Mortgage Professional/ Manager

Kristen M. MacDonald

Kennesaw, GA *****

770-***-**** cell

***********@*****.***

Experience

DB Publishing

Kennesaw, GA

Freelance Proofreader/Editor

****-*******

I work from home for this publishing firm doing proofreading and editing for books about to be published. An important client is Stamford. Strict attention to detail and being able to maintain tight schedules and deadlines are important to this position.

RMIC, Kennesaw, GA

July 2007 to August 2008

RMIC Office Manager/Underwriter

Here I was part of the operation of RMIC and Amtrust. I started as the work flow coordinator and in a few months I moved up to office manager/lead for entire RMIC/Amtrust underwriting division. I managed 18 underwriters and 3 work flow coordinators. I developed training programs in was very involved in their implementation process. QC and fraud auditing were important tasks of this position.

Black, Mann and Graham, LLP, Flower Mound, TX - Telecommute

February 2001 to October 2006

Mortgage Legal Assistant

For this Texas based law firm I prepared closing and legal documents for the state of Texas but also included nationwide closings. I also reviewed prepared documents by brokers and lenders for validity and legality. Being familiar with State of Texas lending and legal guidelines is very important to this position along with complete knowledge of lender/broker and national closing requirements. I also maintained strong client relationships to solidify new business production. Title review for various states including New York, Florida, Georgia, Tennessee and South Carolina was required of this position.

HSBC Mortgage Corporation, USA, Buffalo, NY

November 1997- June 2000

Operations Team Leader/Underwriter

For this centralized high volume mortgage company I have managed a retail operations team consisting of over 30 people. Fannie Mae DU and Freddie Mac Loan Prospector were systems used in this position. I trained personnel in underwriting and closing for the new MOS (mortgage operations specialist) positions where one person is responsible for a loan file from processing through post closing.  Networking and maintaining relationships with the sales staff were important along with the coaching and mentoring of staff members. I worked in specialized loans and community works lending which included working with grants and subsidies funded by many various organizations throughout New York State and other national banks. I took part in training courses and initiating new procedures with HSBC for CRA loans and grant subsidies.

Loan America, Rockville MD

October 1996 – November 1997

Wholesale Operations Assistant/Underwriter

My duties included going on sales calls with the account executives and participating in telephone originations. Later I worked as the backup underwriter.  I helped develop new operational policies and procedures for the newly introduced B/C lending division of the company.  I partook in many conferences and sales training courses. In this position I had also won an award for originating the most loans in a 3-month period.

Prosperity Mortgage Corp., Rockville, MD

October 1995 – October 1996

Senior Retail Loan Closer

Here my duties included the closing and post closing of all conventional, FHA and VA loans for a retail loan operation consisting of over 25 loan officers.  The monthly closings estimated at over 150 loans per closer.

Empire of America Realty Credit Corp.,, Gaithersburg, MD

November 1993- October 1995

Closing Supervisor

This position had included almost every aspect of the mortgage industry, from the development of a new wholesale lending operation to the shipping of loan files.  After the setup of the branch my duties had included: assistant processing, assistant underwriting, market coordinating, and closing, funding, post closing and shipping.  I over saw the closing and shipping departments and assisted the operations manager on a daily basis.  Writing a complete instructional and training manual for the closing department was an important component of this position.

Beach Fed Mortgage Corp., Fairfax, VA

February 1993 - November1993

Closing and Shipping Supervisor

For this retail loan operation I had restructured the closing and shipping departments to accommodate the volume work originated.  I devised the policies and procedures for: closing, post closing, insuring, guaranteeing, and shipping of all conventional and government loans.  Complete knowledge of FHA/VA rules and regulations and assisting the processors when necessary were both an important part of this position. 

EDUCATION

22+ Years Experience

Completed numerous mortgage, management, fraud, closing/post closing and underwriting courses by various lending institutions including; FNMA, FHLC, FHA/VA, MBA, RMIC and GE

Manual Underwriting experience on FNMA/FHLC

Completed Business Law, English and Art courses at Burlington County College, Pemberton, New Jersey and Montgomery County College, Rockville, Maryland

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