MARIE MINUTILLO
ALPHARETTA, GA 30005
HOME PHONE: 770-***-****
EMAIL: **************@*****.***
PROFESSIONAL OBJECTIVE:
A position in a professional organization that enables me to utilize my proven skills and provides the
potential for increased responsibilities & growth, and to make use of systematic communication and
language skills in a financial or funding institution.
QUALIFICATIONS SUMMARY:
•Twenty years of mortgage experience ranging from Manual Underwriter for FNMA/FHLMC to
Compliance Administrator, Quality Assurance, and Auditor.
•Proven track record of accurately completing research, reporting information to management, and
marketing support activities written demanding time frames.
•Adopt all developing and maintaining administrative processes that reduce redundancy, improve
accuracy and efficiency, and achieve organizational objectives.
•Highly focused, and results-oriented in a supporting complex, deadline driven operations: able to
identify goals and priorities and resolve issues in initial stages.
•Knowledge of Microsoft Office Suite (Word, Excel, and Outlook) and Windows, typing speed of 50
wpm with complete accuracy. Expect knowledge of DU/LP, E-Magic, and Clues.
•Approachable with the demonstrated ability to train, coach and mentor.
•Ability to achieve to the schedule demands of a dynamic, business environment often requiring schedule
flexibility in a 7-days workweek.
•Integrity and the ability to handle sensitive information and maintain confidentially
•Demonstrated understanding of relationships created by diverse customer and employee groups.
•Proactively anticipates situations, develops proposals, and positive solutions.
•A group performer with good administration, education, instruction, and communication skills, which
are essential to endorse services or concepts.
•Sound knowledge of the secondary mortgage industry especially companies like FNMA/FHLMC.
•Maintain a sound knowledge of secondary market activity, practices, and business industry practices as
they impact underwriting quality and origination activity
PROFESSIONAL EXPERIENCE:
DISYS (Digital Intelligence System Corporation)/Bank of America 01/2011 – 03/2011
Underwriter Level II/Contractor Underwriter
Underwrite loans to conforming and non-conforming products according to FNMA/FHLMC and Bank of
America Guidelines. Position involved extension product knowledge and interaction with borrowers and
loan officers. Evaluates loan risk by verifying loan application information, verifying application
information against loan criteria guidelines and standards. Clarifies risk by requesting additional
information. Rejects loan by identifying and documenting deficiencies: reports finding to the loan officer.
Ranks risk by estimating degree of risk. Provide loan control information by collecting analyzing
summarizing data and trends. Accomplish organizational mission by completing related results as needed.
• Evaluated the subject property in additional to the financial strength and credit worthiness of the
borrower(s), per FNMA/FHLMC and Bank of America guidelines.
• Examined and recommended approval of customer applications for Residential Loans, A Paper, TX
Cash-Out and HELOC products using automated and manual underwriting.
• Signing authority to Conforming Loan Limits.
• Provide complete underwriting for FNMA/FHLMC. Adhere to all client/lender policies and
procedures, in additional to federal, state and/or municipal laws and regulations.
Crosby Corporation/Freddie Mac 08/2009 – 12/2010
Senior Quality Control Underwriter/Contract Underwriter
Provided contract-underwriting services for lenders of conforming and non-conforming products
according to FNMA/FHLMC, Perform quality control review to insure the loans meet Freddie Mac’s
Master Agreement.
• Review closed loans (Foreclosure, NPL, EPT and Performing Loans), for deficiencies and
eligibility with respects to Freddie Mac’s Seller’s Master Agreements; Fannie Mae/Freddie Mac’s
selling Guide, LP, DU, and Investors AUS Systems.
• Perform risk analysis and make decision regarding deficiencies identified during the review
process, which consist of credit/capacity documentation, closing documentation, (HUD’s, Title
Reports) and post closing documentation. .
• Identify transaction components that indicate a potential for fraud and perform sufficient
investigative work.
• Accurately record conclusions in Freddie Mac’s system (Quantum).
• Professionally communicate the results of file review in written format (Repurchase letter), if the
loan did not meet the Seller’s Master Agreement or Freddie Mac’s guidelines.
• Accept a Contract Exception (CE) if additional documentation was obtained to cure a deficiency.
• Record an acceptable loan when the loan meets all requirements.
• Maintain a sound knowledge of historical and current guidelines.
.
AppleOne Employment Services/RR Donnelly 04/2009 - 06/2009
Forensic Underwriter/Contract Underwriter
Provided contract forensic underwriting services of conforming products for FNMA.
• Review closed loans.
•Perform risk analysis and make decision regarding deficiencies identified during the review
process.
•Identify transaction components that indicate a potential for fraud and perform sufficient investigative
work to resolve issues that are identified.
•Accurately record data and review conclusions in Quality Assurance System.
•Professionally communicate the results of file reviews in written format to FNMA
Pro Unlimited Contracting Services/AIG/United Guaranty 11/2007 – 03/2009
Quality Assurance Auditor/Quality Assurance Specialist/Contract Underwriter
Provided contract-underwriting services for lenders of conforming and non-conforming products
according to FNMA/FHLMC, and investor’s guidelines. Audit Bulk Loans and Payment Histories from
Individual Investors for purchase to insure they meet AIG/United Guaranty’s Policy Commitment.
•Strong knowledge of FNMA/FHLMC policies, procedures, and guidelines.
•Evaluated the subject property in addition to the financial strength and credit worthiness of the
borrower(s), per FNMA/FHLMC guidelines.
•Underwrote Residential loans (1-4Families), A Paper, TX Cash-out, and HELOC products using
automated and manual underwriting. Signing authority of $500,000.
•Served as advisor and answered general underwriting questions for loan processors, and originators.
•Daily interaction with correspondents, brokers and loan officers.
•Review individual loan files, including the most complex, highest risk mortgage insurance and
compliance loans.
•Exercising objective judgment in interpreting and making knowledgeable assessments regarding the risk
associated with the loan and program decisions.
•Review operational policies and procedures, excising objective judgment in interpreting and making
knowledgeable assessments regarding the associated risk.
•Analyze findings and make recommendations to the Director – Quality Assurance via comprehensive
report after a complete review is conducted.
•Communicate results of findings to appropriate DRG Field Management.
•Develop and build relationships with Field Management.
•Collaborate with the Field Training Specialists with respect to the most effective means of
implementation of recommendations.
•Adhere to DRG expectations of quality, service and productivity. In-dept review of mortgage loans in
default, foreclosure, or REO status with a focus on the quality and validity of underwriting at
origination with regard to buy-back/put-back possibilities.
AMERICAN HOME MORTGAGE 03/2004 – 08/03/2007
Home Gate Liaison
Oversee the Appraisal Dept. for the following regions: South, Inter-mountain and West Coast, insuring all
meet American Home Mortgage Servicing Level Agreement.
•Organize weekly conference calls with the branches to update all on new policies/procedures.
•Review appraisal, rebuttal, and track orders and help to determine if value is supported and if not, I
advised all of what is required.
•Monitor time frame on rebuttals with weekly reports, submitted to management.
•Travel to the branches for training especially the branches having issues with the appraisal process or
appraised values.
•Insured loan closes with the correct appraisal documentation and value.
Staff Underwriter
Underwrite loans to conforming and non-conforming products according to FNMA/FHLMC and
investors guidelines. Position involved extensive product knowledge and interaction with borrowers,
mortgage brokers. Evaluates loan risk by verifying loan application information, verifying application
information against loan criteria guidelines and standards. Clarifies risk by requesting additional
information. Rejects loans by identifying and documenting deficiencies; report findings to the loan
officer. Ranks risk by estimating degree of risk; noting any additional. Provides loan control information
by collecting, analyzing, and summarizing data and trends. Accomplishes organization mission by
completing related results as needed.
•Evaluated the subject property in addition to the financial strength and credit worthiness of the
borrower(s), per FNMA/FHLMC guidelines.
•Examined, and recommended approval of customer applications for jumbo loans. Underwrote
Residential loans, A Paper, TX Cash-out and HELOC products using automated and manual
underwriting.
•Signing authority to $1,000,000.
•Served as advisor and answered general underwriting questions for loan processors, and originators.
•Daily interaction with correspondents, brokers and loan officers, including handling scenario questions,
loan status, loan alternatives, product knowledge and approval notifications.
•Approved mortgage loans for over 50 correspondents during the peak mortgage period and helping over
1000 families get into new homes or refinance their present mortgage to reduce their mortgage
payment.
•Ensure Secondary Market and Investor salability.
•Provide complete underwriting for FNMA/FHLMC. Adhere to all client/lender policies and procedures,
in additional to federal, state and/or municipal laws and regulations.
NORTHPORT MORTGAGE 11/2003 – 03/2004
Staff Underwriter
Provided contract-underwriting services for lenders (manual and automatic underwriting) of conforming
and non-conforming products according to FNMA/FHLMC, and investor’s guidelines.
BETHPAGE FEDERAL CREDIT UNION 8/2003 – 10/2003
Contract Underwriter
Provided contract-underwriting services for lenders (manual and automatic underwriting) of conforming
and non-conforming products according to FNMA/FHLMC, and investor’s guidelines.
JP MORGAN CHASE 01/1998 – 08/2003
Contract Underwriter
Provided contract-underwriting services for lenders (manual and automatic underwriting) of conforming
and non-conforming products according to FNMA/FHLMC, and investor’s guidelines. Traveled to
various mortgage lenders in the region and quickly adapted to the underwriting, mortgage software, and
procedures used at each location.
EDUCATIONAL BACKGROUND.
JOHN ADAMS HIGH SCHOOL
Ozone Park, NY Commercial Diploma 06/1974
REFERENCE:
Toni Tennelle-McKnight – FHLMC – Quality Control Underwriter Team Lead - #770-***-****
Sonya Malloy – Crosby Corp – Vice President - # 301-***-****
Scott Kelly – UG - Director – Quality Assurance Director - #678-***-****
Diane Lautenschiager - UG - Quality Assurance Specialist - # 678-***-****
Keith Johnson – DISYS - Senior Recruiter #214-***-****
Denise Gero – ABC - Regional Ops Manager – Colorado Branch - # 720-***-****
Denise Bond – GE/Genworth Senior Account Manager - # 516-***-****
Colleen Devine – ABC VP Chief Wholesale Credit Manager - # 631-***-****
Joy Cadiz – ABC VP National Wholesale Operations - # 631-***-****