Joy Wilhelm
Mortgage Underwriter | SBA, Conventional & Reverse Loans | Ensuring Regulatory Compliance & Risk Mitigation
- Role
- Loan Specialist at U.S. Small Business Administration
- Location
- Jamestown, OH, US
- LinkedIn followers
- 500 followers
About Joy Wilhelm
Underwriting and mortgage lending professional with 20+ years of experience in origination, credit/income/risk analysis, and regulatory compliance. Adept at managing complex loan transactions and navigating purchase contracts to ensure timely closings and customer satisfaction.Recognized for streamlining processes that boosted efficiency by 15%, and for applying innovative solutions to reduce risk and enhance portfolio performance. Approachable and detail-oriented, with strong financial acumen and a client-first mindset. Thrive in fast-paced, high-volume environments where precision and adaptability are key.
Experience
Loan Specialist
U.S. Small Business Administration
Jul 2023 — Present · US
Education
Shawnee State University
Bachelor of Business Administration, Accounting
Skills
- Loss Mitigation
- Income Analysis
- Finance
- Loan Servicing
- Mortgage Underwriting
- Consumer Lending
- Financial Services
- Loan Modifications
- Multi-Family Investment Properties
- Construction Loans
- Commercial Lending
- Compliance
- Investment Properties
- Real Estate Financing
- Appraisals
- Va Loans
- Fha
- Refinance
- Fannie Mae
- First Time Home Buyers
- Government Loans
- Banking
- Risk Assessment
- Loan Origination
- Credit Analysis
- Fixed Income Analysis
- Residential Mortgages
- Credit
- Closings
- Freddie Mac
- Financial Analysis
- Underwriting
- Financial Risk
- Mortgage Lending
- Home Equity Loans
- Reverse Mortgages
- Loans
- Mortgage Banking
- Colleteral Review
- Multi Family Properties
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