Vannice Holmes
Loan Processor/Mortgage Underwriter/Audit And Legal Analyst
Detroit,MI
Summary
EXECUTIVE SUMMARY
Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 25 years of leadership, assisting internal and external clients with multifaceted lending services. Skilled in banking regulations and audits. Legal Research and Reconciliation of multiple projects while maintaining high levels of confidentiality and policy standards. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as a skilled Underwriter and Loan Processor. Proven expertise in identifying unacceptable risk and preventing fraud.
Overview
24
24
years of professional experience
Work History
SR Loan Processor
Enova International
Chicago, IL
10.2022 - Current
- Excellent in maintaining frequent communication with customers resulting in stellar reviews.
- Accurate and timely verification of all documentation in accord with lending request.
- Approval authority.
- Fraud risk assessment performed.
- Maintain daily pipeline and production standard with 96.7% accuracy.
Sr Retail Mortgage Underwriter
CMG Financial
San Ramon, CA
03.2021 - 05.2022
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Met hourly timeline consistently, turning around applications quickly with firm approval or denial decisions.
- Maintained mortgage program compliance with federal agencies such as FHA, FNMA and FHLMC.
- Increased overall production by 10%
- Established excellent relationships with Closing and Funding Teams.
- Proved successful working within tight deadlines and fast-paced environment
- Self-motivated, with strong sense of personal responsibility
- Adaptable and proficient in learning new concepts quickly and efficiently
Sr Mortgage Underwriter
First Saving Bank
Chicago, Illinois
09.2019 - 10.2021
- Checked personal and team calculations to validate information and underwriting decisions.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Appraisal and Title documentation analysis
- Approved or denied loans based on established criteria and underwriting guidelines. Lending authority approval.
- Jumbo Loans/Multi-Family
- Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications.
Wholesale Mortgage Underwriter
UWM, United Wholesale
10.2020 - 03.2021
- Maintained extensive relationships with brokers with concentration in California, Florida and Texas markets. Serviced approximately 8 Broker Accounts communicating directly with brokers.
- Researched legal aspects of statewide property tax appraisal and assessment issues to clarify application to residential, owners and investors.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Financial Service Manager
Christian Financial
Roseville, MI
06.2019 - 10.2020
- Verified account reconciliations and monitored general accounting work to keep team on-track with daily and monthly functions.
- Established and enforced operational policies and procedures to maintain efficient and effective accounting operations.
- Identified signs of fraud and took proactive action to protect institutional assets.
- Provided financial reports and interpreted financial information to managerial staff while recommending further courses of action.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Managed and trained staff of 13 tellers and 6 FSR
- Monitored Sales and Implemented structured goals with proven success rate generating generous bonus compensation for branch team.
- Scheduling, Performance reviews, Hiring and Disciplinary Actions.
- Maintained excellent retail relationships with internal and external customers.
Financial Service Analyst/Risk Analyst
Michigan First Credit Union
Eastpointe, MI
08.2017 - 06.2019
- Analyzed sales and financial performances to effectively plan for increased future opportunities, while identifying obvious weak trends.
- Analyst, Employee Track, and Account Management systems
- Created weekly labor finance reports and presented results to management.
- Complies with all regulatory requirements
- Fostered successful relationships with over 75 clients, providing expert solutions for their financial needs.
- Developed and implemented risk management strategies to minimize financial losses resulting in 9% reduction in company losses over 2 months.
Branch Manager/Legal Analyst/Internal Auditor
Comerica Bank
Detroit/Livonia, Michigan
10.1998 - 06.2008
- Branch Manager for 7 years with company.
- Successfully partnered with several local businesses to originate revenue which resulted in several multi-million dollar investments with Comerica Bank. Was awarded bonus compensation for 6 months due to those partnerships and subsequent referrals.
- Later pursued other areas of financial service within bank to broaden knowledge of banking operations.
- Reconciliation and Legal Analyst Summons/Subpoena.
Education
Trident Technical College
Henry Ford College
Skills
- Staff Management/Leadership
- Financial Regulatory Compliance
- Sales and marketing
- Project Management
- Excellent Verbal and written communication
- Risk analysis, management and mitigation
- Financial Management
- Compliance, banking laws and regulations
- Accounting, Lending and Underwriting systems and software
- FNMA Guidelines, FHLMC Guidelines, Non-Prime Markets, Non-QM Markets Multiple States
Timeline
SR Loan Processor
Enova International
10.2022 - Current
Sr Retail Mortgage Underwriter
CMG Financial
03.2021 - 05.2022
Wholesale Mortgage Underwriter
UWM, United Wholesale
10.2020 - 03.2021
Sr Mortgage Underwriter
First Saving Bank
09.2019 - 10.2021
Financial Service Manager
Christian Financial
06.2019 - 10.2020
Financial Service Analyst/Risk Analyst
Michigan First Credit Union
08.2017 - 06.2019
Branch Manager/Legal Analyst/Internal Auditor
Comerica Bank
10.1998 - 06.2008
Trident Technical College
Henry Ford College
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