Shilo C. Email & Phone Number

United States

South Ogden, Utah, United States

DE Mortgage Underwriter and serving in a Regulatory Compliance role for the Mortgage Department.

South Ogden, Utah, United States

Mortgage Underwriter of conventional, FHA, VA, lot, jumbo, ARM, and construction loans; appraisal reviewer. Manage the receipt, tracking, and assignment of all mortgage loans submitted to underwriting each day; oversee the 24-hour turnaround time KPI for all underwriters. Subject matter expert in self-employed income, business tax returns, and cash flows, investment properties and rental income, expertise in adhering to investor and agency guidelines, automated underwriting as well as manual loan underwriting. Responsible for creating and maintaining underwriting job aids and worksheets in accordance with applicable guidelines and credit union policy. Have created the credit union’s underwriting, self-employed income analysis, and rental income analysis excel spreadsheets. Implemented an ongoing critical feedback survey for the collection and data analysis of underwriter KPIs. Provide guidance, training, and mentorship to the other underwriters, loan officers, and processing staff.

Draper, Utah, United States

Initially hired as a Collector of personal loans in the Marcus division, subsequently promoted to Analyst to assist with the launch and implementation of the Apple credit card; one of five manual credit underwriters responsible for overseeing, managing, and underwriting credit lines for high-net-worth individuals and credit line increases that were unable to be decisioned automatically. Also managed and resolved escalated consumer complaints relating to the denial of credit lines and credit line increases through direct communication with the consumers.

Williston, Vermont

Managed the residential foreclosure portfolio across six states mostly comprised of in-house loans but also including a small portfolio of Fannie/Freddie loans, oversaw the residential Loss Mitigation Program which included underwriting residential mortgage loan applications, running a weekly meeting with senior management to present recommendations and discuss strategy for the loans in foreclosure and in loss mitigation.

South Burlington, Vt

Handled the residential foreclosure and REO portfolios working directly with attorneys, property managers, realtors, and auctioneers, created and maintained the collections procedures in accordance with bank policy and applicable regulations, managed the daily overdraft operations for all branches and groups including retail, commercial, and government, assisted the Mortgage Department with underwriting home equity loan applications, assisted the Risk Department with CTR/SAR review and reporting, and resolved all direct/indirect via e-OSCAR credit reporting disputes including the filing of AUD/ACDV forms, reported charged off accounts to eFunds/Qualifile as well as worked directly with the affected customers on mutually beneficial resolutions.

Burlington, Vt

Originally hired as a Teller, worked my way up to positions in Document Retention and Loan Servicing, last position held was Collections Administrator: handled bankruptcy filings, small claims court cases including attending court hearings and presenting the credit union’s case to a judge, handled repossessions, charge offs, and more.