Veronica Woolard
Energy,IL
Summary
Disciplined Mortgage Underwriter with excellent analytical skills, who thrives under pressure. Pays attention to details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to produce quality results. Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements. Excellent time management skills, combined with superior knowledge of the mortgage lending industry, including servicing, processing, loan origination, funding, and closing. Committed to furthering the mission of the company.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
SIU Credit Union
Carbondale, IL
08.2018 - Current
- Exercise administrative judgment.
- Assume responsibility for decisions and consequences resulting in having an impact on our members' cost and quality of service.
- Monitor our mortgage platform, assign loans to mortgage loan originators, and deny unqualifiable loans.
- Review and approve first and second lien mortgage files, adding and clearing underwriting conditions.
- Supervise pre-close audit of all first-lien mortgages. Perform final audit to ensure file continuity and investor satisfaction.
- Train new employees. Review and approve all trainees' files from start to finish.
Senior Residential Lending Servicer
DuPage Credit Union
Naperville, IL
01.2016 - 08.2018
- Process mortgage payments, disburse funds from escrow accounts to pay, and track loan performances.
- Prepare and present monthly and yearly financial reports to management and investors. Prepared annual escrow and PMI analyses to members.
- Manage loan documents, electronic file recording, releases, final policies, and recorded mortgages.
- Assist members and manage their inquiries.
- Train new employees.
Education
Associate of Arts - Criminal Justice
College of DuPage
Glen Ellyn, IL12-2013
Skills
- Automated Underwriting System (AUS)
- Loan File Maintenance
- Problem-solving abilities
- Eligibility Determination
- Mortgage lending
- Loan Processing
- Self Motivation
- Adaptability and Flexibility
- Product Education
- Report Preparation
Certification
- Certified Credit Union Financial Counselor (CCUFC)
Timeline
Mortgage Underwriter
SIU Credit Union
08.2018 - Current
Senior Residential Lending Servicer
DuPage Credit Union
01.2016 - 08.2018
Associate of Arts - Criminal Justice
College of DuPage
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