Elizabeth Gerlach Email & Phone Number

Tempe, Arizona, United States

Selected for high-profile assignment to identify and correct multiple issues. Improve internal controls resulting in the successful enhancement of critical business processes and/or the execution of high priority initiatives.• Evaluate individual decisions separately by interpreting polices, manually calculating computations to determine impact of identified issues.• Analyze, review, and use critical thinking skills to make decisions on products within the company and industry guidelines.• Write procedures and document logic for each decision while ensuring documentation consistently meets company and industry guidelines.Underwriting Associate (Safe) March 2020 - March 2022Analyzed the credit worthiness of borrower request for mortgage loans in accordance with policies and procedures.• Provided feedback to appropriate contacts regarding identified document deficiencies or issues including identification of inconsistencies.• Ability to work independently with minimal direction; strong ability to exercise independent judgment and apply risk mitigation principles.• Lead peers in days from initial to final disposition of 24 days.

Chandler, Arizona, United States

Credit Bureau Operations Wells Fargo Auto: Researched and remediated consumer credit disputes by verifying credit reporting information to Wells Fargo Source of record.

Short term contact: 1 -18 to 3 -18 Document Specialist/ Early Warning 4 -17 to 6 -17 Operations Specialist/ Edward Jones 10 -16 to 9 -16 Loan Partner/ Waterstone Mortgage

Certified to process Texas mortgages, cash out and rate and term products. Secured and analyzed required documents and validations to meet underwriting requirements for approval.• Strength shown in exhibiting a positive attitude and flexibility during times of challenge and change.

St Louis Park, Mn

Skilled in risk, credit, cash flow and collateral analysis scoring 90% or greater to earn underwriting authority. Collaborative communication regarding process and transaction quality. Provided feedback to appropriate contacts regarding identified document deficiencies or issues including identification of inconsistencies.• Provided credit decisions to meet company service level agreements and in compliance with Federal, State and company regulations and guidelines.

St Louis Park, Mn

Mortgage processor and closer for FHA, VA, Conventional, Jumbo and HARP loans. Responsible for excellent customer relations and service from receipt of application to funding.

Bloomington, Mn

Operations Supervisor for Intuitional Business Channel. Supervised 9 associates. Fostered an atmosphere of teamwork and process improvement by providing associates with direction and guidance in workflow, conflict resolution, and dealing with difficult situations. Personnel experience included recruiting, interviewing, hiring, onboarding, training, directing work, and evaluating performance.• Led team through transition and record volumes by setting a positive example and finding resources to help associates manage the change of expectations.• Effective alignment of clients and projects by assessing strengths, skills, and knowledge of associates.• Maintained corporate service level agreements to ensure quality customer service for both our internal and external customers.• Participated in special projects: PIT Crew (process improvement transition), post funding, Flow/Bulk process, and RMS.

Minnetonka, Mn

Senior Data Specialist/Department Manager (promotion)• Managed daily workload and assignments for multiple teams: Reception, Data Entry, Data Integrity, and Funding.• Increased company’s profit margin at securitization by consistently maintaining 98-100% integrity Evaluated the quality and efficiency of the employees and workload of department.• Provided mentoring to less experienced staff enabling their development to consistently meet company quality standards of product and service.Lead Data Integrity Specialist: (promotion) • Utilized skill in risk assessment to review loan data prior to funding for compliance and accuracy of information into company’s system of record.• Recognized for improved data integrity to 98-100% accuracy.• Held loan approval authority to $100,000.Staff Underwriter • Utilized skill in risk assessment to approved, denied and counter offered loans.• Managed and enhanced originator relationships through effective communication of underwriting decisions and policy changes.• Document accurately conversations regarding originators compassion, market, alternative investors, and volume.

Assistant Branch President/Manager• Effectively handled all aspects of branch operations including pre-employment screen, interview, training, and review.• Worked directly with brokers to increase loan volume by providing quality service, education, and meeting goals.• Executed the necessary duties and recommended action to preserve and maintain less than 2% delinquency in 17-million-dollar branch: to include foreclosure and other legal action.Quality Assurance Manager - Managed quality assurance of Federal, State, and company regulations and guidelines

Gym manager and trainer: European Health Spa (1/84 to 12/85) International Fitness (1/88 to 7/88)Retail Store Department ManagerLevitz Furniture Store (12/85 to 1/88)