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Click here or scroll down to respond to this candidateCandidate's Name
Street Address PHONE NUMBER AVAILABLE EMAIL AVAILABLEMortgage ExaminerQUALIFICATIONS PROFILEMultifaceted and performance-focused professional, with broad-based experience in credit and financial analysis, contract negotiation, loan processing, and underwriting.Well-organized underwriter, with proven ability to review mortgage loan files, reconcile discrepancies, and identify and mitigate risks, while providing support to ensure compliance with various investor, company, state, and government requirements.Highly organized professional, armed with expertise in analyzing and documenting required information, ensuring the completeness and accuracy of loans, as well as generating sound decisions.Team leader and articulate communicator, adept at developing and training teams, along with building strong relationships with all levels of individuals.AREAS OF EXPERTISEMortgage and Consumer Lending Portfolio Management Reports Generation and DocumentationRetail Banking Customer Service Continuous Process OptimizationMoney Laundering Fraud Identification Regulatory Compliance Sales manager for construction companyPROFESSIONAL EXPERIENCESelf EmployedSales Manager-Independent Contractor Sept 2023 PresentDeveloped and maintained strategic sales plans to achieve company growth objectives within the construction and roofing sectorsEstablished and maintained strong relationships with key decision makers including architects, contractors, property managers, and homeowners.Identified market opportunities and conducted thorough market research to assess competitive landscape and industry trends.Manage the full sales cycles from lead generation and prospecting to negotiation and closing of contracts.Collaborated with cross functional teams including marketing operations and finance to ensure alignment and support for sales initiatives.Monitored sales performance metrics, analyze data, and implemented corrective actions as needed to drive continuous improvement.Quest Advisors, Inc. Durham, NCQC Analyst Mar 2020 Sept 2023Perform thorough review and credit analysis of mortgage loans to ensure compliance with set forth underwriting and investor guidelinesMaintain solid awareness of mortgage lending products, policies, processes, and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA), and portfolio productsDemonstrate keen attention to detail in fulfilling other tasks, such as income types computation, real estate appraisals assessments, and title reports evaluationsOrganize and compile all loan files based on portfolio and investor guidelines to guarantee marketability while verifying documented underwriting exceptionsRooms To Go Dunn, NCIndependent Contractor Apr 2019 Mar 2020Assumed responsibility for maintaining and operating a 26-foot box truck, including loading, unloading, delivering, and assembling furniture in customers homesConsistently exceeded performance expectations by maintaining a high customer service rating throughout tenureAdministered employee hiring, orientation, and payrollBB&T Wilson, NCML Correspondent Loan Underwriter III Sep 2012 Feb 2018Rendered hands-on assistance and supervision to correspondents/other department personnel on issues related to BB&T, Federal Home Loan Mortgage Corporation (FHLMC), Federal National Mortgage Association (FNMA), FHA, VA, and Rural Housing lending policies and compliance issuesCommunicated with mortgage insurance (MI) companies to negotiate loan approvals, obtain required information, and verify BB&T/investor guidelinesConducted detailed pre-funding/pre-closing underwriting analyses on more complex mortgages exceeding the conforming loan limit and complex self-employed borrowers with a higher credit riskKeenly analyzed credit and property loans purchased from correspondents in collaboration with delegated underwriting authorityObtained additional information, documentation, and/or development from correspondents to ensure that all loans are underwritten and purchased in accordance with BB&T/investor guidelinesCandidate's Name
5073 Stonewood Pines Drive, Knightdale, North Carolina 27545 PHONE NUMBER AVAILABLE EMAIL AVAILABLEIBM Lender Business Processing Services (LBPS) Durham, NCMortgage Loan Asset Specialist Sep 2010 Sep 2012Analyzed the application, income, assets, expenses, and credit report to determine the most appropriate loan workout option for the customerStrictly followed all state and federal guidelines implemented by the company, FANNIE MAE, and the investorFacilitated training for new employees to familiarize them with company processes, procedures, and workflowEffectively managed escalated calls from borrowers who required more explanations of the loan modification process and those who were highly stressed from the possibility of losing their propertyParticipated on management meetings and rendered hands-on assistance to employees on daily job functions and escalated callsEducated customers on a variety of mortgage financing while providing recommendation on value-added services to meet client needsServed as a subject matter expert (SME)Wachovia/Wells Fargo Bank Raleigh, NCLoss Mitigation/File Reviewer Jul 2009 Aug 2010Mortgage Specialist Feb 2009 Jul 2009Received and reviewed documents for the completion of a loan modification, including credit reports, paystubs, tax returns, bank statements, w2s, and any other documentsAnalyzed documents to ensure borrowers expenses are within the state and Federal guidelines in order to qualify for a loan modificationCoordinated with borrower, mortgage specialist, attorney, and the title company to drive a smooth purchase/refinance processMaintained an effective pipeline to remain abreast on potential closing dates, lock expiration dates, and correct any errors in the LIS systemEarned multiple accolades by demonstrating excellent work performance such as the following:Top 5% across the site and several shared success awardsCountrywide Bank Raleigh, NCSenior Account Executive Mar 2003Apr 2008Conducted outbound calls to generate new business opportunities, as well as follow-up with existing customersBuilt and strengthened relationships with builders and real estate brokers to identify referral opportunitiesCollaborated with the Loan Processing Team to resolve any mortgage application discrepancies or post-closing issuesAnalyzed the application, income, assets, expenses, and credit report to determine the most appropriate loan workout option for the customerEstablished a reputation as a top performer with a history of exceeding sales and customer expectations; with volume ranging from $1.2M to $2M and average of 7 to 9 funded loans each monthReceived awards including:Five-time top 1 in sales volume out of 85 account executives in the region; andFour-time top 1 in units sold among 85 account executives in the regionAlltel communications Raleigh, NCSales Executive Mar 2000Mar 2003Maintained active involvement throughout the sales cycle, from lead generation and presentations to deal negotiations and closingTook charge of contacting potential and existing customers through phone, email, and in-person communicationEARLIER CAREERNordic Warehouse Benson, NCTrusteeBowman Enterprises Benson, NCMicrofilm ProcessorEDUCATIONCoursework in Business ManagementJohnston Community College Smithfield, NCTECHNICAL ACUMENLotus Notes Loan Prospector (LP) Act Desktop Underwriting (DU) Encompass SharePointAutomated Underwriting Systems (AUS) CLUES Edge Genesis Calyx Real Estate Master 10-Key CalculatorWindows 2000 Microsoft Office Suite (Word, Excel, PowerPoint, Outlook, and Excel) |
