ARLENA C. BARNETT

Warrensville Hts, OH *****

216-***-****

acd7kn@r.postjobfree.com

OBJECTIVE

Career oriented, motivated, and experienced financial professional (11 years) seeking a challenging position, where I can use my excellent interpersonal and organizational skills to contribute to the improvement of the company as well as progress within. Willing to relocate for the right opportunity.

SUMMARY OF SKILLS

Proficient computer skills, especially Microsoft Office applications: WORD, Excel, PowerPoint, Access. Also, proficient in specialized software systems and formatting documents

Exceptional verbal and written communication

Complex conflict/problem resolution

Process training and development

Extensive: Appraisal, Credit, Title analysis

Extensive Income analysis: Self-Employed, Cooperate, and Partnership Returns

Compliance Expert (Reg X)

Exceptional ability to manage multiple tasks/projects and deadlines simultaneously

Outstanding interpersonal skills with both internal and external customers

Thorough knowledge of loan processing, closing and funding policies and procedures

Excellent Debt-to-Income; Loan-to-Income; and Cash-Flow Analysis

Proficient with Conventional, Government, and HARP loans

Knowledgeable with DU/LP guidelines

Highly ethical

EXPERIENCE

Wells Fargo Independence, OH

11/2012 to 09/13

Consumer Loan Underwriter II

Analyzed the overall loan transaction and documents to ensure that they are accurate, complete, and compliant to company and industry guidelines.

Reviewed credit reports, paystubs, and tax returns in order to calculate applicable ratios to determine affordability/repayment, asset coverage, credit utilization, fraud prevention, and risk assessment.

Stayed current on company trainings and company updates to stay abreast on changes within underwriting provisions and enhancements to the automated underwriting system.

Maintained exceptional communication skills in order to re-negotiate deals, and to explain rationale behind credit decisions.

Worked efficiently and effectively to maintain a 24 hours turn time on all deals.

Chase Cleveland, OH

HL Retail Underwriter, 08/2010 to 11/2012

Reviewed submitted loans to analyze for Capacity, Capital, Character and Condition, to assure and ensure that loans met all program and product specifications.

Maintained thorough knowledge and proficiency in: HARP loans, MI policies, offering appropriate counteroffers, and adhering to bank and federal fair lending practices.

Staying on top of productivity and quality goals and safeguarding appropriate turn times. Received 2-3 Initial submits daily and 5-10 re-submits.

Continuously, achieved 100% quality scores along with monthly bonuses for hitting the benchmark of closing 15+ loans per month.

Processed loans from application to close status. I obtained & verified documents such as title, taxes, escrows, appraisals, subordinations, insurance, credit reports, and various other certifications, disclosures, and forms for accuracy.

Ensured that loans closed within an acceptable time frame by being proactive to reduce problems early on. I was constantly among the Top 5 producers closing between 25-30 loans per month while managing a pipeline of 60-70 loans.

Bank of America Independence, OH

07/2009 to 07/2010

Home Service Specialist II (Contractor)

Responsible for thoroughly opening, processing, and scheduling the closing on loans that had been approved by an Underwriter or an automated decisioning system.

Verified customer income/assets documentation.

Ordered title and resolved title deficiencies regarding vesting, liens, subordinations, etc.

Communicated with co-workers, service agents, and the borrowers regarding issues such as: appraisals, escrows, title, frequent borrower inquires, and any other issue of concern that may develop.

Assisted with closings by scheduling the closing of the loan in accordance with the borrower and mobile notaries.

US Bank N.A. Bedford, OH

06/2005 to 07/2008

Mortgage Loan Purchase Specialist II

Reviewed Bond loans for 32 states to ensure compliance with bank, regulatory, underwriting, note control, funding, investor guidelines and customer service standards to determine acceptability.

Delivered loan packages in a timely manner to Secondary/Pooling Unit for sale on Secondary market. Reviewed 10-15 loans daily.

Maintained accurate knowledge of Fannie Mae and Freddie Mac guidelines in order to properly assess conventional loans; along with maintaining knowledge of FHA, VA, and USDA loans.

First American Cleveland, OH

11/2004 to 6/2005

Customer Service Representative -Team Leader

Reviewing documents that were rejected by various counties across the country.

Sent daily written correspondence and monthly reports to various lenders (banks / credit unions) requesting resolutions.

Maintained complete knowledge of various state and county requirements in order to properly answer the various lenders’ daily inquires efficiently.

Within 3 months of being hired I was promoted to Team Lead and responsible for coaching and training new employees.

Charter One Bank, N.A. Cleveland, OH

12/2002 to 11/2004

Loan Processor II

Performed duties related to Home Equity, Penny, and Unsecured loan applications.

Opened escrow by ordering preliminary reports and credit payoffs; ordered appraisals; generated loan documentation; ordered credit reports; ordered evidence of insurance; and worked with title companies.

Verified insurance declaration pages for adequate coverage and sent correspondence when necessary.

Utilized Microsoft Access to import and print daily reports.

Promoted business for the bank by maintaining good customer relations and referring customers to appropriate staff for new services.

EDUCATION

Cleveland State University Cleveland, OH

Business Management w/ Interest in Finance: In Progress

Warrensville Heights High School Warrensville Heights, OH

Graduated: June, 2001 Awarded: Diploma

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