Sales Management

JANE HARFORD

**** ********* *****

Laurel, MD ***24

443-***-****(cell)

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

Financial Management Profile: Strategic Financial Analysis-Banking Program

Management-Mortgage Lending

Highly motivated professional with 29 years of progressive mortgage lending

& financial management experience. Solid track record of performance in

consulting, sales, credit analysis ensuring accuracy & efficiency. Strong

ability to develop/maintain broker relationships, client services and

administrative management. Resourceful problem

solver with proven ability to structure and implement effective solutions.

FHA DE UW-23 YRS BACKGROUND/VA LAPP UW-10 YRS BACKGROUND

Professional Experience:

Sr. Underwriter 12/10-

Present

New America Financial Corporation

. Review & generate decisions for all mortgage loans.

. Analyze Credit, property, title, & all other aspects of the mortgage

loan process.

Sr. Underwriter 3/2010-

11/2010

Suntrust Mortgage

Annandale, VA

. Review & generate decisions for all mortgage loans.

. Analyze all areas of mortgage applications to ensure that it is in

compliance with lender/agency guidelines.

Sr. FHA Underwriter (Wholesale) 4/2009-

1/2010

U. S. Mortgage Finance Corp Fairfax VA

. Review & generate decisions for FHA loans originated by broker

clients.

. Analyze all areas of mortgage application to ensure that it is in

compliance with investor/agency guidelines.

. Run/interpret AUS findings to ensure that FHA/investor regulations

have been met.

. Ensure compliance with industry standards for loan sale ability.

. Interact with brokers, staff, account executives via detailed written

& oral feedback on loan status, compliance & conditions.

Sr. Mortgage UW (Wholesale & Retail)

8/2008-4-2009

Olympiawest Mortgage Group LLC

Tysons Corner, VA

. Review & generate decisions for all mortgage loans-FHA/VA/Conv.

. Run AUS findings to ensure that investor/agency regulations have been

met.

. Completed HUD Test cases to obtain HUD Full Eagle status.

Sr. FHA UW (Retail/wholesale)

10/2007-7/2008

Community First Bank

Reisterstown, MD

. Review & decision mortgage loans.

. Obtained company's HUD Full Eagle status in 45 days.

. Mentored staff uw's who did not have their FHA DE UW designation.

Sr. Mortgage UW (Retail) 2/2006-

10/2007

Capital Mortgage Finance Corporation

Columbia, MD

. Review of all mortgage application types. Mentored staff uw's to get

their VA Credit/LAPP designations.

. Credit limit to $650,000.

Sr. Mortgage UW (Retail) 11/2005-

2/2006

Washington Mutual Mortgage Largo,

MD

. Managed review of credit/appraisal for all mortgage types within large

portfolio lender's numerous innovative ARM programs.

. Credit limit to $450,000.

Technology Sales Trainer/Product Trainer

2004-2005

Fannie Mae Herndon, VA

. Trained new brokers on Fannie Mae's products/svc via webinars.

. Managed 650 inactive lenders on DO/DU services.

. Created/managed internal training for broker inside sales

staff.

Senior Contract UW

2004-2006

Capitalbanc Mortgage

Burtonsville, MD

. Reviewed/decisioned on all types of loan

Columbia National

2001-2004

Columbia, MD

. Reviewed/decisioned on all types of loan programs-HUD/VA/Conv.

. Awarded UW of the year-2002

Prior tenures as underwriter-First Nationwide Mortgage, CTX Mortgage and

Atlantic Residential Mortgage. Prior management experience-Retail Branch

Mgr-Countrywide Home Loans, Taneytown Bank and CTX Mortgage.

Education/Credentials:

B. S. Journalism, University of MD, College Park, MD

FHA DE since 8/87 & VA Lapp since 6/01

Professional Development:

Leadership Howard County-1999

Volunteer Affiliations:

Howard County Domestic Violence Center-1997-2003

(Help line volunteer & Board of Directors)

Fidos For Freedom-2006-present

(Treasurer, Board of Directors, Puppy Fundraising Mgr, Prison Trainer)

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