Mary Helms

Sr Mortgage Underwriter - Congressional Bank

Harpers Ferry, WV

adv3lo@r.postjobfree.com

703-***-****

Work Experience

Sr Mortgage Underwriter

Forbright (formerly known as Congressional Bank) - Chevy Chase, MD June 2018 to Present

Tasked with credit and collateral analysis of Conv FNMA/FHLMC, Conforming and Super Conforming loans, and Jumbo's as well as FHA products. Formerly functioned as a "contract vendor", paid "piece work, as volume required, from 6/2018 thru 1/2021 at which time I became a FT employee with the bank. Sr. Mortgage Underwriter

Integrity Home Mortgage - Winchester, VA

February 2020 to January 2021

CoVid 19 created a tremendous surge in volume, maintained/decisioned 60+ units per month. Operational structure req'd UW's to perform industry standard "processor tasks". Utilized fully customized Encompass LOS, DO/DU/LP/FHAC/WebLGY, Mavent

Worked HELP Desk to Production Staff weekly, emphasis on providing LO's with direct and immediate contact with UW.

Due Diligence Underwriter

The Oakleaf Group - Bethesda, MD

May 2018 to June 2018

Short term 90 day contract. Litigation Due diligence for legacy 2007 loans. Establish proper guidelines and practices were adhered to at time of origination. Determine through fraud detection services and public records if misrepresentation occurred by any parties in the transaction. Use of Salesforce Document/ Tracking Software. 4 loans per day required, files sizes @700+ pages to include all after origination documents.

Sr Mortgage Underwriter

1st Mariner Bank - Baltimore, MD

August 2016 to March 2018

Tasked with analyzing income, assets, credit and collateral for Conv Conforming, Super Conforming and Jumbo loan products as well as FHA 203B and 203K and VA loans. At closure of preexisting Appraisal Review Dept, I was chosen to set up a beta program for the operational implementation of inhouse review. Maintained 24hr turn times from remote location.

Operations Manager

CityWorth Mortgage LLC - Fairfax, VA

December 2012 to July 2016

Responsible for all aspects of the Underwriting process for residential mortgage applications. Expected to remain current on all industry standard requirements as well as Regulatory requirements pertaining to Real Estate Finance practices. Utilizing 30 years mortgage experience on FHA/VA FNMA & FHLMC loans to facilitate the timely and accurate review of loan submissions. In addition to Underwriting, participation in Investor delivery and Quality Control responses are provided as "Management Response" and the timely resolution of deficiencies.

Sr Mortgage Underwriter

Capital Bank - Rockville, MD

August 2010 to December 2012

Performed all facets of underwriting for the retail & wholesale business channels for Conv Conforming, Super Conforming and Non-Conforming/Jumbo loans as well as FHA and VA Loans.. Underwrote mortgage loans in conformance with FNMA/FHLMC guidelines and within bank defined parameters. Ensured all files submitted through all business channels were in regulatory compliance. Delegated underwriting authority to $750,000 with industry leaders such as GMAC, BB&T and Wells Fargo. Completed AllRegs and RGU certification programs. Attended AllRegs and advanced FHA/DE training program in preparation of HUD approval.

Quality Assurance Manager

1st Mariner Bank - Baltimore, MD

June 2009 to August 2010

Hired in response to FDIC requirement to establish a presence of Mortgage Compliance under the purview of the bank. Expected to develop and implement policy and procedures for the mortgage division, to assure compliance with all regulatory requirements. Instrumental in establishing industry changes to protocols for RESPA and TILA. As Quality Assurance Manager, developed an internal process of review to be developed into a database to track variance trends on multiple levels to improve overall loan quality, timely investor funding and increase performance efficiencies. Extensive knowledge of all agency guidelines, investor requirements and regulatory requirements are all used in the analysis of Quality Assurance.

Education

High school or equivalent in General

Duval High School - Lanham, MD

September 1976 to June 1979

Skills

• Credit Analysis

• Regulatory Reporting

• Underwriting

• Salesforce

Certifications and Licenses

FHA Direct Endorsement Underwriter

May 2008 to Present

VA - SAR

January 2013 to Present

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