Cheneta Hughey
Consumer Loan Underwriter (Mlsrid 1399072) @Wells Fargo
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WORK HISTORY
Consumer Loan Underwriter (Mlsrid 1399072) @Wells Fargo
Analyzed credit portfolios for clients to suggest viable options for future success planning.•Established rapport with customers to achieve the WOW service Wells Fargo is known for helping the team to accomplish a record of excellent customer service and quality which resulted in an increase in customers choosing our sales locations. Personal QIS rating > 90% since hire date, Site Rated #4 in Quality in the Nation for Wells Fargo. Winner of Wells Fargo Team Excellence Award. Achieved sales and performance goals resulting in monthly payout since hire date.•Assisted team members with compliance and daily functions required to prevent fraud and loss to the company.•Underwrote moderate to difficult individual consumer loans within company and industry guidelines by thoroughly analyzing financial statements, credit reports, applicable ratios (DTI, LTV/CLTV) and supporting documents.•Collaborated with partners to gather information to make appropriate decisions on home loans using the tools available i.e. Ncyclopedia, LIS, LIV & HUD website resulting in minimum errors while keeping in line with quality and production goals.•Trained Processors on reviewing title, evaluating credit applications (1003), HUD, credit reports and bank statements.
EDUCATION
Kaplan
Licensed, Insurance
North Carolina Agricultural and Technical State University
B.S, Accounting
ABOUT CHENETA HUGHEY
SUMMARY OF QUALIFICATIONS:9+ years of processing & underwriting *Automated underwriting experience of conforming & non-conforming loan program guidelines in accordance with Fannie Mae, Freddie Mac, FHA, & Lender-Specific Portfolio loans * Skilled in managing multiple tasks, problem solving & administering solutions * Proven ability to work independently or on a team * Experience in fraud detection, qualitative & quantitative credit, income, assets, collateral analysis, & compliance skills * Easily interact with diverse staff & clients of all levels * Able to learn & adapt quickly to new environments * Proven record for successful documentation in closing commercial & residential transactions * 15+ years of sales experience in real estate & leasing * 3+ years of training team members on processes * Completed BPOs for financial institutions Specialties: accountancy, active directory, administration, advertising, as set, budget preparation, cisco routers, computer hardware, contract management, customer relations, customer service, database administration, direct marketing, documentation, financial statements, forecasting, framing, inventory management, jd edwards, marketing materials, microsoft exchange, microsoft office, network servers, network support, networking, novell, personnel management, presentation skills
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