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Click here or scroll down to respond to this candidateCandidate's Name
Experience: Mortgage Network Inc., Danvers MAVice President, Credit & Collateral Risk[February 2023 to September 2023]Ensures appropriate risk management assessment, controls and monitoring are in place for loan processing through closing functions, confirming compliance with established corporate and investor guidelines.Examines operational risk issues for trends and training opportunities. Works with business leaders and staff to identify issue resolution and facilitate performance improvement.Oversees and coordinates operational response to internal and external audits including Pre-Funding QA, Post-Closing QC, Regulatory (Federal and State) and vendor audits. Oversees and manages operations participation in the Loss Mitigation process Coordinates operational response and tracking of loans presented to Loss Mitigation team for resolution.Mortgage Underwriter[November 2021 to November 2022]Review submitted Secondary loan product applications for compliance with Residential Loan Policy, FNMA, FHLMC, FHA, VA and USDA guidelines. Loan review to include: analysis of income documents including W-2s, paystubs, tax returns and tax transcripts; analysis of tri-merged credit report including payment history, derogatory accounts and overall credit responsibility; analysis of asset accounts including sufficient acceptable funds per AUS. Review of Property Appraisals to include compliance with acceptable appraisal standards as evidenced by USPAP to determine sufficiency of collateral.* Primary Residential Mortgage, Inc., Salt Lake City UT Mortgage Underwriter[September 2017 to November 2021]Review submitted Secondary loan product applications for compliance with Residential Loan Policy, FNMA, FHLMC, FHA, VA and USDA guidelines.* Direct Mortgage Loans, Hunt Valley MDMortgage Underwriter[May 2016 to September 2017]Review submitted Secondary loan product applications for compliance with Residential Loan Policy, FNMA, FHLMC, FHA, VA and USDA guidelines.* Bay Bank FSB, Timonium MDMortgage Underwriter[January 2015 to May 2016]Review submitted Portfolio and Secondary loan product applications for compliance with Bay Bank Loan Policy, FNMA, FHLMC, FHA, VA and USDA guidelines. P. O. Box 58, 218 W. Main Street, New Freedom PA 17349 PHONE NUMBER AVAILABLE EMAIL AVAILABLE Resume - Page 2* Susquehanna Bank, Owings Mills MDMortgage Underwriter[May 2013 to January 2015]Review submitted Portfolio and Secondary loan product applications for compliance with Susquehanna Bank Residential Loan Policy, FNMA, FHLMC, FHA, VA and USDA guidelines. Pre-staged HECM loans for Investor approval.* Carrollton Mortgage Services, Timonium MDPC/Quality Control Specialist[April 2011 to May 2013]Prepare Monthly Quality Control Review of Approved and Closed loans. Review to include ten percent (10%) random sample of higher risk loans.* Express Professionals, York PAContract Employee[November 2010 to January 2011]Resume position of York LPO Supervisor* Sovereign Bank, York PAYork LPO Supervisor[February 2005-September 2010]Manage the processing and closing staff for the York and Harrisburg Originators. Develop and facilitate continuing training of Processing Staff to include: income calculations, and required documentation; Asset documentation review and what constitutes a large deposit, verifying Borrower's required minimum contributions; Appraisal requirements and compliance with USPAP. Process and Pre-underwrite all Sovereign Bank Employee Loan requests.* Waypoint Bank, York PAMortgage Liaison[December 2001 - February 2005]Liaison between Secondary Marketing, I.T. Department, Back Office Staff and Investors.* Bank of Hanover, Hanover PAMortgage Processor/Underwriter[1995-1998]* Harris Savings Bank, York PAMortgage Underwriter[1991-1995]Education: York College of PA, York PA [August 1981-June 1985] Bachelor of Science, Business AdministrationDelegations: FHA and VA Delegations provided upon request |
