Summary
Overview
Work History
Education
Skills
Timeline
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Violet M. Dubberly

Ponte Vedra,FL

Summary

Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. Astute Mortgage Underwriter bringing 20+ years of experience in banking and financial positions. Work well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer. Accurate and dedicated Mortgage Underwriter evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency. Talented Underwriter knowledgeable about the current Mortgage loan market. Proficient time manager and collaborative team player trained in loan and underwriting processes. Results-oriented Underwriter and previously Loan Processor, highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 20 years of experience in loan processing and mortgages. Knowledgeable and efficient professional with extensive experience in financial industry. Prepares detailed client financial information to meet strict government and state regulations. Possesses comprehensive knowledge of conventional and government loan programs to fulfill customer needs. Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 20+ year history of successful loan and mortgage processing. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time remote and/or hybrid position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Hardworking and passionate job seeker with strong organizational skills eager to secure Underwriter position. Ready to help team achieve company goals.

Overview

21
21
years of professional experience

Work History

Underwriter

Keller Mortgage
03.2020 - 10.2022
  • Position involved reviewing conventional and VA loan files which also included credit and appraisal review to determine if loan met various Investor guidelines
  • Also advised team of loan decision and requested any additional information needed to make a final decision
  • Also stayed apprised of any program or guideline changes
  • I have over 15+ years in the mortgage industry
  • Thoroughly Reviewed numerous weekly conventional and VA loan applications to accurately determine if qualifications met investor guidelines to maintain minimal risk
  • Carefully utilized attention to detail to carefully identify and resolve discrepancies in application data for timely and prompt processing
  • The operating system used was Encompass.

Collateral Analyst

JP Morgan Chase
11.2019 - 03.2020
  • Duties consisted of reviewing appraisals for all loan types, to determine that property met guidelines were acceptable or if additional documentation was needed, requested accordingly

Credit Analyst/Quality Analyst

PNC Bank
01.2018 - 11.2019
  • Duties entailed review of conforming and non-conforming and some Government loans for accuracy, that are in Prefunding and or Post closing status, to ensure all credit and appraisal and compliance documents to verify they were within guidelines and in compliance
  • This also includes reviewing
  • Assumption and Project review files as well
  • The operating systems used was Empower.

Underwriter II

Everbank
11.2001 - 11.2017
  • I occasionally worked remotely and in that position for over 10 years
  • My job consisted of reviewing loan documentation to verify it meets specific program guidelines, for conforming and non-conforming loans, and Heloc loans for accuracy and to also request any additional items needed to result in loan obtaining final loan approval
  • I also would review any updates to strengthen my knowledge of guideline revisions and changes
  • Prior to that position I was a Processor III, where that role consisted of working with new applications to ensure all required documentation , both credit documentas and appraisals were in file prior to submitting to Underwriting
  • Also maintained consistent communication with borrower and loan officers and management to ensure deadlines to close were met
  • In addition, striving to keep all customers happy while doing so
  • I was with EverBank for over 15 years.

Education

computer Science

Florida Community College of Jacksonville, Andrew Jackson Sr. High School

Skills

  • Mortgage Underwriting, Credit Analysis, Financial management, Time management,Communication,
  • Property Appraisal Analysis, Quality Review, Organized, Attention to detail, Planned and/or proposed
  • Occasional team meetings to maintain unity and morale , known to work well with team members,
  • Helpful
  • Underwriting Collaboration
  • Knowledge of VA Loan Process
  • Bank Secrecy Act
  • Analytical and Critical Thinking
  • Mortgage Banking and Analysis
  • Data Entry
  • Calculations Error Correction
  • Mortgage Insurance Arrangement
  • Customer Proposals
  • Contacting Borrowers
  • Lending Software Systems
  • Oral and Written Comprehension
  • Remote Video Conferencing
  • Credit Bureau Contact
  • 10-Key Data Entry
  • Loan Evaluations
  • Legal Documentation
  • Federal Statutes
  • Process Optimization
  • Community Reinvestment Act
  • Appraisal Reviews
  • Credit Limit Establishment
  • Loan and Transactions Advisory
  • Digital Applications
  • Risk Mitigation
  • Cash Flow and Financial Analysis
  • Status Updates
  • Legal Compliance
  • Client Data Gathering
  • Regulatory Compliance Documentation
  • Loan Paperwork
  • Financial History Reviews
  • Active Listening and Learning
  • Collateral Value Checks
  • Loan Process Coordination
  • Home Mortgage Disclosure Act
  • Financial Document Review
  • Complete Loan Applications
  • Principal, Interest and Payment Calculation
  • Client Relationships
  • Fraud Prevention and Detection
  • Loan Underwriting
  • Information Verification
  • Calyx Point
  • Mortgage Broker Collaboration
  • Customer Interaction
  • Reading Comprehension
  • Credit and Collections
  • Program Requirements
  • Government Lending
  • Risk Management
  • Desktop Underwriter
  • Financial Data Collection
  • Sound Judgment
  • Documentation
  • Processing Procedures
  • Equifax Application Engine
  • Application Preparation
  • Closing Costs Calculation

Timeline

Underwriter

Keller Mortgage
03.2020 - 10.2022

Collateral Analyst

JP Morgan Chase
11.2019 - 03.2020

Credit Analyst/Quality Analyst

PNC Bank
01.2018 - 11.2019

Underwriter II

Everbank
11.2001 - 11.2017

computer Science

Florida Community College of Jacksonville, Andrew Jackson Sr. High School
Violet M. Dubberly