Melissa Suhr
Parker
Summary
Dynamic underwriting professional with extensive experience in mortgage loan assessment, specializing in FHA, VA, and conventional loans. Proven expertise in risk analysis and compliance, delivering exceptional service to clients. Eager to contribute skills in a challenging role that fosters growth and innovation within a forward-thinking organization. Committed to maintaining high standards of accuracy and efficiency in all underwriting processes.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Mortgage Processor
Canvas Credit Union
05.2024 - Current
- Optimized workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.
- Collaborated closely with underwriters to expedite loan approvals, resulting in increased productivity.
- Reduced loan application processing time by diligently reviewing and verifying applicant information.
Research Associate
Specialized Home Servicing/Computershare
12.2023 - 05.2024
- Completed intake and posting duties in the cash room. Responsible to track checks that the cashiering team and other teams cut. Keyed in wires and completed wire balancing. Completed HELOC reversals, postings and adjustments.
Cashiering Associate
Addeco Staffing Agency
12.2022 - 12.2023
- Completed intake and posting duties in the cash room. Responsible to track checks that the cashiering team and other teams cut. Keyed in wires and completed wire balancing. Completed HELOC reversals, postings and adjustments. This was a temp position where I worked for Specialized loan Servicing who subsequently hired me as a permanent employee.
Underwriter
Caliber Home Loans
07.2019 - 10.2022
- Underwrote VA, FHA and Conventional loans. Followed VA, FHA and FHLMC and FNMA guidelines and company overlays to determine eligibility.
Underwriter
loanDepot
07.2017 - 07.2019
- Underwrote VA, FHA and Conventional loans. Followed VA, FHA and FHLMC and FNMA guidelines and company overlays to determine eligibility.
Underwriter
Wells Fargo
07.2012 - 07.2017
- Underwrote Conventional Conforming and VA loans. Also Underwrote FHA loans until the end of 2016 when Wells Fargo centralized the FHA business. Continuous review of updated guidelines for all product types in addition to the Wells Fargo overlays and policies. Review VA appraisals and issue the Notice of Value since March 2014.
Mortgage Representative
Bank of England
01.2012 - 07.2012
- Processed and underwrote Conventional conforming, VA and FHA loans utilizing automated underwriting engines and Loansoft. Reviewed and approved conventional appraisals for the collateral side.
Team Manager
Chase
04.2010 - 01.2012
- Managed the processing team for the loan originations in the Colorado area. Managed the loan pipeline. Provided process improvement ideas to make the team more effective. Provided performance reviews and training to the processors and created a positive cohesive team which functioned at the highest levels.
Modification Underwriter
Aurora Loan Services
12.2007 - 04.2010
- Underwrote loan modifications for FNMA and FHLMC. Determined eligibility for these programs with customers, prepared and received back the signed documents. Many modifications were full credit underwrites and some were stated programs such as the HARP.
Underwriter, Processor, Loan Officer, and Regional Operations Manager
Pulte Mortgage
07.1998 - 11.2006
- Responsible for managing the operations of loan originations in the Great Lakes Area, North Carolina, Mid Atlantic area, and parts of Florida. This included the processing, underwriting and closing, with some post closing functions. Directed the teams and acted as a resource for all loan counselors, processors, underwriters, closers and branch personnel. Reviewed reports for accuracy and analyzed data to identify positive and/or negative trends. Completed credit and appraisal reviews for all escalated loans in my areas of responsibility.
Education
Bachelor of Arts - Criminal Justice
Bellevue University
Bellevue, NEMaster of Business Administration -
University of Phoenix
Denver, CO01.2001
Skills
- Effective verbal communication
- Effective teamwork
- Workplace professionalism
- Proficient in fraud detection
- Document analysis
- Expertise in loan processing
- Pipeline process optimization
Certification
- SAR
- CHUMS
Timeline
Mortgage Processor
Canvas Credit Union
05.2024 - Current
Research Associate
Specialized Home Servicing/Computershare
12.2023 - 05.2024
Cashiering Associate
Addeco Staffing Agency
12.2022 - 12.2023
Underwriter
Caliber Home Loans
07.2019 - 10.2022
Underwriter
loanDepot
07.2017 - 07.2019
Underwriter
Wells Fargo
07.2012 - 07.2017
Mortgage Representative
Bank of England
01.2012 - 07.2012
Team Manager
Chase
04.2010 - 01.2012
Modification Underwriter
Aurora Loan Services
12.2007 - 04.2010
Underwriter, Processor, Loan Officer, and Regional Operations Manager
Pulte Mortgage
07.1998 - 11.2006
Bachelor of Arts - Criminal Justice
Bellevue University
Master of Business Administration -
University of Phoenix