OBJECTIVE To obtain an executive level management position that will allow me the opportunity to use the knowledge and expertise I have gained in the Mortgage Banking Industry.
SKILLS PROFILE
• Excellent knowledge of Mortgage Banking Operations
• Thorough knowledge of FHA, VA and Conventional Loan Programs
Proven record of successfully managing underwriting and processing departments in retail mortgage lending institutions.
EMPLOYMENT HISTORY
Horizon Consulting, Technical Reviewer
Lansdowne, VA Contract Assignment
September •••••October •••••
Perform post endorsement technical reviews of selected cases submitted to the HOC for mortgage insurance. Performed post endorsement technical reviews of selected cases insured under the Lender Insurance program. The purpose of the review is to determine the completeness, accuracy and quality of closing documents, mortgage credit documentation/underwriting and to indentify the degree of risk, if any, present in each case insured.
Vice President, Greenbrier Mortgage,National City Mortgage
Virginia Beach, VA January •••••April •••••
• Originated FHA, VA, Conventional and Bond loans.
• Conducted Homebuyer education Seminars.
• Established Realtor relationships and strategic alliances with financial planners, attorneys and non-profit organizations to develop and retain a referral base.
• All loan volume originated was self-generated.
• Developed and promoted own marketing campaigns.
• Initiated and planned projects to promote generational wealth in minority communities.
• Primary focus was the First Time Homebuyer, low to moderate income and minority buyers and borrowers.
Underwriting Manager, Met America
Virginia Beach, VA October •••••October •••••
• Individual credit decisioning as well as supervision of all activities of mortgage application processing, underwriting and credit decisioning for the company. In partnership with CEO, COO and president, develop annual business objectives and create strategies to achieve them.
• Set and achieve company budget for underwriting.
• Develop and achieve long-term strategic objectives with respect to portfolio performance and underwriting staffing productivity.
• Manage daily operations of direct report.
• Perform daily activities of retail underwriting on a credit-by-credit basis.
• Continued development of AUS decision systems to achieve improved efficiency and departmental profitability.
• Revised and refine underwriting manual on an on-going basis.
• Set underwriting authority levels for staff.
• Develop integration of automated workflow application processing creating quality checks along the production line.
• Direct contact and staff underwriter responsible for helping MetAmerica achieve it’s full eagle delegation for FHA approval.
Home Mortgage Consultant, Wells Fargo Home Mortgage December •••••October •••••
Virginia Beach, VA
• Originated FHA, VA, Conventional and Bond loans.
• Conducted Homebuyer education Seminars.
• Established Realtor relationships and strategic alliances with financial planners, attorneys and non-profit organizations to develop and retain a referral base.
• All loan volume originated was self-generated.
• Developed and promoted own marketing campaigns.
• Initiated and planned projects to promote generational wealth in minority communities.
• Primary focus was the First Time Homebuyer, low to moderate income and minority buyers and borrowers.
• Average closed loan volume approximately ••••• units at ••••• million per month.
Loan Underwriter/Processing Manager, Tidewater Mortgage Services, Inc. May •••••December •••••
Virginia Beach, Virginia
• Responsible for credit and appraisal Underwriting of Conventional, Government, and VHDA loans.
• Working with DO, LP, and Clout automated underwriting systems.
• Responsible for training and development of loan officers and processors in conventional and government lending.
• Responsible for knowledge of products for various investors.
• Established processing handbook and TMSI training manual for operations staff
• Developed workflow structure and company loan cancellation procedures.
• Responsible for hiring operations staff
• Managed processing pipeline.
Senior Loan Underwriter, Mortgage Guaranty Insurance Corporation May •••••February •••••
Virginia Beach, VA
• Responsible for credit and appraisal underwriting of Conventional Conforming and Non-conforming loans.
• Working with DU and LP automated underwriting systems.
• Responsible for training and development of loan officers and processors in FNMA and FHLMC broker and seller guidelines.
• Responsible for knowledge of products for various investors.
Loan Underwriter, Wells Fargo Home Mortgage September •••••April •••••
Virginia Beach, VA
• Responsible for credit and appraisal underwriting of Conventional, Government and Bond Loans.
• Working with automated underwriting systems.
Loan Underwriter/Operations Manager, SIB Mortgage d/b/a Ivy Mortgage Corporation October •••••September •••••
Virginia Beach, VA
• Responsible for all underwriting credit and appraisal underwriting for conventional and government loans.
• Managed daily operations of branch.
• Manage employee relations.
• Responsible for recruiting administrative and production staff.
• Responsible for training new loan officers and processors as well as other administrative staff.
• Assisted loan officers with marketing strategies.
• Accompanied loan officers on sales and training seminars to prospective clients, agents, and other referral partners.
Processor/Loan Underwriter, Southern Trust Mortgage, July •••••October •••••
Virginia Beach, VA
• Responsible for processing conventional and government loans for Vice President of Company.
• Responsible for underwriting conventional and fha loans.
• Obtained VA Lapp Approval
• Responsible for underwriting all VA appraisals and issuing LNOV
Loan Underwriter/Operations Manager,
MidAtlantic Financial Group May •••••July •••••
Virginia Beach, VA
• Responsible for underwriting Conventional and government loans to include VHDA for 2 retail branches.
• Managed daily operations of branch
• Managed employee relations.
• Responsible for recruiting operations and production staff.
• Maintained employee records.
National •••••k Coordinator,
Columbia National Mortgage January •••••May •••••
Virginia Beach, VA
• Responsible for coordinating •••••k loans for company
• Reviewed all •••••k files prior to submission to underwriting to ensure that loans were being submitted properly.
• Trained analyst s and loan officers on •••••kn guidelines and procedures.
• Reviewed good faith estimates and •••••k worksheets to ensure proper disclosure to loan applicants.
• Maintained loan officer and contractor data base.
• Wrote •••••k reference manual for all Sales and operations staff
• Managed •••••k pipeline for company
• Created quarterly •••••k newsletter for company.
REFERENCES • Sarah Stedfast/Countrywide Mortgage •••••
• Shani Twyman/Tidewater Mortgage Services, Inc •••••
• Carol Klass/The Real Estate Group •••••
• Carmen Mills/ William E. Wood @ the Mall •••••
• Jackie Hellgeth/personal •••••
• Seth Crowder/Wachovia Mortgage •••••
• Janet Ahl/MGIC •••••
• Christina Gonzales/First American Corelogic •••••
