Joseph Miller Email & Phone Number

Charlotte, North Carolina, United States

Charlotte, North Carolina, United States

• Applying ample due diligence and risk mitigation techniques to manage a large pipeline of home mortgage loan applications, as an Underwriting Associate.
• Maintaining accountability for reviewing title reports, credit reports, tax returns, property valuations, & other documents to determine eligibility for conventional mortgage loans.
• Improving daily operations through the training and mentorship of new and existing staff.
• Achieving compliance with industry, government, and Wells Fargo Home Mortgage guidelines and policies by reviewing complex documentation to assess and identify risk.
• Executing audits to promote adherence to Fair Lending laws while ensuring no lending opportunities are overlooked.
• Exceeding expectations in quality, loyalty, and production while increasing credit authority.

Charlotte, North Carolina, United States

• Maintained responsibility for analyzing applicants’ credit, income, and collateral to determine eligibility for conventional loans.
• Leveraged knowledge of banking and lending regulations to perform complex documentation reviews, credit analysis, and risk assessments.
• Fostered meaningful relationships with leadership and business partners across the organization, promoting an environment of synergy and comradery.
• Showcased aptitude in articulating detailed rationales for eligibility while ensuring compliance with internal risk controls and regulatory guidelines.

Charlotte, North Carolina, United States

• Managed multiple accounts with ample due diligence and accuracy while steadfastly meeting or exceeding goals (including being a top-quality producer for 2017).
• Assessed credit, income, and collateral to determine eligibility for conventional loans.
• Enhanced quality and efficiency through the incorporation of checks and balances.
• Leveraged government, agency, and company policies to formulate eligibility decisions.
• Assisted team members with questions via email, phone, and face-to-face interactions.

Charlotte, North Carolina, United States

• Oversaw a fluctuating pipeline of multiple mortgages while meeting or exceeding goals.
• Spearheaded the investigation of multiple policies, procedures, and programs to find the most beneficial qualifying workout solution.
• Analyzed financial documentation to determine workout solutions.
• Coordinated with teammates to establish innovative strategies to improve efficiency.

Charlotte, North Carolina, United States

• Managed multiple files simultaneously through spreadsheets and notes.
• Selected by management to help establish a consistent and accurate procedure to transition files through different levels of the reviewer’s pipeline.
• Demonstrated leadership in assisting new teammates in acclimating to their positions.

Charlotte, North Carolina, United States

• Audited loan documentation to help modify a defaulting home mortgage.
• Showcased the ability to analyze a wide range of documents for accuracy and completeness.
• Enhanced efficiency by keeping multiple files moving forward on schedule.

Charlotte, North Carolina, United States

• Selected by management to represent the Loan Documentation Team on the Loyalty Committee to help develop practices to improve customer service.
• Tasked with stepping in to manage escalated calls with agitated customers.
• Chosen to participate in a 2-week underwriting training course to extend knowledge of corporate guidelines, the entire refinance process, and documentation reviews.
• Mentored and trained co-workers, acclimating them to their new job role.

Post Graduate Courses In Education & Economics

Bachelor Of Arts - Ba, History