Joshua Hawkins
Saint Stephen
Summary
Experienced loan processor and mortgage underwriter with a strong background in evaluating loan applications, assessing risk, and ensuring compliance with financial regulations. Adept at managing high volumes of loan files while maintaining accuracy and efficiency. Committed to delivering exceptional customer satisfaction by providing clear communication, timely updates, and personalized solutions throughout the loan process. Seeking a new position to leverage my skills in delivering thorough, reliable, and customer-focused loan processing and underwriting services within a dynamic financial institution.
Overview
19
19
years of professional experience
Work History
Lending Client Coordinator
Compeer Financial
10.2024 - Current
- Enhance client satisfaction by promptly addressing concerns and providing personalized solutions.
- Provide comprehensive administrative support to the team, enabling efficient functioning and timely deliverables.
- Coordinate with multiple departments to ensure client requests are fulfilled efficiently, improving overall service delivery.
Home Equity & Mortgage Underwriter
Citizens Bank
01.2021 - 01.2023
- Evaluated loan applications by assessing risk and ensuring compliance with company guidelines.
- Reviewed customer documentation to determine loan eligibility, maintaining one-day SLA for file reviews.
- Restructured loan terms to meet customer needs while adhering to lending guidelines.
- Collaborated with associates using various platforms to facilitate seamless information exchange.
Residential Loan Processor & Mortgage Underwriter
Deerwood Bank
01.2018 - 01.2021
- Assisted Loan Officers in facilitating customer application progression to clear-to-close status.
- Conducted outbound calls to inform customers about necessary documentation, addressing concerns as needed.
- Reviewed and assessed mortgage loan applications by evaluating creditworthiness, collateral, and repayment capacity.
Mortgage Loan Coordinator & Underwriter
Capital One (formerly ING Direct)
01.2007 - 01.2018
- Underwrote conventional loans in compliance with Capital One, FNMA, and regulatory standards while collaborating with sales, processing, and closing teams to ensure timely loan closings.
- Evaluated financial strength, credit history, and collateral support to assess risk.
Education
A.A.S. - Finance and Credit
St. Cloud Technical College
St. Cloud, MNSkills
- Process improvement
- Regulatory compliance
- Customer Satisfaction
- Risk assessment
- Critical thinking skills
- Proactive and self-motivated
- Attention to detail
- Excellent communication skills
- Time Management
Timeline
Lending Client Coordinator
Compeer Financial
10.2024 - Current
Home Equity & Mortgage Underwriter
Citizens Bank
01.2021 - 01.2023
Residential Loan Processor & Mortgage Underwriter
Deerwood Bank
01.2018 - 01.2021
Mortgage Loan Coordinator & Underwriter
Capital One (formerly ING Direct)
01.2007 - 01.2018
A.A.S. - Finance and Credit
St. Cloud Technical College
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