Quality Control Assurance
Resume:
Tomeka Lynch
Charlotte, NC ****5
********@*****.***
PROFILE:
A knowledgeable efficient and energetic individual with well-written and
oral communication skills. The ability to balance between creativity and
analytical skills along with multi-tasking in a fast-paced environment.
Utilizing interpersonal skills when relating to other individuals; highly
persuasive personality which results in positive outcomes. Obtained
specialized training in Advance Loan Origination Certification and
Underwriting Certification.
Education:
2009-2013 Strayer University
Charlotte, NC
B.A. in Business Management with a concentration in Finance
Professional Experience:
Quality Control Underwriter 5/2010-present
Indecomm, Charlotte, NC
. Performs risk analysis and made decisions regarding deficiencies
identified during the review process
. Conducted a review of files from a correspondent or broker channel of
business to validate loans for investor requirements and quality.
. Made recommendations for purchase of closed applications once full
review is completed for USDA, FHA, VA, Conventional, Texas Home Equity
etc...
Sr. Underwriter 4/2010-3/2011
Zenta, Charlotte,NC
. Responsible for reviewing, analyzing and approving mortgage loans with
a signing authority of $1mm for Conventional/Commercial/FHA/USDA
. Examined and reviewed clients/customers that were/were not eligible
for loan modification by analyzing financials and hardship letters to
determine most effective Loss Mitigation alternative such as repayment
plans, forbearance plans, loan modifications, pre-foreclosure short
sales, deed-in lieu of foreclosure and FHA/HUD partial claims.
Quality Control Underwriter 3/2009-
4/2010
Zenta, Charlotte NC
. Performs quality assurance for pre-purchase loans for any given
mortgage lender.
. Makes recommendations for purchase of closed applications once full
review is completed. Review all retail/commercial loans for approval
with a $1MM signing authority.
Sr. Underwriter 4/2005-
3/2009
Equifirst Corporation, Charlotte, NC
. Provide daily assistance to a team of outside Sales Account
Executives, assisting with new loan submissions, verifying income,
assets and clearing conditions and final preparation for file closing.
. Review credit files commercial/residential with authority levels
from $250,000- $2MM.
. Approved /Denied loans for mortgage brokers in over 30 + states
utilizing LP/DU systems including Conventional and FHA loans for HUD
approval and manual UW
. Followed up on all repurchase issues until loans are sold and handled
loan mods for early payment defaults if needed
Underwriting Manager 3/2003-3/3005
Alpha Mortgage, Wilmington, NC
. Reviewed for approval on FHA/VA(prime, commercial files) operating
under LP/DU,CLOUT and manual underwrites. Authority of $350,000-
$2.5MM.
. Responsible for the training and development of 10 underwriters and
training for authorization to clear conditions for 5 processors for
commercial and residential loans.
. Managed Credit/Risk to include Loan Review, Credit, Credit Analysis,
Collections.
. Assisted with modifications and all post closing issues
Underwriting Manager 9/1998-2/2003
Everest Mortgage, Winston Salem, NC
. Responsible for all processing and underwriting training for a staff
of 20
. Transitioned company into Correspondent Lending, requiring knowledge
of company underwriting guidelines and procedures for upcoming FHA
approval
. Handled hiring and training for newcomers along with exit interviews
Licenses, Certificates, and Memberships:
Obtained DE training certification (in need of sponsorship)
Financial Advisor Volunteer for Habitat for Humanity
Technical Knowledge:
Software: Microsoft Office, Desktop Publishing, Access, Empower, LPM
Other Knowledge: Case Study Development, Project Management; Spreadsheets,
Verify Data Checking, PowerPoint, Data Entry, 10-Key, LP/DU, Fraud Guard,
Lexis Nexis, AVM, Zillow.com, History Pro
Professional Leadership/Development Courses:
Courses taken for self- empowerment, customer management and for Leadership
qualities.
Bank Statement Misrepresentation, Effective Management: Communicating
Successfully, Teamwork and Results without Authority, Management by
Strengthens, FHA Training Courses, Core Credit Training
Contact this candidate