Avp Sr. Mortgage Underwriter
• Review and analyze mortgage applications to assess risk, ensuring compliance with company policies, underwriting guidelines, and regulatory requirements with Credit approval authority sufficient to Secondary Mortgage Market Limits. • Underwrite HELOC’s, HELOANS and Non-Conforming portfolio’s loans with credit authority limit up to $500,000. • Received positive feedback from Senior Management, processors, borrowers for providing exceptional service, clear communication, and timely responses throughout the underwriting process.• Mentored and trained junior underwriters, leading to their professional growth and improved team performance. I reviewed the pipeline report daily which quantified quicker loan decisions. • Ensured strict adherence to regulatory guidelines and company policies, leading to zero instances of non-compliance or regulatory penalties. Decision-ed 40-50 loans monthly. • Led efforts to standardize underwriting processes across multiple branches, ensuring consistency and efficiency in decision-making. Branch Managers utilized me as their primary contact for assistance.• Spearheaded FHLB Grant applications for Easthampton Savings Bank, Hometown Bank and Abington Bank to secure and obtain grant funds up to $25,000 per applicant. Last year resulted in thirty loan approvals.
