Experience

Sibcy Cline Mortgage Services

• United States
• Financial Services
• 1 - 100 Employee

• Correspondent SAR/LAPP DE Underwriter

  • Jul 2020 - Present

  Currently working on completing SAR/LAPP trainings and certifications Currently working on completing SAR/LAPP trainings and certifications



NRL Mortgage

• United States
• Financial Services
• 200 - 300 Employee

• Correspondent DE Underwriter

  • May 2017 - Jul 2020



Sibcy Cline Mortgage Services

• United States
• Financial Services
• 1 - 100 Employee

• Correspondent DE Underwriter

  • Jun 2015 - May 2017

  -Knowledgeable of the following programs, guidelines and Investor overlays: Conventional (Pacific Union, BB&T, Fifth Third, Chase, Ditech, Wells Fargo, US Bank), Rural Devlopment/USDA, OHFA & KHC, GE JUMBO loans -Experienced FHA DE underwriter familiar with 4000.1 handbook -Analyze income, credit, assets and collateral to ensure compliance with Investor guidelines as well as specific investor and lender overlays -Evaluate appraisals by utilizing thorough knowledge of investor requirements and restrictions -Asses condominiums for both FHA and Investor loans, including questionnaires, budgets and master policies to ensure investor and HUD requirements are met Show less



Tata Consultancy Services

• India
• IT Services and IT Consulting
• 700 & Above Employee

• Mortgage Underwriter

  • Jul 2012 - Jun 2015

  United Guaranty -Individually selected to pilot project with United Guaranty based on my high quality of work, low-error rate and high efficiency speed -Underwrite conventional compliance only loans and conventional loans requiring mortgage insurance -Developed comprehensive knowledge of United Guaranty’s mortgage insurance underwriting guidelines to apply alongside conventional underwriting requirements -Analyze income, credit, assets and collateral to ensure compliance with Freddie Mac and Fannie Mae guidelines as well as specific investor and lender overlays -Evaluate appraisals by utilizing thorough knowledge of investor requirements and restrictions -Communicate directly with numerous lenders to obtain loan approvals, review conditions and discuss loan denials to ensure client satisfaction and to consistently meet client goals and expectations CitiMortgage -Acquired lending authority from CitiMortgage to underwrite HARSS loans -Developed vast knowledge of CitiMortgage HARSS program requirements and regularly changing program updates -Consistently met quality control requirements and client established goals Show less



Fifth Third Bank

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Credit Analyst

  • May 2010 - Jul 2012

  -Approved lending authority up to $500k on Freddie Mac Streamline refinances (i.e. HASP, HARP) -Utilized and cited Freddie Mac and Fannie Mae credit guidelines -Accountable for clearing title issues, subordinations, credit report discrepancies, and completing files for closing -Interfaced between clients and Mortgage Loan Officers to meet Fifth Third’s service lending agreement expectations -Enrolled in underwriting mentor program working test case files to obtain FTM lending authority; allowing credit analysts to satisfy underwriting conditions Show less



PRISM Title & Closing Services

• United States
• Real Estate
• 1 - 100 Employee

• Operations Specialist

  • Apr 2007 - May 2009

  Supported management and departmental sub-groups within the closing department by utilizing the developed knowledge from cross training Worked with key staff members to assist in maintaining strong relationships with core business accounts Co-member of team that effectively marketed title services to various lenders, realtors and brokers Responsible for the development and implementation of the organizational processes/procedures to facilitate efficient work flow Cross trained in all positions of the closing department to develop and broaden my knowledge base Closing Specialist Prepared Final HUD Settlement Statements while abiding by RESPA guidelines Initiated consistent communication with all REO parties (i.e. Asset Managers, Banks, Agents, Lenders, Buyers) to ensure that appropriate procedures are followed Oversaw the closing process to include clarification of fees, documents and procedures Liaison between the client, realtor and buyer to ensure smooth closing transaction Territories: Ohio Show less



Ownit Mortgage Solutions

• Financial Services
• 1 - 100 Employee

• Account Manager

  • Jul 2004 - Dec 2006

  Co-managed pipelines to close an average of 100 loans per month while maintaining an organized process Prepared and reviewed files as an underwriter proxy creating an efficient streamline process Supported top producing account executives on a consistent basis while earning employee of the month honors twice Cognizant of the frequent product and credit guideline modifications to ensure proper implementation Restructured loans to meet the needs of the customer while adhering to corporate guidelines Managed customer volume for multiple Account Executives spanning over various geographical regions (i.e; Knowledgeable of economic and housing trends in my respective territories Evaluated loan conditions for acceptability against corporate criteria Anticipated and rendered services from the perspective of the customer Analyzed borrower assets to determine sufficient collateral Closer/Funder Verified final documents for closing transactions Audited collateral packages to ensure requirements were achieved Approved preliminary HUD statements and adhered to government regulations to initiate wire transfers Assisted coworkers with their duties to comply with closing schedule deadlines set forth by management Show less



U.S. Bank

• United States
• Banking
• 700 & Above Employee

• Underwriter

  • Feb 2001 - Jul 2004

  Established understanding and experience in mortgage lending, compliance and processing Proficient in front-end mortgage processing, income calculation and credit grading Mastered ability to decision subprime mortgage loans, evaluate appraisals, income and credit bureaus in a high volume environment Able to multi-task and process internal and external customers with excellent service and a knowledgeable foundation Closing Manager Promoted from entry level to management within six months due to high performance metrics Supervised a team of 8 closer/back-end processors for a non-conforming mortgage division and conducting training for new hires Ensured quality control and instituted policy and procedure for closing and funding departments Directed daily operations utilizing critically needed skills in time management and organization Show less