Summary
Overview
Work History
Education
Skills
Timeline
Generic

Joseph Smith

Hagerstown

Summary

Adept at reducing risk and enhancing customer satisfaction, I leveraged expertise in underwriting guidelines and teamwork at Wells Fargo. My role in automating document flow and mentoring junior underwriters underscores my commitment to professional development and quality assurance, aligning with industry best practices and regulatory standards.

Skilled at reviewing documents such as appraisals and income statements to assess risk of each loan request. Excellent judgment with in-depth understanding of individual loan requirements.

Personable and analytical with solid understanding of financial principles and creditworthiness assessment. Adept at evaluating loan applications and utilizing risk management and financial analysis skills. Committed to ensuring sound lending decisions that benefit both clients and organization.

Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence.

Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.

Pursuing full-time role that presents professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise.

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

29
29
years of professional experience

Work History

Consumer Loan Underwriter

Wells Fargo
08.2002 - 06.2024
  • Reduced risk exposure for the company through thorough analysis of existing borrower's current credit history, income, and collateral capabilities.
  • Utilized many internal and external applications to validate and qualify home mortgage loan borrowers, resulting in document flow automation.
  • Maintained in-depth understanding of Private Lenders, USDA, FHA, VA, FNMA, and FHLMC loan requirements.
  • Assisted in developing training materials for new underwriters, fostering a collaborative team environment focused on quality assurance and professional development.
  • Continuously updated knowledge on industry trends and changes in regulatory requirements, ensuring accurate decision-making in line with current best practices.
  • Mentored junior underwriters by sharing expertise in credit analysis and risk assessment, fostering a team-oriented approach to achieving company goals..
  • Traveled to Workshops held throughout the United States to meet with existing borrowers to help modify their loans based on their recent hardships.
  • Enhanced customer satisfaction by delivering clear explanations of loan terms and conditions, addressing any concerns or questions promptly.
  • Conducted due diligence on potential investments and presented findings to investors.

Pre-Arbitration

First Data Corp
10.1995 - 08.2002
  • Self-motivated, with a strong sense of personal responsibility.
  • Worked effectively in fast-paced environments.
  • Skilled at working independently and collaboratively in a team environment.
  • Proven ability to learn quickly and adapt to new situations.
  • Excellent communication skills, both verbal and written.
  • Worked well in a team setting, providing support and guidance.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Paid attention to detail while completing assignments.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Demonstrated strong organizational and time management skills while managing multiple projects.

Education

No Degree - General Education

Hagerstown Community College
Hagerstown, MD
01-2030

High School Diploma -

North Hagerstown High School
Hagerstown, MD
06-1990

Skills

  • Title searches
  • Underwriting guidelines
  • Debt-to-income ratios
  • Loan structuring
  • Income verification
  • Financial history reviews
  • Appraisal reviews
  • Documentation review
  • Teamwork and collaboration
  • Customer service
  • Problem-solving
  • Attention to detail

Timeline

Consumer Loan Underwriter

Wells Fargo
08.2002 - 06.2024

Pre-Arbitration

First Data Corp
10.1995 - 08.2002

No Degree - General Education

Hagerstown Community College

High School Diploma -

North Hagerstown High School
Joseph Smith