proven ability to learn quickly and adapt to new situations
  • Demonstrated respect, friendliness, and willingness to help wherever needed
  • Excellent communication skills, both verbal and written
  • Passionate about learning and committed to continual improvement
  • Proved successful working within tight deadlines and a fast-paced environment

Director of Quality Control

Freddie Mac
01.2006 - 03.2010
  • Maximized seller quality performance through the management of a regional quality control unit
  • Analyzed the underwriting, risk management strategies, and quality control risks of corporate customers which increased their acceptable quality rate and improved customer satisfaction
  • Evaluated and redesigned quality control and risk management practices
  • Scheduled and chaired quality review meetings to discuss effectiveness of performance, mitigating risk, and quality control programs and recommended alternative control approaches as appropriate
  • Planned, scheduled, and coordinated customer site visits to review underwriting operations
  • Rendered final quality control decisions and determined whether customer remedy requests, appeals, indemnification, and loan exceptions were contract compliant.

Academic Success Coach

Part-Time Self-Employed
01.2006 - 08.2020
  • Enabled underachieving students to reach target attainment levels by providing individualized coaching and activities
  • Used flashcards and other techniques to test and improve memory through practiced information retrieval
  • Collaborated with parents to develop appropriate tutoring lessons
  • Collaborated with students to complete homework assignments, identify lagging skills, and correct weaknesses
  • Tutored diverse groups of students to strengthen subject comprehension, boost confidence, and build important learning skills
  • Taught students remotely using online video chat platforms and other delivery channels during COVID Shut-Down
  • Worked closely with students on specific class struggles, closely reviewing materials and assignments to offer targeted help
  • Supported students in the development of critical thinking skills and perseverance to persist with challenging tasks
  • Conducted review sessions to help students prepare for tests.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Education

Did Not Graduate

Southern Connecticut State University
New Haven, CT

Did Not Graduate

Oberlin College
Oberlin, OH

Overview

17
17
years of professional experience

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VANESSA JINWRIGHTUnderwriting & QC Professional