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Click here or scroll down to respond to this candidateCandidate's Name , MBAEmail: EMAIL AVAILABLECell PHONE NUMBER AVAILABLE NMLS# Street Address 9Professional ExperienceGuaranteed RateUnderwriter July2022 - Present RemoteDue to worsening market conditions, the Region was dissolved and was given the opportunity to stay on as a production underwriter. Maintaining Top 20% production rating for each month while achieving highest quality ratingsRegional Underwriting Manager June 2022 July 2022 Remote Due to changing and shrinking in Mortgage Market, Division was dissolved and given region to run.Divisional Underwriting Manager July 2021 June 2022 Remote Support Regional Underwriting Managers (RUM) in their career growth, Provide Strategic guidance on staffing and other capacity planning. Support Sales and Operations leadership and individual originators with scenarios and Post Closing issues. Created and implemented RUM QC checklist for auditing each underwriter monthly.Regional Underwriting Manager November 2019 July 2021 Remote Support Team of 17+ underwriters (grown from 7) providing coaching, training, and scenario help Support Sales and Ops teams for SE United States (DE to FL including TN) This includes occasional scenario supportUnderwriter September 2019-October 2019 RemoteThis was a training position to help understand GR and better lead team when RUM role was created. I carried a pipeline for 2 months and cleared conditions for first 30 days as RUM. No Defects Quicken Mortgage Loan Services May 2019 August 2019 Charlotte, NC UnderwriterLead site in initial underwrites in July, and August of 2019 0 serious defects and no unsalable loansElle Mae (Allregs Academy) June 2017 April 2019 Remote InstructorFacilitate Underwriting and Processing training classes for FHA, VA, USDA, and Conventional Mortgage loans using Online Meeting software.Waterstone Mortgage Corporation April 2018 August 2018 Pewaukee, WI VP UnderwritingSupport the development, execution and management of the companys underwriting function. Evaluate and advise on the impact of underwriting programs and strategies. Assist in the planning, development, organization, implementation, direction and evaluation of the companys underwriting function and performance.Provide strategic input and leadership on decision-making issues affecting the companys underwriting function including Credit Policy decisions/Overlays Evaluate the structure of the Underwriting department and plan for continuous improvement in efficiency and effectiveness.Direct team nationwide of 10 direct reports and 35+ indirect reports Responsible for delivery of all Underwriting Process Projects including establishments of timelines, requirements, as well as facilitating meetings with stakeholders Cunningham & Company /FMC/ Academy Mortgage June 2016-Jan 2018 Greensboro, NC Underwriting Manager (Director Level)Manage all Underwriting Activity in NC, TN, SC and GA Oversee team of 10 underwriters including 3 that obtained FHA DE Underwriting status Create Training Material for DU 10.0 No Score approvals1 Oversee implementation of all Credit Policy updates and changes Increased underwriter efficiency creating and maintaining 2 day turn times Responsible for delivery and execution of all Underwriting Process and Policy Projects including requirement gathering from all stakeholders, establishment of timelines, and meeting facilitation Lead Underwriting during transition from Cunningham/FMC to Academy Mortgage after acquisition Ally Bank March 2013-October 2015 Charlotte, NCSr. Underwriting and Due Diligence ManagerDirect All Credit and Valuation Due Diligence for Bulk Loan Purchase Operations, including the creation of all Procedures as well QC Standards and Reporting. Projected monthly volume of over $300mm, $1 billion for 2014, and 4.5 billion for 2015Direct all underwriting processes including: Create and implement Production Quantity, Quality, and SLA metrics for underwriting department Create and Maintain Underwriting Guidelines/Procedures for all channels1Delivered UAT testing project team for implementation of new fulfillment systems leading 3 separate teams across business leading to on time deployment. Responsible for all requirement gathering, meeting facilitation, and Stakeholder approval from all lines of business including IT, Risk and Compliance Responsible for SOW negotiations up to $20mm for 3rd party UW and Due Diligence functions Create and Provide QC monthly reporting for all Due Diligence activities to Mortgage Executive Provided training to Due Diligence Vendor on Income and Assets. Reviewed all escalated income calculations, red flags, and appraisals Trained all New Hires on UW policy and ProceduresProvide Credit Policy Interpretation and ruling to Due diligence vendors and Bulk Purchase partners include Exception authority for case by case loan inclusion in purchase pools Fifth Third Bank May 2012-March 2013 Charlotte, NC Wholesale Underwriting Team Manager / Wholesale Processing Team Manager Managed team of 17+ underwriters, including a remote team consisting 1 manager and 5 contract underwriters, providing operational and underwriting guidance and generating average volume of $150mm per month, an increase of 30% from first monthManaged team of 12+ CRRs/Processors providing operational and processing guidance and generating an average volume of $150mm per month, an increase of 30% from first month Lead Team responsible for clearing and disputing all loan defect and investor buy back requests saving site avg. $250k per month.Escalation Support for Sales and Fulfillment on denials, disputes, and loan amounts up to $2 million including FHA loansProvided 2nd Level review of Complicated SE income, Assets, Red Flags and Appraisals Bank of America Feb 2009-May 2012 Charlotte, NCAVP/DE Credit Administrator/National Underwriting Government Credit Coach/Sr. QAA Train and supervise Test Case Phase for FHA DE Underwriter Candidates taking 10 underwriters through full certificationCoach and instruct Underwriters and Underwriting Managers with deficient loans Provide Loan Audit Support for Quality Assurance,Create Training Presentations for specific Fulfillment Sites per need Provide Operations Consultation for Mortgage Fulfillment and Mortgage Sales for best practices and implementation of credit policy updates.Provided Training on Income, Assets, and Red Flags to Operations Center in St Louis, MO (90+ participants)Provided Training for FHA Streamline, and VA Irrrl to Operations Center in Sacramento, CA. (30+ participants)Created and provided training course for FHA non-traditional credit and FHA Streamline Refi. Provided Operational Support and Training to Seattle, WA Operations Center as needed, including Reg X, and income training.Equity Services Inc October2007-Feb2009 Huntersville, NC Wholesale Underwriting ManagerFHA DE Underwriter as well as underwrite USDA RDH, Conforming and Alt- A loans Underwrote 11 of 15 required test cases for ESI Full Eagle Manage, Train/Mentor Underwriters including 2 offsite. Increased volume production each month averaging 20% increase month over month.Establish underwriting credit policy, procedures, protocols, and audit procedures to prevent and cure loan defects including Authored Conventional UW guidesManager investor relations including buyback and defect resolution requests Provide escalation support for AE and Regional Sales Managers Create QC program to reducing defects by 35% month over month Responsible for training and onboarding all new Underwriters.First Magnus Financial Corp. August 2006-August 2007 Huntersville, NC Underwriter Level 6 FHA DEM&T Mortgage Corp. October 2005-July 2006 Greensboro, NC Underwriter III FHA DEFlick Mortgage Investors March 2005 October 2005 Greensboro, NC Senior Underwriter - FHA DETop Underwriter from June 2005 to August 2005 doing over 25% of total volume and 0 defects Decision One Mortgage July 2004-March 2005 Charlotte, NC Final UnderwriterFirst Greensboro Home Equity/Homeland Capital Greensboro, NC Senior Underwriter May 2003 - July 2004EducationEast Carolina University MBA May 2014 Greenville, NC University of North Carolina at Greensboro BS May 2003 Greensboro, NC Skills and InterestMicrosoft Office including Visio, MBA classes included special focus on Operations and Supply Chain Management including process improvement in incorporating Information Systems into Industries, and Customer Relations, and Activity Bases Costing. |
