OBJECTIVE

I am seeking a career with a solid, well respected organization that will

utilize my skills, talents, strong work ethic, and work history in a

permanent full-time position. This position would enable me to use my

strong customer service skills, and my knowledge and training within

banking/mortgage and mortgage underwriting industry.

WORK EXPERIENCE

July 2010-present

Bank of America Home Loans

Sr. Mortgage Underwriter

Hired to become a level 3 conventional mortgage loan underwriter, with

expectations of continuing and be nominated to become an FHA/VA

underwriter, and reactivate my DE underwriting designation.

Review and underwrite conventional and VA mortgage loan files, to include

both manually underwritten files and automated approved files.

Interpret credit policy guidelines and procedures and apply them to

specific loan files to perfect them for marketability.

The issuing of approvals and declinations of submitted mortgage files in a

timely manner, following Bank of America policies and procedures.

Obtained SASE Conventional Level 3 underwriting authority and VA level 1

within timeframe given. I am now working towards obtaining FHA underwriting

authority. Once this is complete I will take necessary steps to re-

activate my DE authority.

Sept. 2009-July 2010

Savannah College of Art and Design

Assistant Director of Student Financial Advising

The assistant director of student financial advising reports to the

associate director of financial aid and is responsible for advising and

assisting prospective and current students and their families with all

aspects of financing their education. The assistant director leads a team

of advisors, serving as the main contact for students to resolve financial

aid or billing process questions. Use strong understanding of Title IV

guidelines and regulations to ensure compliance.

Taylor Bean and Whitaker Mortgage Corporation

2008- 2009

Underwriter

Review and underwrite at every level of Conventional, and Non-conforming

mortgage loans, to include both manually underwritten files and automated

approved files.

Interpret credit policy and procedure guidelines and apply them to specific

loan files to perfect for sale on secondary market, adhering to agency,

Fannie Mae and Freddie Mac guidelines.

Effectively and quickly communicate any areas of concern with a loan file

to Banks, Brokers, Account Executives and Internal TBW staff.

Issue approvals and declinations after first searching all avenues via

multiple programs to determine the best program fit for the applicant.

Maintain a goal for underwriting a designated number of loans per day goal

depending upon workflow and areas needing additional help.

2005 to 2008

Darby Bank & Trust Co.

Vice President for Mortgage Lending

On a daily basis fully supervise, train, and counsel mortgage

department loan officers/staff, consisting of four mortgage loan

officers, one mortgage loan processor/closer and one construction

mortgage lender. Daily preparation of the mortgage department

reports, ledgers, and statistics for review by the City Bank

President. Having complete and thorough knowledge of Agency, FHA,

Fannie Mae, Freddie Mac, Jumbo, and other investor mortgage product

guidelines, requirements, practices and procedures with an ability to

train, educate and advise staff and customers of products available to

fit their specific needs and perimeters.

Maintained and continued as a delegated Underwriter for Taylor Bean

and Whitaker.

1998-2005

Taylor Bean and Whitaker Mortgage Corp. (DBA Accumortgage / Walsh&

Assoc.)

Underwriter/DE underwriter/Vice President for Production

Underwrite all automated approve files within Accumortgage; underwrite

conforming, certain FHA files, non conforming files to include jumbo

and manually underwritten files. Maintain current knowledge of

Agency, Fannie Mae and Freddie Mac, FHA, and VA guidelines. Review

credit history and credit scoring entering information into "Mortgage

Ware" and gain approval based on information input, utilizing DU, LP,

and RFC (Desktop, Underwriting, Loan Prospector, and Residential

Funding Corporation). (Obtained DE designation)

Possess strong verbal and written communication skills responsible for

acquiring a book of business from realtors, builders, developers and

personal referrals. Coordinate loan closings from origination to

final funding of the transaction, including processing, shipping,

administrative functions and closing.

1997-1998 Flagstar Bank

Account Executive, Wholesale Lending

As an account executive my primary responsibility was to solicit new

accounts from mortgage brokers, mortgage bankers, and other financial

institutions, to acquire conventional, jumbo, and government

residential mortgage loans. While using refined sales and public

relations techniques maintained existing account base while obtaining

new residential mortgage accounts. Maintain thorough knowledge of

underwriting guidelines, procedures and practices, to best advice the

retail client base.

Further my duties included being available for questions or concerns

with relation to not only the entire mortgage approval process from

acquiring the loan package through the process to closing, and funding

with complete and accurate information to guide them, but to be

knowledgeable of all policies, guidelines and procedures from Flagstar

Bank, Fannie Mae, and Freddie Mac guidelines as well as FHA and VA

procedures.

Independent Mortgage Brokers

1992-1997

Loan Originator

Responsibilities included the origination of home mortgage loan

applications. To be aware of current programs available and advise

purchasers of the programs that would be most beneficial given their

personal parameters (i.e., down payment, credit scoring, income, etc.)

Monitor the loan process from application through approval and final

closing and funding of the loan.

1990 - 1992 Harper and Company Realtors (full time)

Part time from 1978-1990

Licensed Realtor (Northern Virginia)

. Consistently ranked and rated as "Top Producer"

. Member of the Northern Virginia Board of Realtors

. Member of the "Million Dollar Sales Club"

1976-1990 - Library of Congress

U. S. Copyright Office - Washington D.C.

Public Information Specialist

I held progressively responsible positions with the U.S. Copyright Office

for a total of 14 years. Started in the Mail-Room and working within the

Examining Division, and finally in the Public Information Office, to gain

upper level career status.

Licenses and affiliations

Affiliate Member Savannah Board of Realtors (previously)

Licensed Realtor (State of Virginia-inactive)

National Association of Realtors (previously)

Savannah Home Builders Association (previously)

National Association of Mortgage Brokers (previously)

RESPA continuing education course

Code of ethics and Best Lending Practices

Member Downtown Savannah Business Association

Member Georgia Association Financial Aid Administrators

Mortgage Loan Underwriting

DU/LP

Calyx/Point

Mortgage ware

Excel

Sales and Marketing

Administrative Management

Bell South- Telephone Etiquette and Telephone Techniques

Microsoft Word

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