Dynamic and highly qualified mortgage professional with extensive knowledge of accounting principles, taxation policies and income tax procedures. Detail-oriented bookkeeping professional with 3+ years experience applying financial and managerial accounting practices.
Experienced in most aspects of business, including today's paperless environment. Mortgage qualifications includes; Native American Lending, (DE) underwriter and Staff Appraisal Reviewer (SAR), with a wide range of conventional and government experience.
- Accounting skills
- Auditing methodology
- General and tax accounting
- Account reconciliations
- Goal-oriented
- Reliable
- Flexible
- Analytical
Financial Forensics
- GPA 3.83
- Magna cum laude graduate
- Minor in Accounting
- Major in Financial Forensics
Accounting
Highest Honor Member
Leominster, MA, 01/2013 - 01/2014
Meet with clients, interview process to determine what was the best tax preparation solution for them, analyze the documents for accuracy and complete the tax return for electronic or mail in submission to the Internal Revenue Service.
Chandler, AZ, 07/2011 - Current
- Consumer Loan Underwriter 4.
- Underwriter for Section 184 Native American loan program moved to Denver location.
- One of 7 underwriters assigned to HUD184 team.
- Complete review and analysis of credit, income, assets and collateral in order to make a solid credit decision that complies with all regulatory, government and state requirements.
- Full knowledge of Regulation B, Truth-in-Lending, Fannie Mae, Ginnie Mae, and Consumer Finance Protection Bureau requirements for home loans.
TX, State, 11/2009 - 07/2011
- Assisted in implementing a new computerized paperless system on CORE by becoming a site CORE champion.
- Provided assistance in areas of understanding and clarifying the investor guidelines, regulatory compliance and product knowledge to team members.
- Designed and implemented training on complex self-employed tax return analysis.
- Backup go-to person for problem escalations when lending manager was not available.
Rexburg, ID, 06/2009 - 10/2009
- DE and VA Lapp underwriter.
- Promoted teamwork between the support team and the origination team.
- Underwriting of all mortgage loan types, which consists of reviewing credit documents, ensuring compliance with investor guidelines and final decision.
Port Orchard, WA, 10/2008 - 06/2009
- Quality Control Underwriter in non-producing loan (NPL) department working directly with investor, Freddie Mac.
- Responsibilities include analyzing file documents for guideline compliance and a sound underwriting judgment.
- Prepare statements for investor to write the repurchase letter or provide the originating lender an opportunity to cure the default.
- Provided research materials to support findings.
City, STATE, 04/2008 - 10/2008
- DE and VA Lapp underwriter for wholesale mortgage lender Review and analysis of loan credit and collateral package to insure meets all current mortgage investor guidelines.
- Liaison between loan origination and operations.
- Operations go-to person for issues and problem solving.
- Short term assignment due to company closure.
City, STATE, 06/2006 - 04/2008
- DE and VA Lapp underwriter for retail mortgage center.
- Perform compliance reviews based on lending guidelines; contact customers and team members to gather information to make appropriate decisions.
- Ability to explain rationale behind credit decision in the event of auditing or investor compliance review.
- Provided assistance in areas of understanding and clarifying underwriting guidelines, regulatory compliance and product knowledge on a daily basis.
City, STATE, 06/2001 - 04/2006
- Train new hires and provide monthly or quarterly training meetings.
- Supervising quality control of all closed loans for regulatory compliance.
City, STATE, 11/1998 - 03/2001
- Managed 2 additional underwriters and 4 processors/closers.
- Problem solving, ensuring investor guideline compliance, weekly pipeline management to ensure timely loan closings.
- Organized weekly meetings for additional training and focus areas for the week and month.
City, STATE, 05/1997 - 10/1998
- Temporary relocation due to husband was active duty military.
City, STATE, 01/1996 - 05/1997
- Managed 1 additional underwriter and 4 processors/closers.
- Problem solving, ensuring investor guideline compliance, weekly pipeline management to ensure timely loan closings.
- Organized weekly meetings for additional training and focus areas for the week and month.
American Institute of Certified Public Accountants (AICPA)
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School Attended
- Colorado Technical University Online
- Colorado Technical University (CTU)
- Graduate of Mortgage Lending, National Association of Professional Mortgage Women (NAPMW)
Job Titles Held:
- Tax Professional Level 3
- Consumer Loan Underwriter 4
- Senior Consumer Loan Underwriter
- DE Underwriter
- QC Underwriter/Auditor
- DE Underwriter
- DE Underwriter
- Assistant Office Manager/Mortgage Processor/Closer/DE Underwriter
- Assistant Branch Manager/DE Underwriter
- Senior Mortgage Underwriter
- Assistant Branch Manager/DE Underwriter
Degrees
- Bachelor of Science
- Associate of Science
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