Zoe Bowman Email & Phone Number

• Developed quality control loan review process for conventional mortgage loans in a fast paced, fully virtual, tech startup environment. • Completed prefunding quality control audits on a sample of all loans underwritten. Ensured loans met company, investor and compliance regulations. • Analyzed trending data of loan quality issues and presented findings to operations team leadership via written report and virtual meeting. Identified recommendations and created action plans to solve ongoing issues. • Identified and investigated potential mortgage fraud.

Troy, Michigan

• Completed a minimum of 8 initial underwrites daily including analysis of income, credit, assets, and collateral. Underwrote loans across all 50 states and have detailed knowledge of state specific laws applicable to mortgages. • Managed all conventional loans for a top five company account and developed a strong business relationship through consistent communication via phone and email and excellent client service.• Fulfilled company service level agreements and turn times for initial underwrite reviews, loan denials, email responses and subsequent file uploads. • Always exceeded company loan quality goals and promptly trained on new investor guidelines, products, and company processes. • Audited loan files for peers and provided written feedback on any errors cited. Also performed targeted peer audits for P&L income calculations, trust documentation and assets. • Completed collateral review including FHA appraisals. • Notable achievements: Ranked #2 Senior Underwriter for all of 2020. Promoted to Senior Underwriter in June of 2019. Received DE in May of 2021.

• Worked independently in a small, locally owned business. • Assisted customers with valuable product information, made purchasing and pricing decisions, and created window and in-store displays.

• Assisted all professors in the political science department with class preparations and individual research. • Performed day to day operations such as copying, scanning, answering phone calls, data entry and calculations, and greeting and directing office guests.

• Assisted in research and translation with the Cuban documentary filmmaker, Gloria Rolando.

• Prioritized and worked quickly under pressure to serve customers.• Provided excellent customer service.

• Attended and contributed to weekly developmental meetings. • Completed daily reports including incident reports, deposit forms, staff evaluations and assisted in developing weekly training sessions.

• Worked closely with coworkers and managers during busy shopping days including Black Friday and the day after Christmas to ensure customer satisfaction. • Exceeded sales targets during all shifts.

• Maintained patron safety by communicating pool rules and performing emergency rescues.• Worked effectively as part of a large team of coworkers. • Received a final evaluation of 10 out of 10 by management.

Bachelor Of Arts (Ba), Economics And Spanish, 3.53

Activities and Societies: Minor in Mathematics, Varsity Swim Team, Senior Thesis on Paired Kidney Exchange in the US.Study abroad.

Diploma, 3.98

Activities and Societies: Varsity Swim Team, National Honor Society, Valedictorian, Theater