Underwriter Resume
Iris Wong
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SUMMARY
Results driven professional with a strong background in operations support/management, data research/analysis, and customer relations building and retention. Accustomed to a fast-paced environment where deadlines are a priority and handling multiple jobs simultaneously is a requirement. Proactive and energetic self-starter, effective working both independently and as a team member.
EXPERIENCE
BNC Mortgage/A Lehman Bros Company, Concord, CA.
Senior Underwriter
Analyzed all documents included in wholesale loan packages before extending credit to borrowers.
*Prevented loss by correctly structuring and pricing all loans. Ensured that all files included detail notes that supported final decision.
*Remained in contact with mortgage brokers regarding loan status which improved customer service and business relations.
Fremont Investment and Loan, Concord, CA. -
Assistant Operations Manager ( - )
Supervised team of underwriters, account managers and processors. Provided individual coaching and positive reinforcement to keep employees focused on team goals and maintained positive morale.
*Assisted sales executives and customers with structuring loans, interpreting underwriting guidelines/procedures and pre-qualifying files.
*Monitored daily pipeline of loans processed, approved and funded. Randomly audited files to ensure proper grading, pricing and documentation.
*Mentored new underwriters and sales executives on company guidelines/procedures and team file flow.
*Second signed loans up to $K, approved loan conditions and granted policy exceptions as appropriate.
Senior Underwriter ( - )
Carefully analyzed loan applications, income documents, property appraisals, credit bureaus, and title reports to make sound credit decisions while following company and investor guidelines.
*Underwrote five plus new wholesale loan submissions per day. Reduced company losses by verifying data included in loan submission packages met company guidelines and reported any questionable findings to center compliance manager.
*Worked closely with other team members to clear loan conditions within - hours to ensure loans closed within days of origination.
AmeriCredit Financial Services, Daly City, CA.
Area General Manager ( - )
Managed a new branch office with a monthly portfolio exceeding $ million. Developed monthly marketing schedule to ensure maintenance of effective business relationships and development of new business opportunities.
*Opened new branch office after increasing sales in under developed area. Hired and oriented new employees to company guidelines.
*Reviewed credit data in detail, granted policy exceptions as appropriate and approved loans up to $K.
*Conducted weekly team meetings to review company policy changes, discussed new strategies to increase business and improve process.
Assistant Area General Manager , San Francisco and San Jose ()
Reviewed and decision credit applications while ensuring compliance with company policies and procedures. Maintained contact and communication with other company departments, as well as automobile dealers and other finance and credit sources.
*Marketed franchise auto dealerships to brand company product and name. Increased sales in under developed area which resulted in new branch opening and promotion.
*Ensured funding team completed proper employment and insurance verifications on all retail contracts.
WFS Financial Services, Concord, CA/Portland, OR.
Operations Training Specialist, Portland, OR ()
Promoted from Sr. Customer Service Representative and relocated to Portland, Oregon. Became knowledgeable of company procedures and policies for states of Oregon, Washington, Idaho and Utah.
*Trained all new customer service representatives on daily job functions that included payment processing, loan doc preparation and retail contract funding.
*Assisted branch personnel with system account maintenance, cash drawer balancing issues, and interpreting company guidelines.
*Conducted semi-annual, internal audits for offices to ensure that all branch personnel followed company procedures to minimize loss.
Senior Customer Service Representative ()
Involved in all aspects of customer service including solving problems, establishing and accessing customer accounts, and performing credit evaluations.
*Assisted with credit underwriting for direct and indirect lending. Prepared and processed direct lending documents.
*Verified all information obtained on credit applications via phone or written correspondence prior to loan approval.
EDUCATION/PROFESSIONAL DEVELOPMENT
Contra Costa College - Currently pursuing BA/Marketing
Pinole Valley High School - High School Diploma
Company sponsored courses:
CLEAR Manager Graduate
Time Management
Employee Coaching
Problem Solving
