Manager Quality Control

Cynthia Wilcox

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

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PROFILE

** **** ***** ** *** Mortgage Industry. Experienced in Retail, Wholesale Foreclosure/Bankruptcy - Loss

Mitigation. Familiar with MS Word, Excel, Encompass & several Mortgage programs. Exposure includes, but not

limited to FNMA/FHLMC, VA, and FHA Investors. Also proficient with DU/LP automated underwriting systems.

Self motivator, team player, dependable, multitasked, with excellent verbal/written communication skills, and

strong analytical problem solving abilities.

PROFESSIONAL EXPERIENCE

MRN3 Cubed – Dallas, Texas September 2011 to present

Remote Contract Underwriter (Dual Screens)

• Perform income, credit and property analysis on Conforming, Jumbo, Harp, conventional loan files, set

and review conditions to render sound credit decision.

Suntrust Mortgage – Charlotte, NC Jan 2011 – April 2011

Contract Senior Underwriter

• Underwrote Conventional wholesale mortgage loans, using FNMA/FHLMC guidelines,

• With signing authority of $650.000.

Masters Mortgage Processing, Inc. - Jacksonville, FL November 2005 – April 2010

Senior Underwriter

• Underwrote Conventional/FHA residential mortgage loans in PMB/NCO environment, to determine credit

worthiness, manually as well as LP, and DU, with signing authority of $1M plus.

• Perform Due Diligence/Post Closing Reviews.

• Assisted in the Management day to day activities.

Lydian Data Services/CSFB - Boca Raton, FL June 2005 – November 2005

Contract Senior Underwriter

• Underwrote Subprime, Conforming, FHA 1st and 2nd Residential Mtg. Loans.

• Transaction types included but not limited to 1031 Exchanges, Co-op, etc., signing authority $650,000.

• Communicated loan decisions with Brokers and Staff Account Executives.

Clayton Group - Shelton, CT September 2003 – April 2005

Underwriter (Contract)

• Perform Due Diligence regarding Legal, Credit, and Compliance documentation on Conforming and Non-

conforming Conventional and FHA, residential mortgage portfolios.

• Obtain investor data points through legal review of necessary mortgage docs.

• Underwrote loans to ensure conformance to investor loan programs, verified that the loans were in

compliance to Regulation X and Z, and performed calculations to determine if loan were classified as

section 32.

Homebanc - Atlanta, GA January 2003 – September 2003

Underwriter (Contract)

• Underwrote Conventional and FHA loan files to determine credit risks, accuracy of compliance to

company and investor guidelines.

• Provided administrative support to loan processing and closing departments.

• Communicated loan decisions to appropriate parties both orally and written.

Aurora Loan Servicing - Aurora, CO April 2002 – January 2003

Purchasing Underwriter

Superior Mortgage - Jacksonville, FL June 2001 – March 2002

Senior Underwriter

Litton Loan Servicing - Los Angeles, California December 2000 – June 2001

Due Diligence Underwriter

Bank of America - Jacksonville, FL January 2000 – December 2000

Due Diligence (Foreclosure and Bankruptcy)

California Federal Savings

& Loan Association - Los Angeles, CA March 1989 – January 2000

Senior Underwriter/Supervisor Quality Control/Training Office

Blue Chip Mortgage Investment Corporation - Inglewood, CA November 1985 – March 1989

Branch Manager, AVP

Countrywide Funding Corporation - Los Angeles, CA July 1983 – November 1985

Branch Manager, AVP

Glendale Federal Savings

& Loan Association - Pasadena, CA July 1982 – June 1983

Consumer Loan Processor

Citicorp Homeowners Incorporation - Miami, FL December 1980 – May 1982

Loan Processor/Secretary

First Federal of Miami - Coral Gables, FL August 1977 – August 1980

Loan Processor

EDUCATION

Los Angeles Southwest College

AA - Real Estate Finance/Business

Mortgage Banking Association

Analyzing Tax Returns 1 & 2

Underwriting Self Employed Borrower

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