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st & 2ndHeloc loan products.Jodi SullivanProfessional ExperienceHIGH NET WORTH CORPORATE UNDERWRITER9266 Sun Isle Dr. NE * St. Petersburg, FL 33702 * PHONE NUMBER AVAILABLE * EMAIL AVAILABLE Underwrote consumer loans for High Net Worth and Ultra High Net Worth Clients, no limit on loan size reviewed, (loans over $2,000,000 receiving secondary, cursory sign-off), utilizing FHMLC (LP), FNMA (DU), and Bank of America Guidelines. Manual Underwriting - complex income files, consisting of multiple businesses, multiple self- employed income sources, construction loans, and trust reviews. 21 years of mortgage Underwriting ExperienceComprehensive, Complex, Manual UW ExpertiseGlobal Corporate Rewards for Accuracy, Production, and Client Satisfaction Manual Underwriting of complex files; consisting of self-employed, high-net-worth clients, with multiple businesses, and multiple properties. Earned Level III lending authority.Experienced underwriter of Purchase loans, Rate/Term Refinances, Technical Refinances, Cash-out Refinances, Pledge loans, and 1 Ability to analyze and approve loans with adherence to Raymond James Bank Underwriting guidelines and FNMA guidelines.Mortgage Cadence experience.RJ Client Access Center used daily to analyze clients RJ assets, SBLs, and pledged assets, resulting in accurate underwriting decisions.Critical thinking applied when exceptions are required, with submission to exception committees, resulting in more loan approvals and increased client satisfaction. Manual Underwriting of complex files; consisting of self-employed, high-net-worth clients, with multiple businesses, and multiple properties. Cash Flow analysis of multiple, self-employed businesses, and properties. Successfully completed training and testing criteria required to receive signing authority up to $750K loan size.Experienced SBL analysis when underwriting Tech Refi loans and pledge products. 3.2015  12.31.2021Raymond James Bank  Contract Sr. Underwriter  Private Client Banking 4.24.2023  9.07.2023 (Contract Role)Morgan Stanley  Underwriter, AVP1.03.2022  12.06.2022Bank of America  Officer, Corporate Underwriter, Merrill Lynch High Net Worth DivisionLevel 6 Signature Authority Signing Enforcement (SASE 6)  passed on the first attempt, intense several-week training and testing criteria for Bank of America, (Highest Level is SASE 7). PBIG Signing Authority (Preferred Broker Investment Group)  Handpicked by Management to underwrite for the top producing Financial Advisors with Merrill Lynch. Asset Depletion Income Signing Authority (SASE AD)  detailed, deep analysis of assets and investments held across numerous institutions; including review of trust assets, pledged assets, annuities, Life Insurance, to arrive at eligible assets utilized for qualifying income. Delayed Financing (Asset Recapture), with SBL loan analysis. Pledge Financing  underwrote loans for High Net Worth and Ultra High Net Worth Clients pledging their assets to achieve higher LTV/CLTV loans. Managed large loan volume while working effectively with Sales and Financial advisors to maintain high levels of client satisfaction.Handpicked by Management to perform Live File Reviews for teammates going through SASE testing requirements in order to ensure their underwriting accuracy and facilitate training opportunities when needed.Mentor to other underwriters with respect to complex income scenarios and guideline interpretation.Quickly adapted to the increased complexity of reviews and guideline changes implemented from 2020  present, related to economic and world events. Complete complex, manual underwriting utilizing Fannie Mae, Freddie Mac, FHA, and Bank of America guidelines.In depth litigation audits of FNMA, FHLMC, Private label, Bond, and Monoline loans, ensuring all guidelines and documentation requirements were met for loans in litigation. Examine file for possible misrepresentation, omission, inaccuracies, and red flags. Maintained the Top Producing underwriter for both Tampa and California Teams in 2014 for a period of several months, receiving Global Recognitions for production and quality. Exceeded expectations in 2014 Performance Development Plan (PDP) review of Individual Production, Individual Quality, Attention to Detail, Ownership, and Overall Results. Assigned to underwrite and review foreclosed loan files for OCC Government-mandated project. Handpicked by management for two special projects regarding refinement of testing procedures and SCRA (Service Members Civil Relief Act) foreclosed loan reviews. Underwriting review of foreclosed loan files to determine compliance throughout the loan and foreclosure process.Used extension underwriting experience to assist with foreclosed file preparation for rebuttal team review.PHONE NUMBER AVAILABLEPHONE NUMBER AVAILABLE (Temp Position)PHONE NUMBER AVAILABLE (Temp Position)PHONE NUMBER AVAILABLE (Temp Position)Bank of America  Senior UnderwriterJCIII & Associates  Quality Assurance Underwriting Analyst JP Morgan Chase  Mortgage Support SpecialistAssisted mortgage consultants, loan officers, underwriters, processors, loss mitigation department, and collections with all aspects of loan input and navigation through several complex computer programs, solving issues with input, functionality, and guidelines, allowing everyone to successfully complete loan duties timely and accurately. Bay to Bay Mortgage, Inc  Senior Loan Underwriter/Owner 1998  2010Manually UW loans based on guidelines without the presence of AUS to assess an individuals creditworthiness.Complex income financials reviewed, including multiple self-employed business tax returns.Underwrote to FNMA and FHLMC guidelines, with sign-off authority for conditions related to calculation of income, assets, collateral, and credit.Review all loan docs for possible misrepresentation, omissions, inaccuracies, and red flags.Maintained excellent working relationships with over 200 wholesale lenders nationwide and stayed up to date with their unique and specific guideline overlays to assure borrowers access to the best loan products and rates available to meet their needs.Managed a staff of 10 mortgage loan officers.Grant Mortgage Services  Senior Loan Processor1997  1998Efficiently processed wholesale conventional, non-conforming and private loan products for over 500 nationwide lenders.Utilized excellent verbal skills for communicating with customers, underwriters, loan officers, and title agents while assuring loans closed timely and to customer satisfaction. Magic Mortgage USA  Senior Loan Processor1996  1997Efficiently processed wholesale conventional, non-conforming and private loan products for over 500 nationwide lenders.Utilized excellent verbal skills for communicating with customers, underwriters, loan officers, and title agents while assuring loans closed timely and to customer satisfaction.Attended continuing education classes to maintain a thorough understanding of underwriting guidelines for Conforming and Nonconforming loan products. AAA Mortgage Loans & Investments  Loan Officer1994  19961995 top loan producer in the Tampa Bay area.Efficient processing and underwriting skills developed in order to offer the best product and rates to customers, ensuring their qualifications.Superior knowledge of Conforming and Nonconforming loan products, while working with over 500 various nationwide wholesale lenders.AABCOMortgage  Loan Officer1993  1994Successfully passed the mandatory broker training course and state licensing exam on my first attempt.Named to Top Producer Club on several occasions.Superior knowledge of Conforming and Nonconforming loan products, while working with over 500 various nationwide wholesale lenders.Efficient processing and underwriting skills developed in order to offer the best product and rates to customers, ensuring their qualifications. EDUCATIONUniversity of Minnesota  Bachelor of Science Degree 1989Independent Studies program tri-major in Business, Sports Science, and Nutrition.NCAA Division 1 Full Athletic Scholarship for Womens Golf (4 years).Named to prestigious All-Decade sports team.