*** ********** ******, ****** **** NJ *****•856-***-****

•jwu9ld@r.postjobfree.com

Megan L. Winsett

Experience

**/** ** ******* ** Mortgage Bankers Inc Voorhees, NJ

Vice President/Mortgage Operations

Responsible for the implementation and enforcement of the corporate business plan, underwriting, processing, closing, post closing and quality control policies and staff.

11/03 -05/06 Chapel Mortgage Corporation Rancocas, NJ

Underwriting, Closing and Quality Assurance Manager

Responsible for accurately reviewing mortgage loan applications, credit reports, income documents, appraisals, assess the risk of the applicant and make approval decisions based on FNMA, FHLMC, Countrywide, GMAC, Conforming, Subprime and Alt-A guidelines through various automated underwriting systems (DU, LP, CLOUT/CLUES)

Utilize various fraud prevention tools to insure quality of mortgage loan applications

Insure that all mortgage loans are in compliance with RESPA

Manage the daily work flow for the underwriting and closing departments

Liaison between Chapel Mortgage and investors for underwriting exceptions

Direct contact with investors regarding underwriting and post closing issues

Performed Quality Control underwriting and closing audits of closed loans

Prepared reports for Vice President of Quality Control and Investors

10/01 - 11/03 GE Mortgage Insurance Rancocas, NJ

Contract Underwriter (onsite at Chapel Mortgage)

Responsible for accurately reviewing mortgage loan applications, credit reports, income documents, appraisals, assess risk of the applicant and make approval decisions based on FNMA, FHLMC guidelines through GE’s AUCentral automated underwriting system

Achieved an excellent audit rating for quality with GE

01/93 – 10/01 Chapel Mortgage Corporation Rancocas, NJ

Underwriter (10/98-10/01)

Responsible for accurately reviewing mortgage loan applications, credit reports, income documents, appraisals, assess risk of the applicant and make approval decisions based on FNMA, FHLMC guidelines manually

Involved in the launch and training staff of technology for underwriting through DU and LP and internal corporate data management system Datatrac and Calyx Point

Reported directly to senior management on quality of underwriting and work flow

Marketing (8/95 – 10/98)

Responsible for coordinating corporate representation at industry tradeshows

Assisted in the development and disbursement of marketing materials

01/93 – 8/95 American Homestead Mortgage Corporation/Chapel Mortgage Corporation Rancocas, NJ

Servicing

Daily interaction with reverse mortgage customers

Responsible for disbursement of monthly advances, taxes and insurance for reverse mortgage accounts

Responsible for requesting and receiving wires from investors for the monthly advances

Assisted CFO with reconciling incoming wires to disbursements

Education

09/88 – 06/90

09/90 – 6/92 DeKalb College

Georgia State University Dunwoody, GA

Atlanta, GA

References

References are available on request.

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