Zaklina (Jackie) Petrovski
Summary
Adept at navigating complex mortgage underwriting and loan processing, I consistently exceeded production expectations at Citizens Bank. My expertise in credit analysis and document review, paired with exceptional problem-solving abilities, has significantly streamlined lending operations. This blend of technical proficiency and efficiency underscores my capacity to enhance any financial team's performance.
Overview
19
19
years of professional experience
Work History
Mortgage Assistant
Robert Half
08.2024 - Current
- Handle post-closing files for mortgages, ensuring all documents are properly organized and scanned into the relevant folders
- Maintain an accurate record of all mortgage documents, following the document management protocols of the Credit Union industry
- Mortgage Closing Processes to successfully complete all post-closing tasks
- Scanning Documents and Filing to maintain a well-structured record system
- Utilize your expertise in Mortgage Documents to identify final and close documents accurately
- Closing Processes to ensure all tasks are completed efficiently
- Manage customer inquiries, providing timely and accurate responses to all queries related to mortgage processes
Partner Manager
State of Michigan
02.2023 - 11.2023
- Company Overview: Michigan Homeowner Assistance Fund (MIHAF)
- Take ownership of assigned cases and independently manage an application pipeline from receipt to transfer to funding
- Interface directly with the applicant, explaining Program details and validating data provided; ensure all data is entered correctly into the system of record
- Inform applicants promptly of application outcome, issue commitment or adverse action notice in accordance with HAF program guidelines
- Cancel incomplete application requests after 30 days if no progress or activity is documented
- Identify and escalate any suspected issues of non-compliance to appropriate HAF leadership or management team, the Director of Homeownership, Finance or Legal Division as needed
- Processing/Validating/Decisioning - Analyze application data, request missing supporting documents, validate applicant's ownership interest, determine type of HAF assistance requested, recommend approval or denial, estimate dollar amount requested
- Michigan Homeowner Assistance Fund (MIHAF)
Sr. Underwriter
Citizens Bank
Nashville
01.2019 - 01.2022
- Company Overview:
- Nashville, TN
- Analyze income from salaried, commissioned, self-employed, investments, and fixed income sources
- Analyze asset statements and review credit reports to determine credit patterns, current liabilities, outstanding judgments, and collections
- Reconcile findings with published guidelines to address/resolve variances and meet department performance standards
- Exceeded production expectation every month
Sr. Underwriter
LenderLive
Madison Heights
01.2012 - 11.2018
- Company Overview: Madison Heights, MI
- Underwrote Conventional, Jumbo, High Balance, USDA
- Analyze income from salaried, commissioned, self-employed, investments, and fixed income sources
- Analyze asset statements and review credit reports to determine credit patterns, current liabilities, outstanding judgments and collections
- Review of residential mortgage appraisal forms to determine credit eligibility for over 15 clients with different overlays
- Performed data input and analysis of findings in Loan Prospector, Desktop Underwriter, AUS engines and OES, USDA, delegated and manual underwriting processes
- Reconcile findings with published guidelines to address/resolve variances, and meet department performance standards
- Trained new underwriters on procedures and system
- Exceeded production expectation every month
- Worked with a private wealth management client to manually underwrite high loan amount/wealth management loans
- Madison Heights, MI
Sr. Underwriter
Chase
Troy
01.2011 - 01.2012
- Company Overview: Troy, MI
- Underwrote Conventional, High Balance, USDA
- Underwrote Senior mortgage loans for an institution in accordance with investor and portfolio requirements
- Strong knowledge of automated underwriting systems, excellent financial analytical skills, and proficient with loan documentation and compliance requirements
- Included performing income, property, and credit analysis on loan files within an established time frame
- Troy, MI
Underwriter / Mortgage Processor
Bank of America
Troy
01.2009 - 01.2011
- Company Overview: Troy, MI
- Underwrote conventional conforming loans specific to programs agency guides and credit limits
- Analyzed the loan application and made underwriting decisions based on the documents received
- Provided prompt turn time to all applications with the agreed service level
- Partnered with Loan Officers regarding files and decisions in a professional manner
- Troy, MI
Underwriter II
CITI
Ann Arbor
01.2006 - 01.2009
- Company Overview: aka ABN AMRO Mortgage/ aka InterFirst, Ann Arbor, MI
- Underwrote conforming and non-conforming loans up to $1.5 million jumbo loans
- Underwrote conventional home loans and residential investment loans within a specific programs and credit limits
- Analyzed the loan application and made underwriting decisions based on the evidence received
- Provided prompt turn time to all applications with the agreed service level
- Partnered with brokers regarding underwriting decisions in a professional manner
- Aka ABN AMRO Mortgage/ aka InterFirst, Ann Arbor, MI
Skills
- Document review
- Credit analysis
- Loan processing
- Mortgage underwriting
- Loan management
- Residential mortgage lending regulations
- Underwriting support
- Credit evaluation
- Loan application management
Timeline
Mortgage Assistant
Robert Half
08.2024 - Current
Partner Manager
State of Michigan
02.2023 - 11.2023
Sr. Underwriter
Citizens Bank
01.2019 - 01.2022
Sr. Underwriter
LenderLive
01.2012 - 11.2018
Sr. Underwriter
Chase
01.2011 - 01.2012
Underwriter / Mortgage Processor
Bank of America
01.2009 - 01.2011
Underwriter II
CITI
01.2006 - 01.2009
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