Sandy Simmons
VP of Underwriting at ClearEdge Lending- Claim this Profile
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Bio
Steve Mageras
Sandy is an adaptable and versatile mortgage professional that would make a great addition to any team. I could always count on Sandy to take on new and challenging roles and find a way to succeed, regardless of the circumstances. She understands mortgage credit as well as anyone I know and can be relied on to make important decisions. Sandy is a dedicated professional with the unique skill to be a strong individual contributor as well as a thoughtful leader. I would highly recommend her for any role in your organization.
Debbie Henry
Sandy was my link to the corporate office and mentor for my new position within the company. Sandy was the person that I would call for clarification on new guidelines, process improvement and compliance issues. It was easy to be open and honest with Sandy when corporate mandates did not work as planned, she was able to get the message across to the corporate officers and was able to make the appropriate changes necessary. Sandy worked in the capacity of Production Manager within the branch at one time, so she understood better than anyone what obsticles we were up against in the "field" and I always felt that support and understanding. Sandy has a wonderful sense of humor, and an ability to get things done. She has a way of assisting and giving you a "friendly" push in the right direction when necessary. Sandy is able to see the potential in individuals even when they might not see it. Sandy often selected me to work on special projects with the corporate office, because she knew that it would be done with the professionalism required, but more than that, she was looking out for my future development with the company. Sandy would be a wonderful asset to any company lucky enough to hire her. Sandy is positive, has good listening skills and is a real people person.
Steve Mageras
Sandy is an adaptable and versatile mortgage professional that would make a great addition to any team. I could always count on Sandy to take on new and challenging roles and find a way to succeed, regardless of the circumstances. She understands mortgage credit as well as anyone I know and can be relied on to make important decisions. Sandy is a dedicated professional with the unique skill to be a strong individual contributor as well as a thoughtful leader. I would highly recommend her for any role in your organization.
Debbie Henry
Sandy was my link to the corporate office and mentor for my new position within the company. Sandy was the person that I would call for clarification on new guidelines, process improvement and compliance issues. It was easy to be open and honest with Sandy when corporate mandates did not work as planned, she was able to get the message across to the corporate officers and was able to make the appropriate changes necessary. Sandy worked in the capacity of Production Manager within the branch at one time, so she understood better than anyone what obsticles we were up against in the "field" and I always felt that support and understanding. Sandy has a wonderful sense of humor, and an ability to get things done. She has a way of assisting and giving you a "friendly" push in the right direction when necessary. Sandy is able to see the potential in individuals even when they might not see it. Sandy often selected me to work on special projects with the corporate office, because she knew that it would be done with the professionalism required, but more than that, she was looking out for my future development with the company. Sandy would be a wonderful asset to any company lucky enough to hire her. Sandy is positive, has good listening skills and is a real people person.
Steve Mageras
Sandy is an adaptable and versatile mortgage professional that would make a great addition to any team. I could always count on Sandy to take on new and challenging roles and find a way to succeed, regardless of the circumstances. She understands mortgage credit as well as anyone I know and can be relied on to make important decisions. Sandy is a dedicated professional with the unique skill to be a strong individual contributor as well as a thoughtful leader. I would highly recommend her for any role in your organization.
Debbie Henry
Sandy was my link to the corporate office and mentor for my new position within the company. Sandy was the person that I would call for clarification on new guidelines, process improvement and compliance issues. It was easy to be open and honest with Sandy when corporate mandates did not work as planned, she was able to get the message across to the corporate officers and was able to make the appropriate changes necessary. Sandy worked in the capacity of Production Manager within the branch at one time, so she understood better than anyone what obsticles we were up against in the "field" and I always felt that support and understanding. Sandy has a wonderful sense of humor, and an ability to get things done. She has a way of assisting and giving you a "friendly" push in the right direction when necessary. Sandy is able to see the potential in individuals even when they might not see it. Sandy often selected me to work on special projects with the corporate office, because she knew that it would be done with the professionalism required, but more than that, she was looking out for my future development with the company. Sandy would be a wonderful asset to any company lucky enough to hire her. Sandy is positive, has good listening skills and is a real people person.
Steve Mageras
Sandy is an adaptable and versatile mortgage professional that would make a great addition to any team. I could always count on Sandy to take on new and challenging roles and find a way to succeed, regardless of the circumstances. She understands mortgage credit as well as anyone I know and can be relied on to make important decisions. Sandy is a dedicated professional with the unique skill to be a strong individual contributor as well as a thoughtful leader. I would highly recommend her for any role in your organization.
Debbie Henry
Sandy was my link to the corporate office and mentor for my new position within the company. Sandy was the person that I would call for clarification on new guidelines, process improvement and compliance issues. It was easy to be open and honest with Sandy when corporate mandates did not work as planned, she was able to get the message across to the corporate officers and was able to make the appropriate changes necessary. Sandy worked in the capacity of Production Manager within the branch at one time, so she understood better than anyone what obsticles we were up against in the "field" and I always felt that support and understanding. Sandy has a wonderful sense of humor, and an ability to get things done. She has a way of assisting and giving you a "friendly" push in the right direction when necessary. Sandy is able to see the potential in individuals even when they might not see it. Sandy often selected me to work on special projects with the corporate office, because she knew that it would be done with the professionalism required, but more than that, she was looking out for my future development with the company. Sandy would be a wonderful asset to any company lucky enough to hire her. Sandy is positive, has good listening skills and is a real people person.
Credentials
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DE Underwriter
FHAOct, 2010- Nov, 2024
Experience
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ClearEdge Lending
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United States
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Financial Services
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1 - 100 Employee
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VP of Underwriting
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May 2018 - Present
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Acopia, LLC
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United States
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Financial Services
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1 - 100 Employee
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Mortgage Underwriter
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Mar 2015 - May 2018
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zIngenuity Properties, LLC
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United States
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Real Estate
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1 - 100 Employee
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Defense Resolution Consultant
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Jul 2011 - Mar 2015
• Responsible for interpreting and defending lender clients against mortgage insurance rescissions and repurchase demands. • Diligently analyzed carrier and investor assertions, performed the requisite investigation, and constructed individual appeal letters to achieve optimal results. • Consistently produced above company average of mortgage insurance reinstatements and repurchase rescissions. • Analyzed and underwrote mortgage loan files for credit worthiness, investor compliance and loss mitigation. Required to analyze credit reports, calculate income, and evaluate appraisal documents to ensure compliance with client and investor published guidelines. • Launched an internal audit and quality control system, through Quick Base, to ensure the highest quality execution of product for clients. • Coordinated the onboarding of a claim filing project for a large reverse mortgage servicer including review of client process, recommendation of improvement and direct claim filing which lead to project completion ahead of the scheduled deadline. Show less
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BluFi Lending
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Financial Services
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1 - 100 Employee
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Vice President of Operations
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Apr 2010 - Aug 2011
• Oversaw daily branch production including; loan setup, processing, underwriting, docs, funding, and post-closing in a multi-state lending environment. • Worked closely with company owner, management peers, sales and production staff to facilitate successful communications across company lines. • Conducted focus groups to assess areas of success and opportunity between sales and operations teams. • Successfully managed FHA test case phase to obtain full branch delegation including direct contact with HUD staffing and personally underwriting each test case loan to specific requirements. • Developed processes and procedures for each operations department in support of company objectives. • Structured company underwriting philosophy based on multiple lender guidelines to ensure each loan was compliant and salable. Including conventional, FHA, VA, HAMP and HARP products. • Conceived and created a quality control process to meet investor and regulatory requirements. Show less
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First Franklin
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Financial Services
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100 - 200 Employee
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Regional Vice President of Production
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May 2004 - Mar 2007
• Provided leadership and advocacy to six operation centers focusing on process analysis, training and development of employees and managers, adherence to compliance requirements, customer service standards, quality loan processing and secondary market gain on sale execution.• Established standardized branch workflow within regional footprint increasing efficiencies and productivity.• Collaborated and implemented a region wide branch management accountability process resulting in increasing loan quality, reducing overhead, and standardizing policy.• As part of a team, contributed to the corporate underwriting guideline philosophy, development, and ongoing modification.• Consulted with branch leadership teams to streamline and reduce underwriting conditions increasing loan closings by over 12%.• Held loan underwriting and signing approval up to $1,250,000.00 and corporate underwriting override authority to $1,500,000.00. Show less
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Wholesale Branch Operations Manager
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Jul 1990 - May 2004
• Responsible for hiring and training all branch operation positions; customer service representative, underwriter, loan closer, shipper and post-closer.• Keenly aware of the sales and operations relationship and its impact on business, volume and synergy.• Built a branch reputation as a provider of the highest quality service available from a lender, supported by Campbell Survey ratings. • Produced over one billion in annual loan production maintaining above industry average gain-on-sale.• Held largest available market share in San Diego county year-over-year.• Key contributor in a technology team that selected customized and implemented a loan origination system for a wholesale environment.• Successfully developed and implemented a process to eliminate duplicating loan packages improving productivity and reducing branch overhead by 5%. Show less
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Property Insurance Supervisor
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Jun 1989 - Jul 1990
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Loan Processor
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Oct 1988 - Jun 1989
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Closing Supervisor
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Oct 1986 - Aug 1988
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Customer Service Officer
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Jul 1982 - Oct 1986
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Community
