| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidate Candidate's Name
Street Address
EMAIL AVAILABLE
PHONE NUMBER AVAILABLE
JOB OBJECTIVE
I am interested in using all of my qualifications and remaining in mortgage operations. I
have previously worked from home and in the office and would be adaptable to either
situation.
HIGHLIGHTS OF QUALIFICATIONS
Over 30 years of mortgage experience. I particularly enjoy management and find that it
always brings new challenges. I am a fully qualified underwriter and have had VA and FHA
government delegations for over 15 years. Proficient in analysis of credit, income, assets,
collateral. I also have NMLS and MBA CRU delegations.
I started in the mortgage business as a closer and then went into processing and then into
underwriting, leadership of underwriting, and currently having 13 team members reporting to me.
Extensive knowledge regarding fraud and quality control and have had training in both.
I have not had any repurchased loans or early payment defaults.
Critica1 thinker and adept negotiator who can apply extensive knowledge of the industry
to promote business growth and maintain rapport with existing clients.
EXPERIENCE
10/2010-12/2014 LenderLive Network, Ponte Vedra, FL, Unit Manager
Underwriting. Manager for 13 underwriters. Review and distribute work loads,
perform annual reviews and ensure that the team is meeting the required service
level agreements.
8/2008-8/2009 Wachovia, Jacksonville, FL -Manager Worked as a manager on FHA
Secure project and as such was an escalation point for underwriters. Served as a
resource to junior underwriters. Compliance underwriting per Wachovia guidelines
specific to this project. Responsible for reviewing collateral, income, assets and credit
on high risk refer loans as a second review for underwriters.
4/2006-7/2008 Bank of America, Jacksonville, FI -Sr. Mortgage Underwriter/Team
Lead. One of the senior underwriters that opened the government loan center. Reviewed
files for junior underwriters working towards DE and VA delegations. Lending
authority of $750,000 for all government loans. Completed mostly manual loans with
complex credit or income. Remote underwriter 3 days a week.
8/2005-3/2006 Coastal Capital, Ponte Vedra, FL.-Sr. Mortgage Underwriter.
Responsible for reviewing and approving complex conforming loans for wholesale
division. Worked directly with Brokers and provided guidance on underwriting
guidelines. Company closed Florida office due to downsizing.
1/2004-5/2005 Countrywide Mortgage, Thousand Oaks, CA.-Sr. Quality Control
Underwriter.Performed QC audits on all loan types. Ensured data integrity and reported
any fraudulent issues. Completed reports with missing data or issues not meeting criteria
for loan type. Reviewed for borrower credibility and occupancy issues. Completed
analysis of files with communication to management of deficiencies found.
6/1998-10/2003 Columbia National Mortgage, Norfolk, VA.-Sr. Mortgage Underwriter/
Team Lead. Team lead over 11 reports in the department. Responsible for VA, FHA and
Conventional loans. Pipeline management for 11 underwriters. Communicated loan
decisions, conditions and/or counteroffers. Completion of annual reviews for the
members on my team. Point of escalation for underwriters needing assistance on manual
loans.
EDUCATION
First Colonial High School, Virginia Beach, VA finishing as an Honor Graduate. Main focus of
studying being in business courses. Since then I have attended many seminars and workshops
relating to the mortgage industry and management of same. I obtained my VA SAR delegation
and DE delegation in 1998. I am always interested in taking updated classes offered by HUD or
VA and anything related to fraud or quality control. Receive continual updates on FNMA/
FHLMC Selling Guides and release notes. I have passed the NMLS exam and also have the
CRU delegation from the MBA.
|
