Patricia Anne Shupe

***** **** ***** ***** # ***

Fairfax, VA 22033

Ph: 443-***-****

Email: ad1hkt@r.postjobfree.com

SKILLS SUMMARY

Professional, Loan Processor, Operations Manager and DE Underwriter with expert knowledge from origination to modification audits. Organized and determined procedures for Office of the Comptroller of Currency modification review project. Managed Staff and daily functions to accomplish OCC requirements for the project. Committed to customer service excellence. Loves a challenge and takes pride in making any endeavor a success. Excellent record of achievements and advancements through increasing responsibilities with proven management skills, leadership and knowledge.

•Exceptional problem-solving skills

•Excellent analytical and communication skills

•Specializes in Staff training

•Extensive understanding of loan modification procedures and requirements

•Specializing in recognizing and solving specific loan issues

•Proficient with the flowing software programs:

•Microsoft Word, Excel, Outlook, and Sharepoint

•Encompass

•Calyx POINT

•Fannie Mae Desktop Underwriter

•Freddie Mac Loan Prospector

WORK EXPERIENCE

American Homestar Mortgage, LLC September 2021 to July 2022

DE Underwriter- Specializing in Manufactured Home New Construction

•Review and condition FHA, and Conventional loans, both FNMA and FHLMC

•Calculate income and review appraisals

•Review title and suvey for compliance

•Sign off on final inspections after construction complete

City Lending October 2020 to May 2021

DE Underwriter; QC Auditor

•Review and condition FHA, and Conventional loans, both FNMA and FHLMC

•Calculate income and review appraisals

•Audit loans of other Underwriters for compliance with guidelines and completeness

•Assist with other underwriter pipelines at month end or during absence.

United Trust Financial, LLC January 2020 to October 2020

Contract Processor

•Review Conforming Non-Conforming Freddie & Fannie and FHA loan files for salability and compliance per federal and state guidelines.

•Calculate and review income, assets and supporting documentation to determine qualification based on state federal and program guidelines

•Analyzing and underwriting complex consumer requests and performing due diligence analysis

•Review and clear conditions provided for closing

Webb Mortgage Funding Corp February 2019 to Dec 2019

Contract Processor

•Review Conforming Non-Conforming Freddie & Fannie and FHA loan files for salability and compliance per federal and state guidelines.

• Calculate and review income, assets and supporting documentation to determine qualification based on state federal and program guidelines

•Analyzing and underwriting complex consumer requests and performing due diligence analysis

•Review and clear conditions provided for closing

Homestead Gardens March 2018 – January 2019 *

Cashier/Customer Service

•Count Cash Drawers at beginning of shift and balance at end of shift

•Keep work area clean

•Provide customer service on retail products in the store

•Help with setting up displays

On Medical leave from April 2018 to October 2018

Guidance Residential, LLC June 2016-Dec 2017

Underwriter/Processor

•Review Conforming Freddie & Fannie loan files for salability and compliance per federal and state guidelines.

•Calculate and review income, assets and supporting documentation to determine qualification based on state federal and program guidelines

•Review and clear conditions provided for closing

•Analyzing and underwriting complex consumer requests and performing due diligence analysis

Crosby Corp. assigned to Freddie Mac July 2014 to June 2016

Servicer Loan File Reviews

Quality Assurance

•Auditing of servicer loan modifications to verify compliance with guidelines.

•HAMP, Standard Modifications, Streamline Modifications and Short Sales.

•Review of procedures and testing of new materials and systems.

•Reporting of egregious errors and rebuttals to management to determine if further action is to be taken against the Servicer.

Wells Fargo Home Mortgage Dec. 2012 to Feb. 2014

Consumer Loan Underwriter Level 3

•Analyzing and underwriting complex consumer requests and performing due diligence analysis.

•Manual underwriting of all types of conforming loans Fannie Mae, Freddie Mac and loan restructuring

•Achieved score of 100% in quality control

Greylocke assigned to Treliant Risk Advisors Sept. 2011 to Nov. 2012

Quality Control Lead for Office of the Comptroller of Currency Project

•Audited Loan Modifications of Freddie Mac and Fannie Mae HAMP and Standard Programs

•Determined Quality-Control procedures, trends and issues

•Determined corrective action

•Instrumental in set up of systems to complete and report audit results to the OCC and management

•Reduced file review time from 6 hours per file to 3 hours

•Tested and advised Technical staff of system glitches

Workway assigned to Capital One March 2011 to July 2011

Fraud Specialist

•Reviewed and made determination of files referred for suspected fraud investigation

•Completed fraud detection techniques and filed appropriate reports including SAR (Suspicious Acts Reporting)

*Privacy Act prohibits specifics

Crosby Corp. assigned to Freddie Mac Feb 2009 to Dec. 2010

Non-Performing Loans Audit Underwriter for Freddie Mac

•Reviewed and determined Program eligibility as it pertained to salability of original product per Freddie Mac contract with Originating entity. Consisting of Conforming, Non-Conforming and specialty Programs throughout the country

•Received performance bonuses for meeting volume and quality goals

American Life Insurance July 2007 to Jan. 2008

Benefits Director

•Sale of Life and Health Insurance Products

•Earned Sales Bonus every month for reaching goals set by manager

Nationwide Home Equity March 2006 to June 2007

Operations Manager/Sr. Underwriter

•Managed operations personnel .Underwrote for all programs including conforming and non -conforming.

•Identified risk issues on decisioned loans and potential fraud

•Completed, distributed and presented reports of audit findings to identify exceptions, discrepancies, trends and recommendations

•Revised in house guidelines and procedures resulting in better file flow and increased company income.

•Obtained Secondary Market Lender commitments for special projects derived from Commercial Division such as “Condotels

Credit-Suisse/ Lydian Data Services Oct. 2005 to March 2006

Lead Underwriter - Wholesale Division

•Underwrote all Credit Suisse products, Conforming and Non-Conforming as well as Sub-Prime submitted by Retail Brokers. Specialized in underwriting multiple property submissions (15 properties refinanced by one Borrower)

•Improved customer service relations with Brokers through direct communications

Nations Home Lending Center Mar.2000 to Sept. 2005

Operations Mgr./ Sr. Underwriter

•Implemented restructure of company main focus from Second Mortgage Lender to Wholesale Lender. Revised and streamlined processing, underwriting and closing procedures resulting in faster turn times and better quality loans. Supervised the daily work schedule for all Processors, Underwriters, Closers and Post Closers, including payroll and benefits .Conducted

•training for sales and operations staff including production of taped training seminars on new products and general underwriting principals. Refined programs to conform to Nations General

•Criteria . Performed internal Quality Control spot audits of 10% of loans in production Negotiated commitments with Secondary Market Investors.

•Improved customer service by directly communicating with Buyers, Sellers, Realtors or Brokers as needed resulting in “problem loans” closing and funding

•Increased company revenues by over 30%

•Restructured loans denied in initial underwriting resulting in increased closings

•Obtained passing status on all State and Lender required audits

•Supervised Warehouse Lines through direct communication and reporting of loan status resulting in increasing the Warehouse line from $5,000,000 to over $25,000,000.

•Underwrote, presented to warehouse committee and closed first $2,000,000 residential loan granted by Georgia Bank

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