| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidateCandidate's Name
Street Address Rand PL. NEWashington, DC Street Address
Attn: Human Resource DepartmentThank you for your time and consideration in choosing my resume as one of the possible candidate for the position.As you can see from my resume my skills range from mortgage banking operations to the finance industry, I am highly self-motivated and goal oriented professional committed to pursuing a long-term career in the mortgage banking and finance field. I offer twenty plus years of mortgage banking and financial track record demonstrating a strong customer service, analytical skills, computer proficiency and the ability to follow through with projects from inception to completion. I am seeking an opportunity to broaden my knowledge and to further my educational background. Self-starter that needs little or no supervision and in, which I grasp a hold to new things quickly. I am open to new and brighter ways of thinking. Very responsive to both positive and negative comments, within your organization I can be a positive member to your team.I am a season professional with extensive experience in all-administrative and operational aspects of the mortgage banking and financial services industry. Expertise/emphasis is in administration, operations such as underwriting, processing, closing, post-closing, servicing and loss mitigation. Experience in regulatory and compliance activities including privacy in the traditional and Internet Banking and Mortgage Banking environment; which I possess an in-depth experience in strategic planning and management of growth and change.Again, thank you and I look forward to hearing from you in the near future.Sincerely,Candidate's Name
Candidate's Name
2220 Rand PL. NEWashington, DC 20002PHONE NUMBER AVAILABLEObjective:To enhance my knowledge of the mortgage banking operations and finance industry from mutually beneficial employment experiences that fully utilize my professionalism, acquired skills, and commitment to effective leadership.Employment History:Atlantic Mortgage Inc. Baltimore, MDSr. / DE Underwriter 03/12 03/22Underwritten loans to ensure compliance with appropriate company, secondary market investor, and government agency standards. Reviewed credit and appraisal documentation submitted and re-compute calculations, as required, to verify accuracy Reviewed conforming conventional loans with limited risk and made decisions; Made loan decision with minimal supervision, based on the credit employment and income stability, as well as the property, based on the appraisal submitted. Acting as a liaison between Origination, Processing, Underwriting, Closing and Corporate Staff; while leading and maintaining an upbeat and helpful culture between individual roles. Responsible for recruiting, interviewing and hiring the necessary staff for processors, closers and funders. Ensuring that quality and timely loans are produced and escalating potential fraud issues to Corporate Operations and Compliance. Implemented and monitored systems and procedures for tracking progress and increasing efficiency of staff and branch protocols. Ensured each file meets all corporate and regulatory policies and procedures. Managed, monitored and followed up with each processing and closing employee to maintain the proper workflow. Developed, reviewed and recommended overall operational systems and procedures relating to the mortgage lending function Troubleshooted, issues on files, errors on payroll of direct reports, and technology breakdowns Developed new methods and procedures to make daily operations more efficient. Managed projects involving deployment of new systems and procedures Troubleshooter, issues on files, errors on payroll of direct reports, and technology breakdowns. Maintained a broad knowledge and thorough understanding of Federal, State and Agency regulations, policies and procedures Developed and maintained an effective organization through the selection, training, compensation, motivation, termination and review of all assigned employees Provided guidance and direction to employees to assist them in their professional development Monitored daily, weekly and monthly production reports related to Fair Lending and other Federal requirements Stepped in when needed for processing, underwriting, funding, closing and doc drawing.Underwritten 4-6 loans a day, which were FHA, USDA, FHLMC, FNMA, Ginnie Mae, conventional loans and; which requires you to do a compliance review to include RESPA, TILA, HMDA Maintained working knowledge of all AUS also reviewed according to urgency resubmission Accurately recorded data and reviewed conclusions in a QAS (Quality Assurance System) Professionally communicated the results of file reviewed both verbally and in written format to internal and external customers Maintained a sound knowledge of guidelines, LP guidelines, DU Guide and risk assessment tools used to decision Reviewed and evaluate information on mortgage loan documentation to determine if borrower and/or property meet loan standards.Completed a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards.Communicated decisions (approval, suspense, denial) on loans to appropriate parties both verbally and in writing.Evaluated the entire credit package and collateral for residential mortgage loans and ultimately ensure an "investor" quality loan productFreddie Mac McLean, VA Sr. Quality Control Underwriter/Compliance Analyst 11/09 - 03/14Underwritten 4-6 loans a day, which were FHA, USDA, FHLMC, FNMA, Ginnie Mae, conventional loans and; which requires you to do a compliance review to include RESPA, TILA, HMDA Maintained working knowledge of all AUS also reviewed according to urgency resubmission Accurately recorded data and reviewed conclusions in a QAS (Quality Assurance System) Professionally communicated the results of file reviewed both verbally and in written format to internal and external customers Maintained a sound knowledge of guidelines, LP guidelines, DU Guide and risk assessment tools used to decision Reviewed and evaluate information on mortgage loan documentation to determine if borrower and/or property meet loan standards.Completed a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards.Communicated decisions (approval, suspense, denial) on loans to appropriate parties both verbally and in writing.Evaluated the entire credit package and collateral for residential mortgage loans and ultimately ensure an "investor" quality loan product.Performed review audits on loans that are performing and non-performing Made decisions based on research conducted if the loan would be re-purchased or if the lender followed the master agreement and guidelines for the loan file Reviewed loan-level quality assurance by reviewing loan files, analyzing and reporting on significant loan quality trends, and initiating necessary action(s) to mitigate losses. Reviewed close and open loans; for eligibility with respect to Freddie Macs Selling Guide, (LP Guide), Fannie Maes Selling Guide (DU Guide) and/or negotiated terms as defined by contracts with Freddie Macs lender partners Performed risk analysis and made decision regarding deficiencies identified during the review process Identified transaction components that indicated a potential for fraud and perform sufficient investigative work to resolve issues that are identified Maintained a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activityEducation:Keiser University 2006 - PresentSkills:DE Certified BM32, LexisNexis, DISCO, Hansen AVM, Brain, knowledgeable in Reg.: CC, E, Z, CRA, and FDCPA, RESPA, FCRA etc. Proficient in Windows, Excel, Word, PowerPoint, Lotus Notes, Oracle, WordPerfect,Lucent/CMS, Center View, CISCO Phone System, AVAYA, AT&T, Nor star Meridian, IVR Systems, PeopleSoft, AS400, Novell Local Network, OPAC, FMSI I & II, OSTATS, Lemans Production, Lotus 123, FoxPro, EDS general ledger system etc. |
