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Latrina Lester

@latrinalester

JR. Underwriting Analyst at PNC Mortgage, assessing loan risk and checking applications for regulatory compliance.

At PNC Mortgage, I analyze loan applications by assessing financial risks, credit, and asset documentation. I also check applications for completeness and regulatory compliance before preparing underwriting summaries.

At Bank of America, I worked as a Post Closer/Analyst and a Fraud Analyst. My work included mortgage audits, testing customer-facing banking capabilities for fraud vulnerabilities, and supporting fraud-control strategies.

Earlier, I analyzed mortgage applications and compliance at J.P. Morgan Chase and processed FHA, VA, and Conventional loans at Countrywide Home Loans. I hold a Florida Notary Public commission and have training in mortgage processing, underwriting, and loan regulations.

Experience

Work history, roles, and key accomplishments

JR. Underwriting Analyst

PNC Mortgage

May 2018 - Mar 2026 (7 years 10 months)

Analyze loan applications by defining financial risks, credit analysis, and asset documentation. Audited and cleared discrepancies correlating to Title policies and ensured compliance with bank policies.

Credit Analysis Risk Management Loan Processing Underwriting Compliance Data Analysis Fact Checking Microsoft Suite Empower Underwriting System Automated Underwriting Tableau Workday

Post Closer/Analyst

Bank of America

Mar 2009 - Jun 2018 (9 years 3 months)

Organized and directed daily activity in post-closing, including pre-closing, pre-funding, and post-closing audit functions for the mortgage department. Ensured timely receipt of closing packages and completion of investor post-purchase requests.

Post Closing Loan Auditing Loan Processing Compliance Investor Relations Microsoft Suite

Fraud Analyst

Bank of America

May 2008 - Mar 2009 (10 months)

Tested customer-facing capabilities for vulnerabilities to fraudulent exploitation and assisted in developing new fraud tactics. Performed assessments on new bank initiatives and participated in triage activities for fraud matters.

Fraud Detection Risk Management Data Analysis SAS SQL Financial Services Incident Response

Funding Review Analyst/Research

J.P. Morgan Chase

Sep 2005 - May 2008 (2 years 8 months)

Maintained compliance with FHA mortgage insurance programs and analyzed loan applications to determine risk. Audited loan submission packets against the underwriting system and implemented a tracking system for loans.

FHA VA USDA Compliance Loan Analysis Risk Assessment Underwriting Audit Data Analysis Microsoft Suite

Loan Processor

Countrywide Home Loans

Jun 2000 - Sep 2005 (5 years 3 months)

Processed over 1000 FHA, VA, and Conventional mortgage loans from origination to closing. Verified loan applications, analyzed credit reports, and coordinated with borrowers and other parties to ensure timely funding.

Loan Processing FHA Conventional Loans Credit Analysis Mortgage Origination Client Communication Microsoft Suite