Manager Service
Resume:
DIANE HOWARD
Loving
San Antonio, TX
78255
CAREER OBJECTIVE
Seeking a challenging and rewarding position where my education,
work experience and skills are effectively utilized and afford me the
opportunity to contribute to the organization and enhance my professional
abilities.
EXPERIENCE
Present - 2012 - ACCENTURE - SAN ANTONIO
MORTGAGE UNDERWRITER
Evaluated income, credit and property analysis on conventional loan files
as well as reviews of all conditions submitted as well as loan
resubmissions. Analyzed challenging loan packages to render sound credit
solutions while maintaining excellent quality and production standards.
Knowledgeable of all government regulations to include Fannie Mae, Freddie
Mac and RESPA. Familiar with automated loan systems to include Desktop
Underwriter, MPM, MOP, Citiworks, Citrix and LPM.
2009-2012: USAA - SAN ANTONIO
QUALITY REVIEW ANALYST /REPURCHASE ANALYST
Complied required documentation to underwrite conventional mortgage loan
files to Fannie Mae and Freddie Mac investor guidelines. Re-underwrote
loan files and conducted a detailed analysis to render credit decisions.
Ensured that the files were complete and in compliance with regulatory
agency guidelines prior to delivery to investor. Identified and
recommended solutions for complex loan defects. Researched repurchase
demands and MI rescission's to formulate arguments in defense of repurchase
claims. Identified and reported defect trends to management. Identified
areas for process or system enhancement.
2006- 2008: WORLD SAVINGS - SAN ANTONIO
UNDERWRITING MANAGER
Trained and mentored over 30 underwriters on a daily basis. Developed 15
training lessons and facilitated 3 classes per month for 30 analysts.
Reported and wrote articles for monthly departmental newsletter.
Organized special events and set up facilities for 3 monthly departmental
events including food service and technical supplies. Responsible for
resolving complex credit issues within tight deadlines. Monitored work
flow distribution to assure service levels were met.
2003- 2006: WORLD SAVINGS - SAN ANTONIO
UNDERWRITER
Evaluated income, credit and property analysis on conventional loans
including community lending programs as well as mortgage insurance loan
files. Completed 70 monthly mortgage loan decisions for loan portfolio.
Calculated risk factors from multiple perspectives. Solved complex
technical issues with related banking systems and applied consumer
compliance procedures. Knowledgeable of the complete mortgage loan
process.
1997-2003: TACO CABANA - SAN ANTONIO
CASH MANAGER
Developed and led treasury operations for a multimillion dollar
corporation. Supervised a staff of 4 that was responsible for setting cash
position and reconciling 150 bank accounts. Prepared weekly and monthly
cash forecasts. Maintained and built relationships with banks as well as
credit card processing companies. Successfully negotiated pricing of
banking services and products and reduced banking fees by 20%. Managed $25
million line of credit with lead cash concentration bank. Reconciled credit
card accounts. Implemented new technological solutions and established an
effective cashflow network which resulted in an effective deterrent for
employee theft as well as a safeguard against robbery.
1985--1997: BUILDERS SQUARE - SAN ANTONIO
FINANCIAL ANALYST
Created cash management software to meet management needs. Served as a
liaison person between the banks and other corporate departments. Analyzed
and monitored day to day cash flow to achieve the most productive use of
corporate funds. Responsible for over 77 corporate bank accounts and
opened accounts as needed.
1982--1985: ARA SERVICES - SAN ANTONIO
SUPERVISOR
Prepared financial reports for a food service facility located in local
universities - San Antonio College, St Mary's University and Trinity
University. Organized and assisted in coordinating catered events for the
universities and assuring clients received proper service.
SKILLS AND PROFICIENCY:
Excel, Microsoft Word, and Access
EDUCATION: BA Degree in Psychology and Sociology
Texas A & M University, Kingsville, Texas
REFERENCES: Available upon request
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