Human Resources Management

DIANA MCCRAW

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

UNIVERSAL CITY, TEXAS 78148

210-***-**** (CELL)

EMAIL: *********@*****.***

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PROFESSIONAL SUMMARY

. Experienced underwriting professional accomplished in various lending

venues including: Mortgage, Equity Lines of Credit, Personal Loans,

Loss Mitigation, Car Loans and SBA (Small Business Administration)

Loans.

. Strong background in research, analyzing and risk assessment with good

mathematical/accounting skills and attention to detail.

. Over 12 years experience in mortgage banking.

. Knowledgeable in Excel, Microsoft Word, Powerpoint,10-Key, and

Outlook.

EXPERIENCE

WELLS FARGO San Antonio, TX

Home Preservation Specialist (June 2011 - January 2013)

. Inbound and Outbound calls to assist mortgagors in modifying their

loan to help bring loans current or lower rates to help make homes

affordable.

. Retrieve documents needed to perfect the loan for FHA loans

modifications.

. Submit file to underwriter once all documents needed are retrieved.

. Maintain up to 100 files until the modification process is completed.

. Continual communication with mortgagor until the process is completed.

. Collect and process loan payments by phone.

. Monitor foreclosure status of the property to prevent foreclosure sale

while in review

. Communicate loan decision after the underwriter has reviewed the file.

. Communicate liquidation options (Short Sale or Deed in Lieu), if

unable to qualify for modification.

Loss Mitigation Underwriter (June 2009 - June 2011)

. Review FHA loans that are in pre-foreclosure and provide appropriate

assistance, if borrower qualifies, by offering appropriate

modification product, which also includes HAMP review.

. Ensure all loans are reviewed same day in high production

environment.

. Contact borrowers regarding decisions and educate them on future

options if available.

. Review income documentation to ensure borrower's can afford mortgage

payment going forward.

. Review property reports, credit and FHA guidelines to ensure

compliance on all decisions.

. Pull CAIVRS for each loan.

. Order property reports through Webtrack and order fees and costs

through Vendorscape.

WORLD SAVINGS MORTAGE/WACHOVIA MORTAGE San Antonio, TX

Mortgage Underwriter (Oct 2001 - Sept 2008)

. Responsible for making sound decisions.

. Knowledgeable in company loan program, conventional loans, specialized

Community Loan Programs and equity lines of credit as well as equity

line increases.

. Ensure all guidelines and requirements have been met for each specific

loan type.

. Consistently remain updated on current policies, procedures and

guidelines.

. Ensure all appropriate conditions are entered and met.

. Recognized potential risk/legal issues and/or situations that may

require immediate attention or special handling.

. Managed heavy workload and multi-tasked to meet performance goals

around productivity, volume and quality.

. Perform analysis of loan requests which included review and research

of current credit/assets/financials/ratios/state specific guidelines

and market.

. Prioritized tasks to clear conditions efficiently and close loans by

estimated closing dates.

. Clearly and concisely communicated status and loan decisions to

borrower and mortgage consultants from the receipt of application

through underwriting and closing.

. Developed creative solutions to restructure declined submissions into

approvable loans including, counteroffers.

. Reviewed preliminary title reports, appraisals, income documentation

(including self employed) and other documentation as needed for each

loan.

NORWEST BANK/WELLS FARGO BANK Austin, TX: Moved with department to San

Antonio, TX

SBA disbursement Specialist/Loan Processor (05/00-10/01)

. Responsible for reviewing, preparing and maintaining loan

disbursement files.

. Analyzed loan documentation to ensure accuracy.

. Monitor loan draw requests.

. Ensure all guidelines according to SBA were met prior to disbursing

funds.

. Knowledgeable of various collateral items submitted for collateral

required for each loan (mortgages, cars, boats, etc.)

. Responsible for preparing loan documents, package and close local SBA

loans.

. Excellent written and verbal communication with internal and external

customers.

Loan Documentation Specialist II (07/1997-05/00

. Prepare SBA loan documentation necessary for the collateral submitted

for each loan.

. Review loan packages for accuracy and completeness before closing.

. Close SBA loans when necessary.

EDUCATION

San Antonio Community College - Human Resources-Fall 1999; Received HR

certificate 05/00

Desktop Publishing

Business Writing

Excel and

Powerpoint

Hardin Simmons University- Principles of Accounting I

Austin Community College- Principles of Accounting II

Vocational Business School- Typing and 10 Key

CLASSES

. Face to Face Communication

. Word for Window and Excel

. Managing Change

. Bank Secrecy Act

. Elderly Abuse

. Coaching and Counseling/Management

. Performance Management

. Resolving Conflict

. Concept of Management

. Real Estate Documents & Compliance

. World Savings University for Mortgage Underwriting

.

Contact this candidate