Summary
Overview
Work History
Education
Skills
Timeline
Generic

Vickie Brown

Jackson,MI

Summary

Dedicate Mortgage Underwriter professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Overview

11
11
years of professional experience

Work History

Underwriter III

FINANCE OF AMERICA
Conshohocken, PA
05.2019 - Current
  • Performed in-depth analysis of personal and business tax returns
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Provided customer service to internal staff and loan officers by explaining credit decisions and offering alternative options when needed to complete approvals
  • Supported review and acceptance or denial of new or renewal business.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
  • Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.

UNDERWRITER II

LIBERTY SAVINGS BANK
Wilmington, OH
07.2018 - 12.2018
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
  • Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
  • Controlled loss by assessing risk, conducting system analysis and recommending policy solutions

UNDERWRITER II/DE

UDERWRITER, MB FINANCIAL BANK
Ann Arbor, MI
10.2011 - 07.2018
  • Ensured loan submittals met internal and external eligibility requirements
  • Gained extensive experience in underwriting FHA, USDA, Jumbo and Conforming Loans
  • Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals
  • Maintained compliance with lending, underwriting and government requirements.
  • Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
  • Worked with customers to understand needs and provide excellent service
  • Used critical thinking to break down problems, evaluate solutions and make decisions

Education

Some College (No Degree) - BUSINESS MANAGEMENT

EASTERN MICHIGAN UNIVERSITY, JACKSON COLLEGE
Ypsilanti, MI

Some College (No Degree) - Business Management

Jackson College
Jackson, MI

Skills

  • Service Delivery
  • Underwriting Understanding
  • Environmental Underwriting
  • Customer Feedback
  • Managing Risk
  • Customer Satisfaction
  • Desktop Underwriter

Timeline

Underwriter III

FINANCE OF AMERICA
05.2019 - Current

UNDERWRITER II

LIBERTY SAVINGS BANK
07.2018 - 12.2018

UNDERWRITER II/DE

UDERWRITER, MB FINANCIAL BANK
10.2011 - 07.2018

Some College (No Degree) - BUSINESS MANAGEMENT

EASTERN MICHIGAN UNIVERSITY, JACKSON COLLEGE

Some College (No Degree) - Business Management

Jackson College

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