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CERTIFICATIONS

NOTARY   TX   PENDING        |  FIRE WARDEN    TX   04/2012  | UNDERWRITER CERT  FL  04/1999

CITI BANK UW   TX   10/2012  |  BROKER CERT  FL 12/1999      |  LOAN PROCESSOR CERT  FL  12/1998

Skills

MORTGAGE CRITICAL SKILLS
LP                     \       VA                            \      MERS                              \      HARP DE                     \      FHA                          \      REG B                             \      FNMA DU                    \      USDA                        \      REG Z                             \     USPAP LPM                 \      HECM                        \     RESPA                             \     FHLMC FHAC               \      DOC MAGIC            \     PROCESSING                 \     HDMA REVIEWS  WEBLGY          \     LEXIS NEXIS            \      MANAGEMENT           \     FRAUD REVIEWS DATATRAC    \     DATA VERIFY          \     UNDERWRITING          \    ASSETS REVIEWS ENCOMPASS   \    DATA INTEGRITY   \     QUALITY CONTROL   \     COLLATERAL REVIEWS
MORTGAGE TRAINING
CITI FRAUD AWARENESS             TX   11/2012    \    CHASE FIRE WARDEN    TX    04/2012 CITI FAIR LENDING                        TX   09/2012    \    ENVOY VA RED FLAGS  TX    04/2011 CITI ANALYZING ASSETS             TX   09/2012    \    ENVOY RESPA                  TX    01/2011 CITI BANK UNDERWRITING        TX   09/2012    \    FHA HECM’S                    TX    11/2010 CITI ANALYZING COLLATERAL TX   09/2012    \    FHA 203(K)                        TX    08/2009 CITI ANALYZING RISK                  TX   09/2012    \    VA WEBLGY                      NY    03/2004 CITI ANALYZING INCOME           TX   09/2012    \    LGYXPRESS                      WA    02/2003 CHASE BANK PROCESSING          TX   05/2012    \ 
MICROSOFT PRODUCTS
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References

Klare Paul

Tessa Vitatoe

Ronald Williams

Quinten Robertson

Munir Mohammad

Teresa Moore

Ernest Morton

Kenneth Phillips

Work experience

Aug 2012May 2013

Retail Underwriting Team Manger (SME)

Sutherland Global Services
  • Client – Citi Bank / Citi Mortgage
  • Managed 10 team members & Subject Matter Expert (SME)
  • Performed sound loan decisions with credit signatures from $ 417k to $ 4.1M
  • Created and Implemented strict internal performance standards (purpose of hire)

  • Facilitated daily team meetings & huddles with updates on performance and recognition

  • Ensured team met daily, weekly, and monthly SLA’s with quality goals via pipelines reviews

  • Held under-performing members accountable via coaching & performance improvement plans

  • Identified trends, developed action plans, & recommendations to leadership to improve metrics

  • Assisted team members w/ HAR SS loans according to Fannie Mae and Freddie Mac guidelines

  • Participated in weekly calibration calls and facilitated call review sessions w/ senior management

  • Coached team on Credit, Capacity, Cash Assets, Collateral, Compensating factors, & Debit Ratios

  • Provided team building activities to enhance team relationships, reduce attrition, and tweak metrics

Apr 2012Aug 2012

Officer - Retail Processing Team Manager (SME)

JP Morgan Chase
  • Managed 10 team members & tracked team unit performance and monitored daily business
  • Met department KPI metrics so the processing turn times could exceed projected benchmarks
  • Transferred and/or registered new team members on NMLS registration per federal regulations
  • Demonstrated the ability to manage workflows, priorities, and turn-times for loans in processing
  • Handled exceptions, resolved complex issues, documented & introduced new procedures to staff
  • Proven track record to ensured high standards for customer service for internal/external customers
  • Provided team building activities to enhance team relationships, reduce attrition, & improve metrics
  • Managed overall processing functions in accordance with KPI minimum productivity standard metrics
  • Coached team on Income types, DU/LP, Communication, PC literacy, Closing Support, & Compliance
Apr 2009Apr 2012

Gov't Insuring Manager (SME)

Envoy Mortgage Ltd.
  • Performed sound loan decisions via FHA Connections 
  • Coached team on how to clear investor suspense items
  • Managed 5 team members and insured 99.9% of all government loans
  • Supervised team to insure loans within 60 days from funding the UFMIP
  • Trained team on MLC’s, LGC’s, LNG’s & how to address NOR and Agency Letters
  • Reviewed 1003, calculated income, assets, & reviewed credit reports with accuracy
  • Managed team to audit, print, & ship gov’t files within 24 hours of receipt of the request
  • Generated KPI reports to senior management on insured/uninsured loans, NOR’s, and risk
  • Managed timely & accurate endorsement submissions prior to the borrower’s first payment date
  • Created the government insuring department business processes for auditing & re-underwriting
  • Re-underwrote loans for accurate income, assets, & appraisal data inputted in FHA Connections
  • Reviewed collateral, determined flipping, comp adjustments, & re-verified comps for reasonability
Jun 2004Nov 2007

UW QC Coordinator

Edison Mortgage Decisioning - GMAC
  • Reviewed 1003, calculated income, assets, & reviewed credit reports with accuracy
  • Reviewed appraised value within a 15% tolerance according to company & investor guidelines
  • Identified non-compliance, misrepresentation within income, assets, occupancy, and collateral
  • Re-calculated & evaluated borrower's files to client's information for accuracy and completeness 
  • Validated employment, verification's, income, assets, and collateral to identify data discrepancies
  • Reviewed loan processes, analyzed & summarized reviews, conducting examinations and audits
  • Identified trends, problems, issues, and communicated findings to senior management and staff
  • Reviewed collateral, determined flipping, comp adjustments, & re-verified comps for reasonability
  • Obtained AVM’s, county records, nearby sales, & subject sales history to identify subject valuations
  • Performed pre-funding audits from underwriters to identify / detect amiss controls & market trends
  • Wrote detailed reviews communicating adverse findings to senior management & production staff

Contract Risk Investigation / EPD Analyst – Onsite for GMAC/Homecomings Financial, Dallas, TX

  • Supported manager in review of other specialists reporting
  • Performed research to support identified fraud or misrepresentation
  • Prepared well written descriptive and informative reports of identified suspicious activity
  • Investigated delinquent accounts, early payment defaults, and wrote re-purchase loan reviews
  • Wrote forensic reviews communicating early payment default & findings to senior management
  • Reviewed mortgage loan files that was identified to contain possible fraud or misrepresentation
  • Analyzed under performing loans, re-purchased loans, & rendered sound, prudent risk decisions
  • Supported management with the proficient ability to provide meaningful data analysis on demand

Contract Underwriter – Onsite for Merrill Lynch, Seattle, WA

  • Credit signature up to $ 417,000.00
  • Performed sound loan decisions via manual underwrite, DU, and LP
  • Evaluated debt & loan-to-value ratios, credit scores, collateral, assets, & logicality of income
  • Cleared conditions, performed appraisal reviews to ensure FNMA, FHLMC, & investor guidelines
  • Examined over-all loan documentation, cleared conditions, and provided excellent client relations
Jul 2003Jun 2004

Contract Residential Underwriter

RPI Alternatives - Washington Mutual
  • Credit signature up to $ 650,000.00
  • Reviewed 1003, calculated income & assets, and reviewed credit reports with accuracy
  • Performed sound loan decisions via manual underwrite, DU, & LP submitted from internal LO's
  • Re-calculated & evaluated borrower's files to client's information for accuracy and completeness
  • Validated employment, verifications, income, assets, and collateral to identify data discrepancies
  • Reviewed collateral, determined flipping, comp adjustments, & re-verified comps for reasonability
  • Familiar with fraud red flags and outside public services used to determine or verify misrep / fraud
  • Cleared conditions, performed appraisal reviews to ensure FNMA, FHLMC, and investor guidelines
  • Analyzed policies on condo's, HOA's, deeds, by laws, pre-sales, REO’s, "walls in" ins & sale contracts
Feb 2003Jul 2003

Contract Project Manager

The Clayton Group - Bay Mortgage
  • Managed 5 team members
  • Performed sound loan decisions
  • Managed project resource allocation, planned and schedule project timelines
  • Defined project tasks and resource requirements and developed full scale project plans
  • Implemented project changes, interventions to achieve project outputs, & assessment results
  • Provided direction/support to team, reports defining project progress, problems, and  solutions
  • Lead the planning & implementation of project and facilitated the definition of project scope and goals
Jun 2002Feb 2003

Government Insuring Specialist

Mortgage Bankers' - Centex Mortagage
  • Maintained department standards for loan volume and insurance turn times
  • Reviewed government loans for submission to FHA / VA for insurance or guarantee certificates
  • Submitted guarantee applications to FHA / VA portals timely & accurate to reduce risk exposure
  • Reviewed loan file audits of data and documentation per FHA, VA or USDA agency requirements
  • Prepared reporting to branches and/or management including the status of aged or problem loans
  • Reviewed electronic imaged loan files for completeness and accuracy before requesting insurance
  • Followed up with NOR deficiencies and resolved all pre-submission insuring issues for guarantee’s
Nov 2001Jun 2002

Government Insuring Specialist

First Horizons Home Loans
  • Maintained department standards for loan volume and insurance turn times
  • Reviewed government loans for submission to FHA / VA for insurance or guarantee certificates
  • Submitted guarantee applications to FHA / VA portals timely & accurate to reduce risk exposure
  • Reviewed loan file audits of data and documentation per FHA, VA or USDA agency requirements
  • Prepared reporting to branches and/or management including the status of aged or problem loans
  • Reviewed electronic imaged loan files for completeness and accuracy before requesting insurance
  • Followed up with NOR deficiencies and resolved all pre-submission insuring issues for guarantee’s