Sharon A. Email & Phone Number

Life/Health

• ANALYZED RISK: Responsible for the issuance of mortgage insurance on mortgages for one-to four family loans to determine if a property is an acceptable risk, and to determine the credit eligibility of the mortgagors.
• PROJECT MANAGEMENT: Reviewed other Direct Endorsement underwriter deficiencies to clear loans for purchase utilizing teamwork and assisting in default resolution and re-underwriting as needed thereby reducing cost.
• ATTENTION TO DETAIL: Ensured the system of record matches submitted documentation to support loan approval/denial conclusions of income received, assets provided and acceptable collateral.
• Audited loans in a post closing/purchase capacity to ensure complete file submission.
• EXCELLENT COMMUNICATION: Served as subject matter expert by having the ability to break down difficult concepts of income, property disposition or contractual concepts to other parties involved via written or verbal.
• SELF MANAGEMENT-Achieved highest level of service by utilizing a task driven pipeline management style focused on time sensitive and or date driven expectations of performance to meet internal and external goals

• Successfully balanced risk against profitability, yielding an 11% increase in overall net profit for the underwritingdepartment, while maintaining a default rate below 2% on approved loans
• Led and mentored junior team members, contributing to a 17% improvement in their decision-making accuracy
• Successfully achieved a 21% reduction in escalated cases within a six-month period, demonstrating proactiveproblem-solving and effective resolution skills
• Proactively managed the pipeline, achieving an average loan processing time of 15 days, well below the companystandard of 20 days, leading to a 28% reduction in loan application backlogs
• Conducted meticulous analyses of submitted documentation, leading to a decrease in loan application rejectionsdue to incomplete or incorrect documentation
• Exceeded department production goals by consistently achieving a monthly average of 150 loan approvals,surpassing the target of 120 approvals