Manager Sales

Catherine Peddicord

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

P O Box 1413, Frisco, TX 75034

214-***-****

SUMMARY OF QUALIFICATIONS

• 20 plus years origination experience in FHA, VA, Conventional, Rural Housing,

Construction, Reverse, Commercial and Subprime loans

• Conventional underwriter for over 5 years, automated and manual underwriting

• Pre-Underwriting files: running automated underwriting, analyzing assets/credit/liabilities,

reviewing documents, debt ratios, LTV/CLTV, crosschecking for fraud, analyzing product

and underwriting guidelines

• Quality control procedures to insure compliance with federal and state laws

• Fannie Mae/Fannie Mae HAFA Short Sale Negotiator

• Analyzing files to determine and if any additional documentation is needed

• NAMB National Trainer 1996-Present

• Branch manager with P & L responsibilities

• Proficient utilizing Microsoft Word, Excel, Publisher, Outlook, Power Point and Photo Shop

• Leader in utilization and training others on proprietary origination and underwriting software

including: Point, Clues, Fannie Mae DU and Freddie Mac LP

PROFESSIONAL EXPERIENCE

11/2010-Present Wells Fargo Addison, TX

Mortgage Interim Underwriter III

• Extensive credit analysis and appraisal review experience

• Strong knowledge of Fannie Mae guidelines, DU guidelines, and underwriting risk

assessment.

• Communicate with internal and external customers thought written and oral communication.

• Knowledge of secondary market industry practices and the effect on underwriting and

origination of residential mortgages

• Underwrites residential loans ensuring compliance with appropriate company and secondary

market investor standards.

• Examines loan documentation for accuracy and completeness

• Works with loan origination or production staff to secure all required documents.

• Ability to validate income, asset and collateral documents including self employed borrowers

and analyzing tax returns

• Leadership in relationship building between support staff, origination staff, and management

• Management of daily production reports, and daily pipeline reports

• Staying current on the never ending changing mortgage industry by reading business

publications and taking classes to enhance my knowledge level

02/2010-09/2010 Rose International/BOFA Plano, TX

Short Sales Negotiator for Fannie and Fannie HAFA

• Analyzing mortgages for qualification for a short sale, document gathering, credit, assets,

income, appraisal/bpo and hardship reasons.

• Underwriting/approving files for short sale following Fannie Mae and HAFA guidelines.

5/2009-2/2010 Network Funding Frisco, TX

Branch Manager

• Producing manager of a net branch with a staff

• Develop relationships with real estate professionals, builders, and other business referral

sources

• Knowledge of various mortgage products, and underwriting guidelines

03/2008-05/2009 Brenner Mortgage Frisco, TX

Vice President of Texas Operations

• Recruiting talented sales team members focused on relationship referral business

• Developing and maintaining relationship with prospective and current clients to increase

business and market share within the region

• Training and mentor sales team members on goals and lending practices.

02/1999-03/2008 CMP Mortgage Services, Inc dba Home Site Mortgage Frisco, TX

President/Broker

• Recruiting, training, and motivating sales team members

• Cultivating and nurturing long term relationships with current and prospective clients.

• Overseeing compliance with state and federal regulations, company policies and investor

requirements

• Approved conventional residential mortgage underwriter for AmTrust, and Interfirst with

lending authority of $417,000

EDUCATION/EXPERINCE

NAMB Leadership & Development Conference Leadership Frisco Class V

Dallas Association of Mortgage Brokers: Texas Realtor Leadership Program IV

Treasurer, Co-Chair of Education Frisco City Hall 101

GMA, CRMS Certifications Frisco Chamber of Commerce Ambassador

WCR Collin County Program Chair HBA HomeAid

Collin County Association of Realtors Frisco Family Resource Center

Government Affairs, Property Management Best Mortgage Lender 2005&2006

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