Gayle Norris

Dunedin, FL

acb5g2@r.postjobfree.com

727-***-****

Skills:

• Aptitude to prioritize, multi task, and organize in a fast pace environment.

• Superior knowledge of mortgage terminology, requirements and forms.

• Mortgage Processing software Calyx, Contour, DU, DO and LP and investor specific LPS

• Strong oral and written communication skills.

• Process/Underwrite loans from 1003 to post closing for accuracy and compliance

• Superior knowledge of Microsoft office products to include but not limited to Word, Excel, and

Outlook, etc.

• Team player and willing to adapt to change.

• Compliance and training for new loan officers and Trained and Mentored processing staff.

Professional Experience:

Aerotek Contract Employment, Tampa, FL

PennyMac, Tampa, FL Position: Correspondent Audit Specialist

• Review mortgage loan files post closing for accuracy and compliance for the specific program

and investor to sell to Fannie Mae, Freddie Mac, FHA and VA for purchase.

• Temporary assignment June-August 2013

JPMorgan Chase - Tampa, FL

Mortgage Modification, Retail Processing June 2009 - May 2013

• Retail processing for refinancing Conventional, FHA and VA

Take incoming calls and make outbound calls to customers to update and answer questions about their

mortgage modification. Answer all questions to the best of my ability, calm customers that were upset and

explain status. Requested and review documents needed for application for the mod process. Make

comprehensive notes in their system file for future contact. Carried an average pipeline of 50-100 loans.

Position changed after 3rd year to retail loan processor. Collecting documentation, verifying it is complete

and correct submitting to underwriting for approval for home loan. Carried a average file pipeline of 50-

80 loans per month.

Bank of America

Contract Underwriter temporary February 2009 - May 2009

• Underwriting all loans that did not qualify for automated underwriting

• Underwriting authority up to $650,000

Wells Fargo Mortgage August 2008 - December 2008

Contract Underwriter temporary

• Retail Underwriting Conventional

Universal American Mortgage August 2006 – June 2008

Point of Processing Underwriting

Reviewing documentation, verifying it is complete and in compliance and make adjustments when

needed. Contacted customers to obtain correct documents needed for approval. Calculating income and

assets and debt ratios to determine guideline compliance and made approval or decline recommendations

based on the information in the file.

**Move from California to Florida

Cal Pacific Mortgage March 2002 – January 2006

Sr. Correspondent Underwriting and Team Manager

• Opened loans from taking sales applications to closing and funding. DU, DO, LP, AU, Optis.

• Authorized for 650,000 in underwriting authority

• Designed custom web site, created marketing plans and seminars along with flyers, brochures and

presentations.

• Compliance training for new loan officers and Trained and Mentored processing staff

PMI – San Diego, CA January 2001 - January 2002

Underwriting and Administration

• Complete file setup, DU and LP files and underwrite, sign off conditions, ship files.

American Home Loans – San Diego, CA February 1997 - December 2001

Co- Owner

• Supervise and train sales and processing staff in San Diego. DU, LP and CLUES and complete

review for all loans before underwriting by investors.

Other Previous: Countrywide Home Loans in Houston and San Diego Wholesale inside Rep-5 Years

references supplied on request.

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