Maureen Perre,

*** ******* *** #***, ********* Springs, FL, 32701 Phone: 310-***-**** E-mail:

acn0w9@r.postjobfree.com

PROFILE SUMMARY:

• Experienced professional with a successful career in banking.

• Enjoys challenges, competition and accustomed to working under pressure and strict deadlines.

• Excel at interfacing with others at all levels to ensure organizational goals are attained.

• Proactive approach has resulted in on time closing, customer satisfaction.

• Possess excellent interpersonal, customer service, analytical, and organizational skills.

• Excel within highly competitive environments where leadership skills are the keys to success.

• An effective manager with the skills necessary to direct, train, and motivate staff to its fullest

potential.

PROFESSIONAL EXPERTISE:

Solid understanding of Loan Processing (7 yrs +) & frontline conventional Underwriting.

Sales experience focusing on client relationship management and profiling.

Working knowledge of Lexis Nexis, Data Verify Systems, DU and LP Desktop

Effective negotiation, sales, relationship building and customer service skills.

Good follow-up skills (Ability to manage a file from opening to closing).

Superior communication, interpersonal and organizational skills.

Working knowledge of Freddie Mac and Fannie Mae guidelines and loan eligibility requirements.

Working knowledge of ensuring file is approved in accordance with investor's guidelines.

PERSONAL SKILLS:

Team player, who also works well independently; strong communication, listening and problem solving

skills; interfaces well with all levels of staff and management, excellent customer service & Sales skills;

ability to multi-task and detail oriented.

TECHNICAL SKILLS:

Software Application: Calyx Points, LOS, LP and DU systems: Countrywide Clues, Idasl, Optis, In

House-Loan Processing Systems, Datatrac and Automated Underwriting Systems, Laser Pro.Fiserve,

Microsoft Office Tools (Access, Word, Excel, PowerPoint). Outlook,,SAP-crystal reports.

EMPLOYMENT:

WELLS FARGO 2008-2009, 02/12-2015- CONSUMER LOAN UNDERWRITER 3

Performed full review of mortgage loans in accordance with underwriting guidelines ensuring secondary

market salability and investor salability. Job functions includes but not limited to: determining

acceptability of borrower's credit history, work history and income documentations. Reviewing loan

documents for accuracy, Analyzing self-employed borrower, working with processors and account

managers to ensure files flow through, and conditions on files are satisfied. Review of preliminary reports

and appraisal.

Provide back up support to Operations Managers when needed.

Spechomes: Loan Processing and Underwriting Manager (Retail) 2000-2004 and 07-2012

Performed duties that include but not limited to:

Review commercial and residential loan files

Selecting suitable loan program for clients, cross sell other suitable products to clients.

Supervised processors, reviewed all files in house for accuracy & compliance

Processed loans from A-lender to Sub-prime,

Reviewing and investigating 1003 for precise, detailed information and accuracy, collect, review and

validate documentation, calculating income, funds to close, reviewing and verifying credit report and

other income and liabilities. Signed off on loan conditions, analyzed title report, purchase contract and

escrow instructions, identified potentially fraudulent information, performed verbal verification of

employment.

Responsible for reviewing loan files and determine what documentation is outstanding and notify

customer in writing as to what remains outstanding, and follow-up with customer to obtain needed

documentation.

Prepare and pre-underwrite files and submit the loan file to DU, underwriter when needed.

Clear all underwriting and funding conditions.

Wells Fargo Bank- Banker-2008-2009 (3rd shift 6-12)

Top Performer on team and always within expected goals, current duties include but not limited to:

Processing and underwriting loan files, Offering customers products that meet their ongoing financial

needs, Profiling customers account to ensure all financial needs are met and providing benefit of product

to clients to sustain their business needs.

Exceeding sales goals and providing exceptional customer service, this resulted in capturing numerous

accounts and expanding client base.

.

HSBC Mortgage Services/Household/D1 MTG -Underwriter (Wholesale & Correspondence)-04/04 -

06/07. Performed duties that includes but not limited to:

Review mortgage loan submissions and issue Conditional Loan Approvals in compliance with Investor

and Bank guidelines, & within turn around time.

Develop and maintain relationships with partners (brokers, escrow) to maximize sales opportunities.

Reviewed and cleared conditions as required (front & back End). Stayed current on Investor/Bank

guidelines & procedure requirements and ensure compliance therewith.

Perform review of 1003, credit, supporting documents, income, appraisal & title.

Ensure loan is acceptable as structured & make alternative structuring recommendations.

Ensure compliance to federal, state, bank and investor regulations/requirements.

Underwrite to minimum expectations of 6 - 8 loan files per day.

Maintain underwriting quality standards; provide feedback to AE & Acct mgr.

EDUCATION:

Bachelors of Business Administration (Specialization in Operations and Project Management) - Brunel

University, UK - 1998 (graduated with Honors).

HND Business and Finance, Northampton University College - 1995 (graduated with Honors).

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