I have been in the mortgage business for 27years starting out as a loan originator and most recently the manager of both the training department for underwriters and the pre-closing underwriting audit department. I am currently looking for a position in underwriting to use the experience and knowledge I have acquired over these years.
In 2007 WJ Bradley was looking for experienced mortgage personnel to take over the operations center for their company. There were 6 of us in the beginning and our assignment was to put together an operation center to process loans from underwriting through selling of loans on the secondary market. Since my experience was in underwriting I assisted with obtaining DE Lender Approval and VA Automatic. I was tasked with cleaning up loans that needed to be insured by government agencies and sold to investors. I was the senior underwriter involved with the hiring and training of the underwriters. The company grew rapidly, the underwriters were divided into teams and I became a team supervisor. After 2 years I moved into a newly created position as the trainer for new underwriters. I developed a 2 week training course in a classroom setting. This included our underwriting computer system and product guidelines. The 2nd week included a review of their files to assure they had a thorough understanding of our policy and procedures. This lead to my being responsible for training our existing underwriters into loan products they were not yet certified in. The company was growing rapidly and my training of underwriters expanded to 3 new operations centers. The first was in San Diego, CA in 2009, Denver, CO in 2011 and the 3rd was Bellevue, WA in 2013. By this time we had a total of 82 underwriters. In November of 2012 I was given additional responsibilities as the manager of a newly created department called Pre-Closing Audit. I developed the procedures, hired and trained 9 employees. This department was created to assist in the manufacturing of quality loans. An audit was performed on each file as it left underwriting and before it went to the closing department. The purpose was to catch and correct any mistakes that were made in the files.
I assisted with the hiring, training and supervising of an underwriting team of 13. My responsibilities included being the head liaison between operations and production. I gave advice on loan scenarios, reviewed files and documents and resolved loan issues for both the underwriters and loan production teams. I also worked closely with several different investors to assure the purchase of our loan portfolio.
I worked for different mortgage companies as a contract underwriter. I would apply underwriting guidelines per each investor to analyze risk and make decisions resulting in investment quality loans. It was necessary to maintained a thorough understanding of credit documents, employment, income, assets, property and appraisal analysis.
First Reliance was a new start up mortgage company. I had worked for the owner at a previous mortgage company. I was the only underwriter for this company and underwrote all loan types.
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