Evelyn Shaw
Indianapolis
Summary
Accomplished Mortgage Loan Underwriter with a proven track record at First National Bank of Danville, adept at enhancing underwriting efficiency through innovative software solutions. Skilled in credit analysis and documentation review, I excel in mentoring teams and ensuring compliance, while maintaining a strong focus on quality and timely loan processing.
Knowledgeable with solid background in mortgage loan underwriting. Proven track record of accurately assessing borrower risk and ensuring compliance with regulatory standards. Demonstrated expertise in financial analysis and decision-making.
Overview
1
1
Certification
Work History
Mortgage Loan Underwriter
First Bank & Trust Company
Paris, IL
2008 - 2016
- Evaluated loan applications to assess creditworthiness and compliance with regulatory standards.
- Analyzed borrower financial documents for accuracy and completeness, ensuring adherence to underwriting guidelines.
- Collaborated with loan officers to resolve issues and expedite the approval process for mortgage loans.
- Conducted risk assessments on proposed loans, identifying potential concerns and recommending solutions.
Mortgage Loan Underwriter
First National Bank of Danville
Danville, IL
1994 - 2008
- Mentored junior underwriters, providing guidance on complex cases and best practices in underwriting procedures.
- Streamlined underwriting processes by implementing new software tools to enhance efficiency and reduce turnaround time.
- Led training sessions for staff on updated lending regulations and compliance requirements, enhancing team knowledge base.
- Developed comprehensive reports on underwriting trends, contributing to strategic decision-making within the department.
- Supported business growth by identifying high-quality borrowers through rigorous evaluation processes.
- Participated in quality assurance initiatives, monitoring adherence to company policies and best practices.
- Effectively managed workload to ensure timely completion of all assigned tasks while maintaining a focus on quality.
Education
Associate of Science - Banking And Finance
The University of Illinois
Champaign01-1992
Skills
- Underwriting guidelines
- Debt-to-income ratios
- Professional ethics
- Documentation review
- Property valuation
- Loan underwriting
- Credit analysis
- Appraisal review
- Collateral evaluation
- Income calculation
- FNMA guidelines
- Residential loans
- LTV calculations
- Residential mortgage lending regulations
- Application analysis
- Residual incomes
- Asset statements
- Data interpretation
- Income verification
- Problem-solving
- Time management
- Attention to detail
- Multitasking
- Reliability
- Excellent communication
- Self motivation
- Income evaluation
- Creditworthiness determination
- Credit history review
- Computer literacy
- Professionalism
- Document analysis
- Complaint handling
- Document review
- Loan file maintenance
- Basic mathematics
- Complex Problem-solving
- Time management abilities
- Application review
- Professional demeanor
- Problem-solving aptitude
- Loan closing
- Automated underwriting system (AUS)
Certification
- Certified Mortgage Loan Underwriter from FNMA
- Certified Mortgage Loan Underwriter form USDA Rural Development
Timeline
Mortgage Loan Underwriter
First Bank & Trust Company
2008 - 2016
Mortgage Loan Underwriter
First National Bank of Danville
1994 - 2008
Associate of Science - Banking And Finance
The University of Illinois