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Click here or scroll down to respond to this candidateCandidate's Name
Jacksonville, FL Street Address
EMAIL AVAILABLEPHONE NUMBER AVAILABLETo secure a position where I can use my knowledge to move in a direction of growth for a large organization; utilizing my strong analytical skills while working independently to help the entire team achieve its objectives. Accomplished and highly motivated individual with over twenty years of experience in the financial industry. Several years of experience with management and supervisory roles back to 2005 Extensive knowledge of many different software. Excels at providing superior attention to detail and exceptional customer service. Work ExperienceSenior QC UnderwriterSitusAMC - RemoteFebruary 2017 to July 2022Underwriting FHA, VA, USDA, Conventional, Jumbo, Non-QM and DSCR loans. Completing Quality Control reviews. Due Diligence Underwriting. Stip Clearing. Training new hires. Assisting with Compliance Procedures and Processes. Providing feedback to Transaction Managers and Quality Control Managers to assist in identifying trends in review and areas of improvement for training purposes. Cross trained in Seasoned Compliance for ability to move within several departments based on business needs. Underwriting 2-4 loans per day or 6-8 QC underwrites. Reviewing recently closed residential mortgage transactions for ATR, Appendix Q, and Safe Harbor QM compliance. Analyze note, 1003, security instrument, NMLS information, appraisal, purchase contract and Desk Review, if applicable, credit, income and asset documentation, Rate lock, Loan Estimates, Change of Circumstances, Closing Disclosures, application disclosures and any lender run Compliance and Fraud reports, if applicable. Review the information against the AUS submitted, if applicable, or against lender guidelines. Run Compliance Engine against the documentation provided and determine if the exceptions and ratings are valid or are inaccurate due to inaccurate data entry. Providing feedback to the underwriter due to the corrections that are made as a learning opportunity and for growth to improve their knowledge and future quality. Meet with Customer Service Managers, Quality Managers and Personnel Managers, regularly to learn about new guideline changes for the lenders we work with, provide feedback on common trends that are noted as being completed incorrectly, offer advice on how to facilitate training methods to assist underwriters with understanding and recognizing invalid exceptions and listen to areas that I can improve my performance. Regularly monitor my own Quality Control scores to identify areas that I can improve my performance. Using that knowledge to attempt to keep my QC score above 99.8%. Loan Experience: Conventional, Jumbo, FHA, VA, Non-QM, DSCR, Fix & Flip Construction and Business Loans, USDA, CHFA, CHFA/DAP, IHFA.Quality Control UnderwriterTotal Mortgage Services, LLC - Milford, CTJune 2013 to December 2016Started as Account Manager in Wholesale division. Moved to Prefunding QC in Retail. Promoted to Post Closing Manager. Oversaw department of 12 employees. Approved time off requests, time cards, completed employee reviews, maintained workflow, conducted weekly meetings, oversaw compliance procedures and completed review for all Mavent escalation requests. Quality Control Underwriter for last 6 months. Conducted weekly meetings to apprise team of changes or new lenders, when and what to expect during Audits; as well as, meeting with Operations Department to come up with new ways to avoid investor suspense issues by implementing compliance checks prior to sending loans to closing. Closely worked with the Secondary Department regarding new investors. Mortgage ProcessorISGNNovember 2012 to June 2013Loan Document Specialist IIIWells Fargo Home MortgageApril 2009 to July 2011Associate Medical UnderwriterHartford Life Group Benefits DivisionOctober 2007 to December 2008Processing SupervisorWPI Accurate Financial, LLCMay 2006 to January 2007Processing SupervisorProgressive Mortgage, LLCApril 2004 to May 2006Loan ProcessorMortgage Finance Corp.March 2003 to March 2004Temporary Assistant to Loan CloserGMAC MortgageSeptember 2002 to December 2002EducationBusiness FinanceUniversity of Phoenix OnlineSkills Clarity Acuity Encompass DU LP FHA Connection VA Loan Guaranty MicrosoftWord Excel PowerPoint AOW Lotus Notes Outlook Microsoft Publisher Microsoft Works Calyx Byte Mortgage Builder Doc Velocity Desktop Originator TMO Quantum Blitz Docs LIS Underwriting Analysis Skills Banking Credit Analysis Financial Analysis Management Business Development |
