VICTORIA MOORE
Rochester Hills,MI
Summary
Demonstrated ability to effectively problem solve and highly resourceful to achieve maximum results. Talented Financial Analyst with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 20 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.
Overview
20
20
years of professional experience
Work History
Senior Mortgage Underwriter/Team Manager
Bank of America
05.2006 - 01.2012
- Portfolio/Conventional/FHA)
Underwriter/Mortgage Specialist/Work Director
Wells Fargo Home Mortgage
05.2004 - 01.2012
- Determine credit risk and salability by analyzing credit documents including credit reports, income, assets and appraisal/property documents
- Extensive Fannie/Freddie Conventional loan products
- Assigned loans/balanced work flow amongst the teams.
Remote Loan Analyst/Underwriter
Lendkey Technologies
06.2022 - Current
- Analyze personal and business financial statements to access risk for student and home improvement lending.
- Create credit risk policies, guidelines, and procedures.
- Consistent top tier producer.
- Exceeding expectations for quality assurance.
Remote Senior Underwriter/Loan Analyst
Amerifirst Home Mortgage
07.2019 - 03.2022
- Determine credit risk and salability by analyzing credit documents including credit reports, income, assets and appraisal/property documents including home improvement/renovation loan product review.
- Successfully mentored sales staff to produce higher quality loan applications and consistently exceeded customer experience and expectations by closing on or before expected dates.
- Promoted to loan structure specialist for entire company directly by CEO.
- Created credit risk policies and underwriting guidelines.
Mortgage. Underwriting/Operations Manager
SI, Appraisal
09.2018 - 07.2019
- Performed credit risk analysis of credit documents including credit reports, financial statements/income/assets and appraisal/property documents
- Extensive Fannie/Freddie/GNMA Conventional and FHA experience
- Lead underwriting, operations and served as support liaison with sales to create desirable internal and external customer experience
- Top tier and rated performer-managed over 20 complex loan transactions daily
- Increased sales by 20% consecutively each quarter
Quality Control Appraisal Review Escalations Manager
06.2018 - 09.2018
- Reviewed escalated revision and reconsideration of value requests with appraisal reports to assist lenders with the desirable outcome with the appraiser.
Senior Remote
BB&T
12.2016 - 04.2018
- Determine credit risk and salability by analyzing credit documents including credit reports, income, assets and appraisal/property documents
- Extensive Fannie/Freddie Conventional loan products.
02.2014 - 12.2016
- Determine credit risk and salability by analyzing credit documents including credit reports, income, assets and appraisal/property documents
- Extensive Fannie/Freddie Conventional and FHA experience
- Lead underwriting, operations and served as a support liaison with sales to create a desirable internal and external customer experience
Senior Remote Mortgage Underwriter
Citibank, FSB
01.2012 - 02.2014
- Determine credit risk and salability by analyzing credit documents including credit reports, income, assets and appraisal/property documents
- Extensive Fannie/Freddie Conventional loan products.
Underwriter
Towne Mortgage
02.2004 - 05.2004
- Determine credit risk and salability by analyzing credit documents including credit reports, income, assets and appraisal/property documents
- Extensive Fannie/Freddie Conventional and FHA loan products.
Skills
- Analytical and Critical Thinking
- Client Service
- Real Estate Title Concepts
- Real Estate Lending Processes
- Credit Risk Evaluation
- Fraud Prevention and Detection
- Manage Complaints
- Loan Evaluations
- Real Estate Appraisal
- Calculate Payments
- Complex Problem-Solving
- Serve Customer Needs
Timeline
Remote Loan Analyst/Underwriter
Lendkey Technologies
06.2022 - Current
Remote Senior Underwriter/Loan Analyst
Amerifirst Home Mortgage
07.2019 - 03.2022
Mortgage. Underwriting/Operations Manager
SI, Appraisal
09.2018 - 07.2019
Quality Control Appraisal Review Escalations Manager
06.2018 - 09.2018
Senior Remote
BB&T
12.2016 - 04.2018
02.2014 - 12.2016
Senior Remote Mortgage Underwriter
Citibank, FSB
01.2012 - 02.2014
Senior Mortgage Underwriter/Team Manager
Bank of America
05.2006 - 01.2012
Underwriter/Mortgage Specialist/Work Director
Wells Fargo Home Mortgage
05.2004 - 01.2012
Underwriter
Towne Mortgage
02.2004 - 05.2004
Federal Housing Administration Direct Endorsement.
Received Direct Endorsement from Housing and Urban Development (HUD)-2005.
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