Celine A. Email & Phone Number

• Analyze credit, income, compliance, title documents and appraisals during underwriting process.• Evaluate loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.• Determine and document loan conditions and communicate requirements and decisions.• Follow through with loan processors, loan originators and manage all phases of underwriting process.• Leverage knowledge of loan products to help restructure turndown loans for subsequent approvals.• Manage a daily pipeline of 30-35 loans.

• Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.• Set up and completed loan submission packages.• Reviewed credit report and other liability documentation.• Calculated income and assets from statements and supporting documents.• Interpreted tax returns including self-employed and Schedule “C” income.• Proficient in analyzing the title report, purchase contract, HOA, homeowner’s insurance and identifying potential fraudulent or suspicions information.• Responsible for re-disclosing LEs, and other required disclosures.• Provided support for the Regional Processing Manager when they are unavailable or out of the office• Coordinated closing process with attorneys and title companies.• Processed a minimum of 45+ loans a month and additional loans as needed.

• Reviewed submissions for completeness of documentation required for loan approval.• Prepared and reviewed Initial Disclosures.• Analyzed all types of income documents (i.e. tax returns both business and personal, paystubs, W2, 1099s) to accurately determine Debt to Income ratio.• Pulled credit reports, ordered appraisal, condo documentations, subordination agreement, title, insurance, and VOE's.• Submitted all eligible files through DU/LP for automated approval prior to submitting other lending institutions.• Point of contact for Loan Officers and/or Borrowers.• Conducted weekly pipeline review meetings with Loan Officers.• Processed a minimum of 35+ loans a month and additional loans as needed.• Processed VA, FHA, Jumbo and Conventional loans.

Lincoln, Nebraska Area

• Managed and prioritized the general manager’s schedule to ensure that his time is focused on critical, strategic issues• Managed an active calendar of appointments • Handled all travel reservations• Answered and screened telephone calls in a courteous manner while taking messages with a high degree of accuracy• Organized weekly meetings and their logistical elements such as scheduling, preparing the facility and organizing handouts for attendees• Performed a variety of accounting activities, such as preparing check requests, expense reports, purchase orders and invoices• Scheduled all loading and unloading appointments by maintaining proper communication and cooperation with drivers, customers, and coworkers• Assisted in drafting and processing Human Resources paperwork• Reviewed daily production schedules in order to provide progress reports to customers• Strategized and executed performance-driven online marketing program to increase traffic and generate sales• Exhibited comprehensive analytics and business intelligence knowledge by translating raw social data into actionable strategic output• Greeted walk-in customers and determined to whom and when they could speak with specific individuals • Developed an SEO-centered content strategy for the launch of new website, increasing page views by 38%

Master Of Business Administration (M.B.A.), Logistics, Materials, And Supply Chain Management

Bachelor Of Science (Bsc), Accounting, Actuarial Science, Finance