Customer Service Manager

NANCY HALEY *** Monmouth Parkway

Middletown, NJ *7748

Cell: 908-***-****

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

Experience

MTG NOW, Red Bank, NJ

Sr. UW, DE and VA certified

October 2, 2007-Present

Underwrite of all conforming and non-conforming loan products for

various investors, Such as GMAC, Countrywide, Flagstar Bank, TBW,

also all underwriting of FHA loans both Manual and those scored

with FHA scorecard as well as VA loans. Maintain good level of

customer service with branches as well as borrowers, loan officers,

closing dept and post closing. Assist where needed with other

duties. Responsible for a team of four underwriters and one

assistant to ensure monthly goals for the company are met. Assist

post closing as needed.

PRO UNLIMITED -UGIC MORTGAGE UNDERWRITER

August 13, 2007 - September 2007

Contract UW assigned to UW all conforming files to UGIC guidelines.

Ensure good quality loans and work with assigned lender to uphold

good customer service relations.

EASTERN AMERICAN MORTGAGE Underwriter Little Falls, NJ

January 2007 -Present

Underwriter in charge of UW all Alt A, Conforming, Non-Conforming

Loan Products, FHA (DE UW, all Wholesale loan products assist where

needed with closing dept, post-closing dept. Assist Loan Officers

with structuring loans and assisting Operations Manager in

expediting loans to close.

APPROVED FUNDING Underwriter River Edge, NJ

May 2006-January 2007

Responsible for the underwriting of loans for all retail branches

and Wholesale loans. Liaison between processors and ops center.

Underwriting of FHA files as well. Travel to all branches to

support and train staff on products and services. Underwriting of

all Wholesale Loans for all Alt A lenders, Conforming and

Non-Conforming Products.

OPTEUM FINANCIAL

August 2004 - March SENIOR UNDERWRITER PARAMUS, NJ

2006

Senior Underwriter responsible for the underwriting of all

National Builder accts. and Construction loans. Also responsible

for the underwriting of loans for all retail branches. Liaison

between processors and ops center. Underwriting of FHA files as

well. Travel to all branches to support and train staff on

products and services.

ALLIANCE BANKCORP

April 2003 - August SR.UW/OPS MGR FORT LEE, NJ

2004

Duties include but not limited to the underwriting of all

Conforming and Non-conforming loans. Manage pipeline for net

branch. Supervision of a staff of six which includes training and

ensuring loans close in a timely fashion. Act as liaison between

corporate office and Investors. Also responsible for Quality

Control of all files. \

WEICHERT FINANCIAL

May 2003 - April SALES -GOLD SERVICE FORT LEE, NJ

2004 MANAGER/UNDERWRITER

Gold Service Manager in charge of all sales for high volume fast

paced office in the Fort Lee and Morris Plains area. Responsible

for training of staff...Credit Approval Guarantees for clients,

homebuyer training seminars for staff and clients. Cross selling

of all financial services and products. Knowledge of all

conforming and non-conforming and sub-prime products. Also

supervise a staff of two GSM's to ensure timeliness of loan

submissions and training of all products and services. Also

contract UW assigned to Operations Center underwriting of all

conforming loan products a several Alt A products.

FIRST HORIZON HOME LOAN /FHHLCM

July 1997 - May 2003 MORTGAGE BEDFORD, NH

UNDERWRITER/ACCT

EXECUTIVE

Responsible for underwriting and handling all major accts.

assisting branch manager in maintaining of all accts for our

Wholesale Division. Assisted in training of all staff and mortgage

brokers in all products offered by First Horizon. Conducted

homebuyer's seminars for clients and the community. Also wholesale

Acct executive assigned to cover RI, CT and NY and Northern NJ

territory. Responsible for obtaining new clients and training of

all new brokers. Knowledge of FHA, VA, FNMA, FHLMC, RFC, DU, LP,

Asset wise automated systems, handling of training for clients and

staff for use of automated systems. Also trained and supervised a

staff consisting of one Jr. underwriter and two additional

contract underwriters to ensure that all deadlines and commitments

were met. Worked with builders and handled all construction

lending products.

SOMERSET SAVINGS BANK /US TRUST

November 1993 - AVP UNDERWRITER/SECONDARY SOMERVILLE, MA

July 1997 MKTING

AVP in charge of all underwriting of conforming and non-conforming

products, head of secondary marketing in charge of shipping and

delivery. Investor liaison for Mass Housing, City of Cambridge,

Boston, Arlington affordable housing programs, Trained staff on

all products and services, Responsible for maintaining of $500

million pipeline. Developed loan servicing dept and trained staff.

Worked closely with Commercial Loan dept and HELOC, Small business

depts. to develop new business. Worked closely with Banks

Compliance dept to ensure loans meet state and federal

requirements. Also supervised a staff of two processors, one jr.

underwriter and two senior underwriters, as well as supervision of

two loan originators and a team of loan services.

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