Jessica Day Email and Phone Number
Hello, my name is Jessica Day and I am a seasoned Senior Mortgage Underwriter with a proven track record of meticulous risk assessment and decision-making in the lending industry. With over twenty years of real estate and mortgage expertise, I specialize in evaluating complex mortgage applications, ensuring adherence to internal policies, investor guidelines, and regulatory compliance. My ability to navigate intricate financial scenarios, coupled with a sharp eye for detail, has consistently resulted in sound credit decisions that mitigate risk while optimizing opportunities for lending success. I am adept at effectively collaborating with diverse teams, providing mentorship, and fostering a culture of excellence in all banking practices. My goal is to drive sustainable financial and lending outcomes, uphold the highest standards of quality, and contribute to the continued success of loan operations."
Navy Federal Credit Union
View- Website:
- navyfederal.org
- Employees:
- 23742
-
Senior Mortgage UnderwriterNavy Federal Credit UnionJacksonville, Fl, Us -
Assistant Underwriting ManagerGlory Mortgage Jan 2023 - PresentJacksonville, Florida, United States• Lead point of contact for all mortgage escalations, multi pack loans and complex businesses by providing upper level exceptions for all files submitted to the help desk• Provide training and second reviews to a team of seven underwriting professionals responsible for providing quality loan decisions on a variety of mortgage related products, FNMA/ FHLMC/ Non-QM/ Jumbo/Manual• Audit all team workflow and analyze performance data to ensure quality assurance and compliance are met within the contracted SLA protocol for successful loan sale on the secondary market• Maintain positive business relationships between clients, vendors, legal, management and internal staff providing highest level of quality care leading to 100% exemplary customer reviews and satisfaction surveys -
Ultra High Net Worth Mortgage Underwriter (Jumbo)Ubs Jan 2020 - Dec 2022Ultra High Net Worth Underwriter, UBS Wealth Management via Computershare LLC• Manual underwriting for all non-conforming portfolio loan products exclusive to private wealth clients with assets in excess of $50mm, Level 6 credit authority with $10mm loan signoff • Achieved and maintained 100% quality performance rating for most recent 24 months of audits• Chosen as subject matter expert for complex tax returns, LLCs , trusts and other intricate financial instruments• On boarded and trained five full time remote jumbo underwriting employees during pandemic resulting in a 30% increase in our total turn around time -
Senior Mortgage UnderwriterMortgage Guaranty Insurance Corporation Feb 2015 - Jan 2020Jacksonville, FlSenior Mortgage Underwriter, MGIC• Responsible for discerning and rendering credit decisions on conforming mortgage loan applications consistent with internal policies and investor guidelines as established by FNMA and FHLMC • Review and analyzes all required documentation and determines whether additional verification or analysis is needed in cases where information may be questionable • Make decisions to accept, suspend, or decline loans or MI coverage. May submit loans for second review before notifying appropriate parties of resulting loan decisions • Providing work direction, feedback and training to underwriting staff -
Platinum Purchase UnderwriterBank Of America May 2008 - Feb 2015Jacksonville, Fl• Responsible for reviewing complex consumer files for platinum privileged borrowers to render a credit/collateral decision that complies with investor and industry guidelines as well as internal overlays• Assisting with re-negotiations of loans based on lending guidelines, serving as a subject matter expert on difficult problems and questions• Proficient in DU, interpreting elaborate mortgage documents and financial statements, and calculating all applicable ratios (i.e. Debt ratios, loan-to-value, etc.)• Hand selected by management to participate in a pilot Platinum Privileged Purchase Program where all files must be reviewed, processed, approved and closed in less than 30 days. Exceeded all quality metrics.
Jessica Day Education Details
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Florida State College Of Jacksonville4.0 -
Florida Real Estate InstituteReal Estate
Frequently Asked Questions about Jessica Day
What company does Jessica Day work for?
Jessica Day works for Navy Federal Credit Union
What is Jessica Day's role at the current company?
Jessica Day's current role is Senior Mortgage Underwriter.
What schools did Jessica Day attend?
Jessica Day attended Florida State College Of Jacksonville, Florida Real Estate Institute.
Who are Jessica Day's colleagues?
Jessica Day's colleagues are Rich Byrne, Jasmon Mitchell, Benjamin Romulus, Alessia Contino, Jaylyn Bullard, Jillian Blazek, Kathy Andino.
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