Cheryl Wiggins

P.O Box ******

Dallas, T.X. *****

Home Phone 404-***-****

acet99@r.postjobfree.com

Objective

A motivated results-oriented project manager with over 15 years of

experience as a team leader. A self-starter with excellent

analytical, organizational and communication skills. A Proven

ability to handle multiple tasks simultaneously and manage the

talents of a team.

Experience

2014 to 2014 Ekenif International Corporation

Plano, Texas

Contract Project Manager

. Developed the project control systems i.e. project execution

plan(s.). Monitored the cost of the project, while keeping track of

changes, progress, milestones and adhering to key deliverables.

. Prepared invoices, budgets, bids, project employee payroll and project

management initiatives.

. Adhered to plans, estimates and requirements through implementation

and deployment.

. Established and maintained contact with contractors, clients and

owners to ensure the overall quality of the project, while remaining a

constant escalation point of contact and liaison.

. Monitored tactical plans, team tasks and delegated responsibilities.

. Developed and adhered to a timetable for implementation plan.

Monitored project objectives and budgets.

. Managed day-to-day operational aspects of a project and scope.

2013 to 2014 Recovco Mortgage Corporation

Irving, Texas

Forensic Underwriter

. Performed a risk analysis and forensic review on various client's

mortgage loan files. Made appropriate and intelligent decisions

regarding deficiencies identified during the review of mortgage loan

files to ensure compliance with company, industry and federal

guidelines, while diligently identifying transaction components that

indicate the potential of fraud within the loan documents. Wrote and

prepared a legal claim detailing loan deficiencies and fraud issues

that have been subsequently identified.

. Examined and preformed complete re-underwrites of closed files in

response to specific allegations of deficiencies in pooled loans

for representations and warrants. Documented the quality of loans

underwritten, assessed files for completeness and accuracy as well

as compliance with the appropriate loan guidelines. Wrote and

prepared the appropriate legal rebuttal for future court

proceedings expert witness testimony.

2013 to 2013 NewOak Capital

Dallas, Texas/ Remote

Contract Forensic Underwriter/Consultant

. Examined and preformed complete re-underwrites of closed files in

response to specific allegations of deficiencies in pooled loans for

representations and warrants. Documented the quality of loans

underwritten and deficiencies, assessed files for completeness and

accuracy as well as compliance with the appropriate loan guidelines.

Wrote and prepared the appropriate legal rebuttal for future court

proceeding expert witness testimony.

2012 to 2013 New Bold Advisors

Euless, Texas

QC Underwriter

. Evaluated and documented the general quality of loans underwritten by

originations, by conducting pre-funding and post close audits that

involved a prudent re-underwrite and analysis of each loan file.

. Properly assessed and responded to fraud indicators and performed

research when necessary.

. Demonstrated proficiency in automated and manual underwriting

applications, assessed results, to ensure loans that were funded meet

internal policies/procedures; investor requirements; state/federal

regulations; and insurer/guarantor requirements.

. Reviewed appraisals for accurate property valuation.

. Ensured documentation is appropriate to support credit decision.

. Evaluated closing documents and collateral package for compliance.

. Communicated with underwriting/management regarding QA/QC audit

conditions/ results.

. Transmitted post close QC findings to responsible parties within the

line of business.

. Consistently performed self-training and research on FNMA, FMAC

guidelines and Investor guidelines.

2012 to 2012 Nationstar Mortgage

Irving, Texas

Underwriter IV

. Underwrote mortgage loan files in compliance with Nationstar Mortgage

and Investor underwriting guidelines. Strictly adhered to specified

underwriting guidelines to FNMA, FMAC, and agency loans.

. Verified all documentation associated with mortgage origination of

files including but not limited to: income, asset, credit, appraisal

and title information.

. Effectively communicated required conditions to the branch/division

and assists where possible to expedite final approval of the file.

. Promptly and accurately reviewed files within specified timelines to

issue pre-approvals and final approvals. Ensured accuracy between

file, LOS (TMO) and final AUS findings. Adhered to investor credit

standards and completeness.

. Authorized to withdraw and decline loans based on final review to

ensure compliance with Freddie Mac and Fannie Mae guidelines.

Accustomed to working under extreme time constraints for timely end

of the month loan closings.

2011 to 2012 Metlife Home Loans

Irving, Texas/Remote

Underwriter IV

. Reviewed and verified all items provided via correspondent lender for

A-Paper borrowers for accuracy, DTI, Investor lending requirements,

disclosure, closing and lending requirements. Reviewed loan files via

a paperless environment to ensure that loans met Fannie Mae, Investor

and Federal guidelines. Provided a second layer of quality control

using extensive knowledge of standard underwriting practices in

regards to income, appraisals, credit review and fraud indicators,

etc. Performed a final analysis and decision to ensure that the

liability taken on by the company will not result in a non-saleable

loan. Cleared final closing conditions sent in by correspondents.

. Review in detail and accuracy all aspects of files including income,

credit, quality to ensure adherence to investor credit standards and

completeness.

. Authorized to withdraw and decline loans based on final review to

ensure compliance with Freddie Mac and Fannie Mae guidelines.

2010 to 2011 Bank of America, LLC

Dallas, Texas/ Remote

Residential Mortgage Underwriter III

. Reviewed and verified all items provided by the borrowers for

accuracy. Reviewed loan files to ensure that loans meet Fannie Mae,

Investor and Federal guidelines. Provided a second layer of quality

control using extensive knowledge of standard underwriting practices

in regards to income, appraisals, credit review and fraud indicators,

etc. Performed a final analysis and decision to ensure that the

liability taken on by the company will not result in a non-saleable

loan.

. Applied Investor and manual underwriting guidelines knowledge to all

files in combination to automated underwriting system results to

reduce deficiencies.

. Responded directly to investor audits. Reviewed closed loan

documentation and performed sufficient investigative work utilizing

traditional mortgage origination knowledge, standard underwriting

practices and client's selling guide/servicing guide.

.

Performed an origination risk analysis and made decisions regarding

deficiencies present that initially should have been identified.

Accurately recorded data and facts composed a written response to

investor finding and entered response in QAS.

.

Identified potential fraudulent transactions and activities.

Compiled data and reported with supporting documentation to

departments according to company policy.

2009 to 2010 Konkase Enterprises, LLC

Atlanta, Georgia

Owner/Project Manager

. Provided property preservation, REO restoration and asset

management services to a wide array of clients and vendors

including Field Assets Services, Bank of America, American Home,

Country Wide, Pemco (HUD) and Asset Management Services.

. Developed project control systems i.e. project execution plan(s.).

Monitored the cost of the project, while keeping track of changes,

progress, milestones and adhering to key deliverables.

. Performed the scheduling and budgets of evictions, initial foreclosure

services, maintenance, repair construction and other turn-key services

for residential bank owned properties.

. Performed the recruiting, interviewing, hiring, training scheduling

and management of daily activities of over 12 employees on a

continuous basis. Prepared invoices, budgets, bids, BPO's, payroll and

project management initiatives.

Negotiated bids with clients and subcontractors to provide cost effective

and reliable services with personal attention to every project.

Executed multiple in their entirety including acquisition, scheduling,

design, production and completion while maintaining a strict level of

quality control.

2004 to 2009 Southlake Mortgage and Lending

Jonesboro, Georgia

Residential Mortgage Underwriter

. Manually reviewed and analyzed borrower documentation to determine

income and repayment ability, assess borrower hardship, analyze

housing expenses and determine proper loan resolution. Reviewed all

loan files for red flags and potential fraud, performed necessary

review to reduce default risk

. Utilized various automated systems to verify supporting documents

for employment, property characteristics, value and credit to

ensure compliance to all internal and external/ regulatory

guidelines.

. Selected required conditions on each deal to be satisfied by the

solicitor and the broker prior to funding.

. Corresponded with mortgage brokers to obtain outstanding

documentation needed to complete requirements as stipulated on the

commitment. Accustomed to working under extreme time constraints

for timely end of the month loan closings. Performed underwriting

duties from home office utilizing paperless systems.

2000 to 2004 All Fund Mortgage Union City, Georgia

Branch Manager

. Successfully managed the closing process for up to 30 Conventional,

Subprime and FHA loan packages per month

. Performed the pre-underwriting of all loan packages to ensure

Lender compliance, efficient documents and quality control.

. Established the process and materials for monthly home buying

seminars.

. Key speaker for all seminars with an audience of 20 to 40

prospective clients.

. Communicated with Underwriters and Account Executives to clear loan

conditions of problem files.

. Trained the new Processors, Loan Officers and other employees on

various mortgage finance principles and Computer Systems.

. Performed the recruiting and hiring of new employees.

. Processed employee payroll and company expenses and monthly

reporting.

1999 to 1998 TWF Technology Development Atlanta,

Georgia

Project Manager Assistant

. Assisted senior project manager on project development while

maintaining communication with 15 team members daily

. Assisted in the implementation of step-by-step processes of the

planning, management direction, project completion and financial

expenses.

. Performed project coordination, cost tracking, job cost analysis,

meetings for administration and clients and preparing weekly progress

reports of the project.

. Reviewed deliverables prepared by team before passing to client, while

enforcing project standards.

Education

2014 - 2014 Career Academy Dallas, Texas

Certified Associate in Project Management (CAPM)

2009 - 2010 University of Phoenix Atlanta, Georgia

Business Administration

2004 - 2005 Clayton State University Morrow,

Georgia

Business Administration

2001 - 2004 Capstone Institute of Mortgage Finance

Marietta, Georgia

. Completed the following mortgage finance courses:

Fundamentals of loan processing, Creative financing, Qualifying the

self employed borrower, Understanding FHA and processing, Principles

of mortgage finance and Georgia Certified regulations and

compliance. Completed courses for mortgage broker, Appraisal review,

certified loan specialist and FHA underwriting principles.

Skills

Conventional Loan underwriting Axiom

Retail Underwriting LIS/LP, DU, AUS

Appraisal /Title review Wholesale Underwriting DE

Certification Training Quick books

Lending Authority Reviewing Tax Returns

SASE Certification Manual Underwriting Remote Underwriting

TMO Empower

Status Mart and AS400 Microsoft Office Suite

Powerpoint

References available upon request

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