Jemica Blackmon
St. Louis
Summary
I am a detail oriented professional with multiple years’ experience in accounts payable and collections in banking and mortgage industries. Performance driven with emphasis on learning systems in place and effectiveness through process improvements. Comfortable with working towards win-win situations with internal and external customers. Results-driven professional with experience in underwriting, risk assessment, customer service, and administrative support. Skilled in evaluating applications, analyzing financial and personal data, and making sound decisions based on company guidelines and compliance standards.
Recognized on a regular basis for outstanding performance and contributions to the industry's success.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Underwriter
PennyMac Financial Services
St. Louis
11.2025 - Current
- UnderwritingEvaluated loan, or credit applications to determine risk and eligibility based on company guidelines and regulatory standards, with FHA, VA, Conventional, and Homeready,
Reviewed financial documents, credit reports, income verification, and supporting documentation for accuracy and completeness.
Analyzed risk factors and made approval, denial, or modification recommendations within underwriting authority limits.
Communicated with agents, brokers, and internal departments to obtain additional information and resolve application issues.
Maintained compliance with federal, state, and company underwriting policies and procedures.
Processed high volumes of applications while meeting productivity, quality, and turnaround time goals.
Identified discrepancies and potential fraud risks through detailed document review and data analysis.
Utilized underwriting systems and software to evaluate applications, document decisions, and maintain accurate records.
Collaborated with management and team members to improve workflow efficiency and customer satisfaction.
Provided excellent customer service by responding promptly to inquiries and explaining underwriting decisions clearly.
Personal Banker 1/ Active Teller Support/Call Center Customer Service Specialist
Commerce Bank
St. Louis
06.2022 - 09.2025
- Interact with customers both in person and over the phone to ensure their financial needs are being met through needs-based conversations and sales fulfillment
- Actively listen, understand, and make recommendations of products and services based on customer needs to ensure individual and team sales and services goals are achieved
- Educate customers on a variety of retail products and digital solutions that enhance the customer experience and contribute to achieving sales goals
- Ensure financial transactions are completed accurately and efficiently, while complying with all policies, procedures, and regulatory requirements
- Identify complex financial needs and refer customers to bank specialists when appropriate
- Perform other duties as assigned
- Travel to help other locations who are short with staff
- Notarize customer documents
- Open, Close and Modify accounts for customers
- Count down RBG or Vault at the end of day
- Process wire transferers for customers
- Open safe deposit boxes.
Loss Mitigation Specialist /Application Coordinator
Inceed / Midland Mortgage
08.2021 - 04.2022
- Evaluating a customer's financial situation to identify assistance programs that may help them to catch-up on their missed mortgage payments and save their home
- To get in touch with customers, you will answer inbound calls and make outbound calls
- Make payments
- Analyze specific financial situations to determine the proper loss mitigation tool to assist each borrower
- Collect borrower information to determine rather or not they are eligible
- Review and update daily reports and accounts
- Make and receive borrower calls and communicate findings with other departments as needed
- FHA, VA, Conventional.
Education
High School Diploma -
Rockwood Summit High School
05.2003
Skills
- Windows 7, Excel, Outlook, Loan Management/Modification, Mortgage Processing/Closing, Loss MitigationPeopleSoft/SharePointMS Office organisation team buildingCustomer serviceTeam managementProblem resolutionRegulatory complianceBusiness operationsTCSBranch ConnectionAccuracy in application evaluationFinancial analysisHigh-volume underwriting strategiesRegulatory CompliancePolicy approval efficiencyMortgage loan underwritingRegulatory reportingTime management
Certification
Notary Public License
Timeline
Underwriter
PennyMac Financial Services
11.2025 - Current
Personal Banker 1/ Active Teller Support/Call Center Customer Service Specialist
Commerce Bank
06.2022 - 09.2025
Loss Mitigation Specialist /Application Coordinator
Inceed / Midland Mortgage
08.2021 - 04.2022
High School Diploma -
Rockwood Summit High School