Skilled at organizing complex projects,and achieving goal-oriented deadlines
Excellent customer service and communications on all levels
Qualifications
Fannie Mae (DU/CPM/EarlyCheck), Freddie Mac (LP/LQA), FHA(FHA Connection), VA, & USDA(GUS) loans.
Extensive background in compliance and fraud procedures in documenting a loan to insure little or no post purchase issue including use of Compliance Ease(RESPA Auditor), Interthinx (Fraudguard), Corelogic(RealQuest), LexisNexis (RES/MIDEX), and use of use internet searches to aid in supporting complex files such as REDFIN/Zillow/Google/MANTA/D&B.
* Proficient in the use of various software packages including Calyx Point, Encompass, Datatrac, Empower, Byte, Blitzdocs, Adobe, Microsoft Office (Excel, Word, Access, Outlook, Project Manager, Visio), and quick learner to proprietary SAP & SaaS applications
Relevant Experience
Experience
WEX Clerk - volunteer , present to 11/2014 Ballston Spa National Bank – Guilderland, NY,
Performed clerical work including: preparing correspondence and reports, filing, indexing and cross-referencing methods.
Understanding uses of software systems and a variety of office equipment used in information processing to help maintain accurate records, reports, and compiling compliance material for clients.
Executed daily operations of reviewing an average of 4-6 new loans and 3-8 conditions.
Reviewed information on mortgage loan documents to determine if buyer, property and loan conditions met internal overlays, investor guidelines, government standards, and issued appropriate approval, suspense, or denial with corresponding notes/conditions.Informed loan officers and/or processors before recording loan rejection to see if restructuring as a counter offer to the terms they applied for was viable, specifying investor, institutional guidelines, private mortgage insurance overlays, and overall basis for declining application, such as insufficient cash reserves.
Was instrumental in streamlined condominium project reviews by screening submissions for investor or HRAP reviews for deficient documentation, and worked with processors early in the loan stage to ensure reviews meet close of escrow dates.
Trained and managed 2 account managers and achieved significant improvements in their promotion as junior underwriters.
Authorized by employer to certify that mortgage loan applicant and property qualified for mortgage insurance endorsement from FHA since Oct.
2012.
Account Manager , 2/2011 to 6/2012 Crc Insurance Services, Inc. – Mission, KS,
Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment before submitting to underwriting or Investor.
Generated and mailed initial loan disclosures were within compliance with RESPA and government regulation.
Uploaded initial loan application to DO, LP, or FHA connection as well as running LDP/GSA list for interested parties to ensure eligibility of applicant and program selected by loan officer.
Ordered credit updates and resolved inaccuracies with vendor, verification of deposits/assets, and verification of employment to insure accuracy of information.
Called/ordered with specified companies to obtain purchase contract, escrow instructions, prelim, and appraisal through appropriate AMC depending on investor or in-house review.
Communicated with borrowers about loan approvals, emailed/mailed needs list, and explained denials to Loan Officers/Applicants or Brokers/Processor's to see if it could be resolved.
Coordinated closing transactions with borrower, investor, escrow officer, and notaries.
Managed average monthly pipeline of 60-80 loan submission with average closing improved from 45-60 days to less than 14-21 days.
Underwriter , 8/2010 to 1/2011 Urban Science – Woodcliff Lake, NJ,
Remote contract Underwriter for a Fannie Mae Mortgage Banker.
Responsibilities included analyzing loan file: borrowers income, self employed income (Sch C, K-1's, 1065, 1120's), 4506-T results (were within tolerances), assets, appraisal, HOA, HOI, prelim, purchase contract, Hud-1, and escrow instructions; running DU, CPM, & Fraud Guard; approving MI(or uploading MI files for review if exception to overlay was merited), & communicating with title, appraiser, or third party with any specific issues.
Communicated with Processor, Loan Officer, or management if loan did not meet FNMA guideline's or second signature was required if loan was to be denied or required investor approval.
Consumer Loan Underwriter III , 2/2009 to 12/2009 Taher, Inc. – Pardeeville, WI,
Contract underwriter for Banks refinance department.
Utilized Banks proprietary AUS as well as Manually U/W loans, and insured underwriting were to most recent internal/published guidelines.
Provided narrative on AU file outlining analyses of credit, employment/income, assets, title/appraisal, along with conditioning for any missing items, and final disposition of file as PTD conditions were submitted.
Emailed appropriate second level department for exceptions, HELOC, or denial recommendation's as needed.
Primary focus of loan product's were FNMA, FHMLC, and portfolio products including HAMP, HARP, Streamline, and High Balance loans.
Analyst/Consultant , 05/2008 to 2/2009 CNJ Capital Group – City, STATE,
Primary duties involved researching small capitalized companies, investors, and lenders.
Identifying possible clients, making initial contact from prospect, and setting up initial consultation to provide recommended services after and initial analysis was made.
Worked in conjunction with CPA's, Attorney's, and other consultants to analyze client's financial records (EBITDA), compile business plan, and deliver findings back to management to execute plan.
Product Manager/Underwriting Supervisor , 11/2003 to 12/2007 Shearson Mortgage - Retail/Wholesale – City, STATE,
Promoted from Loan Officer/B2B Business Development Officer to Underwriter in first year, and then promoted to Product Manager within 18 months of hire.
Provided second level signature for Junior Underwriters, underwrote overflow and mega-jumbo loans, trained staff and clients on new or updates to loan products along with Investor(FNMA, FHMLC, Conduits, Banks, and internal) guidelines and the different automated underwriting systems as well as quality control websites.
Responsible for maintaining Credit Policies current, acquiring and negotiating contracts(reps and warrants on bulk deals) with new Investors/Lenders/MI companies, coordinating with secondary(internal pricing risks) on loan variance's as needed, and communicating with investors or due diligence companies about variances/exceptions as well as addressing closed loans that had deficiencies/issues post closing.
Account Manager/Processor , 2/2003 to 11/2003 Greenpoint Mortgage - Wholesale – City, STATE,
responsible for providing seamless transition for team in maintaining production activities extending from examining loan-file documentation for review, forwarding exception requests to appropriate department head or division, create/input new data files that corresponded with locks that were phoned in by brokers to ensure Lock expiration dates were meet or extended as needed, and provide daily pipeline management for both sales team, operations, and clients from approval through funding.
High call and email communications activity with average of 50-75 mortgage brokers/employees contacting our department daily regarding their loan activities with an average monthly volume for our team of 2-3 managing around 100-150 loans/40-60 million a month.
Business Development Manger/Junior Underwriter , 2/2002 to 2/2003 Delta Home Loans, Dba Goloans.com – City, STATE,
Responsible for establishing new B2B (business-to-business) relationships with Realtors, Brokers, & Property Mangers and train them to originate loans (under RESPA compensation rules).
Trained clients remotely (citrix & VPN) on how to utilize software systems, qualify borrowers, order services (title, appraisal, VOE, VOD, etc), lock loans, request exceptions, and order loan documents.
Provided underwriting reviews of all prior to doc items to insure loan level quality was meet before releasing loan documents and file to funding department along with ensuring government/investor compliance/overlays were meet.
Office Administrator/REALTOR-Associate , 6/1999 to 6/2002 RE/MAX Hillside Realty – City, STATE,
Administered both front and back office procedures involving: customer service, provide marketing material, prepare presentations, minor bookkeeping, kept initial escrow deposit receipt book/records up to date, filed necessary Board paperwork for new listing or agents, ordered city permits as needed for clients.
Performed property management for brokerage with their out of the area clients including drafting leases, collecting rent, process notices/evictions, and coordinate maintenance repairs as needed.
Learned to negotiate, communicate, and marketing techniques from company.
Processor/Branch Manager , 6/1995 to 6/1999 California Horizons Mortgage – City, STATE,
Processed for a small team of loan officers/agents, and conducted Branch Operations as instructed.
Submitted processed loans to Corporate/ Investor, order loan documents, notarize closings documents, and follow up on any post closing conditions.
Responsible for initial loan package signed by borrower, gathering client's documents, ordering credit, finding appropriate appraiser, opening title and escrow, coordinating closing, and managing monthly branch expenses and payroll request for corporate review.
Kitchen Aide , 1/1993 to 6/1994 Granada Hills Community Hospital – City, STATE,
Worked in Hospital cafeteria.
Prepared under chef direction large quantity of limited entrees, vegetables, and desert.
Weigh and measured ingredients into select pot and pans.
Stir and strained soups and sauces.
Can peel, and slice vegetables and fruits.
Cleaned work areas including equipment utensils dishes, and silverware.
Education
AA : Business Administration -Accounting , Expected in 5/2016 College of the Desert - Palm Desert , CA GPA:
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