Flexible, with the ability to learn new things seamlessly, working in a range of Underwriting roles as business needs required. Responsibilities have included underwriting Home Equity Line Management applications to determine whether our borrower qualified to reinstate their Home Equity Line of Credit, then transitioned to Retail Mortgage Refinances analyzing and reviewing credit applications, credit bureau information, collateral valuations, tax returns, financial statements, and other supporting documentation to recommend or approve requests. Since April 2022, was added to a Special Underwriting project that involves recreating Loan Modification decisions manually, to confirm the original decision, working across all major Investors. • Analyze, review, and use critical thinking skills to make decisions on products within the company and industry guidelines. • Strong detail-oriented skills enable me to identify the needs of both our customer and our underwriting requirements upfront, to ensure a smooth and timely process.• Effectively manage and process a pipeline of loans within strict timelines and accuracy ratings.• Ensure conformity with credit policies and bank procedures. • Make decisions in circumstances requiring solid understanding of the mortgage processes or tasks that help my Underwriting team to meet its initiatives.• Collaborate and consult with management to resolve problems and achieve objectives.• Mentor less experienced staff when requested by management. 2nd Level Peer Reviewer to assure quality standards of 1st Level Underwriting Reviews.• Proficient in MS Office

Responsibilities included a range of pre-qualifying applicants, processing applications, pre-underwriting, Closings, using strong communication skills to keep everything and everyone on a tight schedule. • Pre-Qualified potential customers to obtain financing for primary, secondary and investment Tiny Home purchases in a large portion of the United States. • Requested all pertinent income and other related documents for our different Lenders, based on the Borrower’s needs, credit ability, and location for delivery. • Built relationships with each customer from the start of the application. Made contact weekly and was the main point of contact between our Build team, Customer, and the different process departments with the Lender. • Responsible for preparing each states specific Title documents and overnighting the Closing package from the Lender to the Borrower, to get signed and notarized and sent back to the Lender within a speedy timeframe. • Achieved consistent record setting Lender Funding’s within 1-2 days of Delivery, by keeping the Borrower on track for signing their Closing documents and following up with their final Lender Welcome Calls and signed Delivery Certification forms proving delivery.

• Called applicants to go over conditional approvals, including educating them on the Home Equity Line of Credit product, rates, fees, discounts, and the Fixed Rate Advance feature. • Educated applicant to have the best understanding of options and benefits that fit their needs. • Requested the proper income documents to start the underwriting process and complete an initial income underwriting analysis and the 5Cs of credit. • Built relationships with each customer from the start of the processing, contacted weekly, and was the main point of contact between customer, branch, and underwriting team. • Provided the customer with final closing information and set up closings with the Banker’s at the branch or with a mobile notary. • Assisted customers that called in to get information about current applications in process. • Routinely awarded for attaining top Customer Loyalty from customers through Loyalty Survey that goes out after funding, and top booked and funded units each month.• Strong voice and leader on Bridge team that was able to make positive changes to processes for customers, and for teams throughout the entire Home Equity department.