rigination, processing multiple types of loa

Cheryl Putnam-Ramirez

Mortgage professional with 7+ years of end to end experience.

Roanoke, TX

******.*.*******@*****.*** - 682-***-****

● Mastery Level: Evaluation of credit worthiness

● Mastery Level: Risk evaluation of Government, Jumbo and Foreign buyer Mortgage programs

● Mastery Level: Quality control auditing with Fraud/LIO Analytics including Dodd Frank Reform Act and

RESPA compliances

● Expert Level: Process improvement, writing and training with Six Sigma Green Belt competencies

WORK EXPERIENCE

Quality Analyst FHA MI Claims

Retreat Capital Management - June 2012 to May 2013

Responsible for compiling and analyzing required documentation for Bank of America MI claim submissions.

REO/HAFA Short Sale Team - Completed control audits for Bank of America's REO sales. Marketing, Closing

1 and 2 phase audits ensuring compliance with current guidelines and changes in guidelines.

Urgent Response/ NPV Analyst

JPMorgan Chase - July 2011 to June 2012

Performed high level underwriting reviews on escalations for Senior Management. Duties required complete

knowledge of all modification underwrite programs and COGNOS Reporting with OCC and Treasury.

11.1 Directive - income recalculation initiative team lead

Fraud/LIO Analyst - Completed second look reviews for Fraud and Loan integrity departments on an individual

basis confirming or explaining discrepancies found. Compliance confirmation and/or refiguring files to be

compliant to retain integrity and company investment.

Duplicate Borrower Induction - Developed and implemented the procedures for the Duplicate MHA Project.

Trained associated to perform and analyze monthly reports from the OCC regarding multiple MHA modification

completed with more than one lending institution.

HRD HA Modification Underwriter

Bank of America Home Loans - March 2009 to July 2011

Audit - Audited underwritten files for error in income calculation, previous modification, re payment capacity

within the waterfall process, prime residency and hardship compliances.

Audit Rebuttal Team - Conducted daily calls with LOB to discuss and resolve finding discrepancies between

the two groups. Involved with the final decision on files to assure compliancy and the best results for the Bank

and the borrowers.

Centralized Sales - Produced new loan origination and maintained a 1.5 million pipeline of loans in submission

to underwriting.

Specialist Broker Ops Cage

TD Ameritrade - June 2007 to February 2009

Responsible for daily processing and maintenance of the Brokerage Short Report. This included researching

and correcting clients share deficiencies within their accounts. Compliance with FINRA rules and regulations

regarding short positions including suppression of trading authority for noncompliance.

Independent Underwriter

Imperial Mortgage - April 2004 to May 2007

Underwrote Government FHA and VA, USDA, and jumbo retail loans, purchase and refinance. Submitted

loans to lenders for two brokers with a monthly average of completeing the processing and underwriting of 8

to 10 loan loans per month with a 98% funding rate.

SKILLS

Other Related Skills

ADDITIONAL INFORMATION

Quality Control Auditor - Retail and MHA Underwriting - Process Improvement - Audit Program Development

- Policy and Procedures - Urgent Response Escalations

● Mastery Level: Evaluation of credit worthiness

● Mastery Level: Risk evaluation of Government, Jumbo and Foreign buyer Mortgage programs

● Mastery Level: Quality control auditing with Fraud/LIO Analytics

● Expert Level: Process improvement, writing and training with Six Sigma Green Belt competencies

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