⚜Determined and calculated consumer lending specialist with over five years of experience in mortgage loan processing, underwriting, and a background in financial account management, income assessments, credit reports, bank statements, titles, and collateral documentation analysis to contribute to sound credit decisions based on service level and turn-time standards.📊Extensive field experience within loan process policy and law contributing to advanced analysis and accurate underwriting to streamline the verification and decision-making processes.📊Documented success in Conforming, Non-Conforming, FHA, Jumbo, VA, and other loan types with an understanding of underwriting guidelines and approval/denial best practice.⚜Areas of Expertise including but are not limited to the following:✅Loan-to-Value Ratios ✅Debt-to-Income Ratios✅Loan Processing✅Critical Thinking & Judgement✅Teamwork & Collaboration ✅ARMs✅Multitasking & Prioritization✅Credit & Income Analysis✅Business Ethics✅Account Service Excellence✅Problem Solving✅Financial Research✅Microsoft Suite✅Agency and Investor Guidelines