Mari Sprinkle

Senior Underwriter with 10+ years of experience in consumer and residential real estate lending, recognized for sound credit judgment, an exceptionally low error rate, and sustained production well above team benchmarks without compromising credit quality. Experienced across the full credit lifecycle and adept at underwriting complex, non-conforming products that require in-depth analysis and manual review. A trusted subject matter expert who mentors junior underwriters and administers the department's regulatory compliance and quality-control reporting, combining underwriting precision with a thorough command of lending regulations and investor guidelines.

Senior Consumer Loan Underwriter at Banner Bank (2016-02 – Present)

• Underwrite consumer and residential real estate loans across the full credit lifecycle, from application intake through decisioning, closing, and post-closing quality control, managing an active pipeline of up to 130 loans, while maintaining an exceptionally low error rate.
• Underwrite complex, non-conforming products, including floating homes, documented vessels, natural disaster relief loans, and other specialized asset classes requiring manual review and non-standard appraisal, title, and collateral analysis.
• Evaluate borrower creditworthiness through comprehensive analysis of credit profiles, income and asset documentation, debt-to-income ratios, and collateral, and scrutinize documentation and vendor reports for indicators of fraud or misrepresentation.
• Serve as subject matter expert for the team, training and mentoring junior underwriters and resolving complex or exception files that require seasoned credit judgment.
• Administer regulatory compliance and quality-control reporting for the underwriting department, compiling and validating data to produce executive-level reporting on adherence to lending regulations and investor guidelines.
• Conduct escrow analysis and document credit decisions with clear, defensible rationale that withstands internal audit and regulatory review.
• Supported a departmental loan origination system implementation, providing hands-on user acceptance testing and feedback ahead of enterprise rollout.

Direct Support Professional at Horizon Project Inc. (2014-12 – 2016-02)

• Directed daily life management for residents in a 24-hour residential care home, owning scheduling, medication administration tracking, and coordination across multiple moving parts of each resident's care.
• Partnered with doctors, care providers, and personal care staff to schedule appointments and ensure residents received the medical care and medications prescribed for them, in a timely and accurate manner.
• Balanced administrative oversight of each resident's care plan with day-to-day support, helping individuals with disabilities lead self-directed lives and stay engaged in their community.

Loan Servicing Specialist II – Property Registration Team Lead at Wells Fargo Home Mortgage (2010-11 – 2013-08)

• Managed a high-volume servicing portfolio averaging 90 loans daily, serving as team lead for property registration and the primary point of contact for resolving complex account and compliance matters.
• Cultivated customer relationships and coordinated across internal departments and external municipal agencies to resolve discrepancies and maintain compliance with jurisdictional ordinances.
• Guided borrowers through financial hardship by assessing individual circumstances and structuring tailored loss mitigation plans that protected both the customer relationship and the bank's position.