Executive Recruiter / Sales Manager

LISA L. NELSON

**** ******** *****

Snellville, GA 30039

Home: 770-***-**** *******@*****.*** Cell: 404-***-****

SUMMARY

EXPERIENCE

RBC BANK, Tucker, GA 2008 – 2009

Contract to Permanent Credit Risk Manager II

• Underwrote 2nd loans/HELOC and subordinations to RBC guidelines

• Performed Appraisal reviews to determine if value has been inflated

• Performed fraud investigations. Requested 4506 transcripts from IRS to verify income

• Analyzed credit histories and financial statements.

• Audit HELOCS for re-pricing to current rates

• Reviewed closed loans for possible document alterations

• Calculated income to insure debt to income ratios were in line with RBC guidelines

• Built business relationships with RBC Private Banking bankers.

• Underwrote subordinations for RBC Southeastern footprint

• Approved loans/HELOC/subordinations within limited authority

AIG UNITED GUARANTY, Atlanta, GA 2007 – 2008

Contract to Permanent Underwriter/Quality Control Reviewer

• Audit closed loans which are in foreclosure/delinquent status for fraudulent activity

• Review appraisal reports for possible value inflation

• Re-verify income , employment, occupancy, business ownership an assets for verification

• Reviewed documents to verify possible alteration

• Determined if misrepresentation was present and made a decision to rescind or service the loan based on the overall findings

• Underwrote loans to specific product guidelines , by reviewing loan registration, income documents, appraisal reports, credit reports, initial and final 1003, all Reg Z compliance disclosures

• Calculate income and debt after analyzing credit reports, divorce decree for alimony and child support payments to ensure accurate debt to income and housing ratios to ensure guidelines are met

• Order MI and made necessary changes in the AUS

• Ran DU and LP

LISA L. NELSON PAGE TWO

NEW CENTURY MORTGAGE, Atlanta, GA 2004 – 2007

Permanent Underwriter

• Evaluating mortgage application, pipeline management, approving or rejecting residential loans within limited authority.

• Keeping informed of current practices in loan underwriting, Pricing loans accurately and strategically to maximize Secondary marketing income, collecting and analyzing credit report, financial statements and appraisals, working in conjunction with the Account Executives in building broker relationships and issuing commitments.

• Performed fraud investigation

• Facilitate loans through application to close within the Wholesale Division, expedite the status of loan applications from inception to funding.

• Facilitate all levels of communication between Broker, Account Executive and Closers.

ASSET DIRECT MORTGAGE, Marietta, GA 2003 – 2004

Permanent Underwriter

• Underwrote loans to specific investor guidelines

• Calculated income and analyzed income documents for accuracy

• Reviewed and analyzed bank statements, purchase contracts, divorce decrees and child support documents

• Performed fraud investigations and re-verification of employment

• Performed appraisal reviews

• Reviewed initial 1003 and all compliance disclosures for accuracy and completeness

• Reviewed debt to income ratio and housing ratio confirming guidelines were met

RELIABLE HOME INSPECTION, Powder Springs, GA 2000 – 2004

Home Inspector

• Perform visual inspection of properties roof, basement, heating, water heater, air conditioning systems and structures. Prepared written reports and diagrams.

MORTGAGE LENDERS NETWORK, Atlanta, GA 1997 – 2000

Permanent Account Manager

• Submit new loans, Review, organize and input borrowers information, income, appraisals, debts.

• Pull merged credit reports as well as flood certifications, Ensure compliance deadline were met with regards to pre-disclosures, approval letters and denial notices, review loan status with brokers.

• Obtain necessary conditions from brokers and submit prior to docs stipulations to underwriting,

• Provided Brokers with approvals and necessary information, Set up loan closings, Draw loan closing documents, order funds.

LISA L. NELSON PAGE THREE

EDUCATION

Lakewood High School, St. Petersburg, FL

Interior Design, American Intercontinental University, Atlanta GA

Barney Fletcher School of Real Estate and Appraisals, Atlanta, GA

Journalism and Mass Communication, Ashford University, Clinton IA

QUALIFICATIONS

Proficient in the following programs, Uniform, Calyx, Empower, Microsoft Word, Excel,

Loan Central, DU and LP, Loan Center

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