Quality Control Administrative Assistant
Resume:
Christine Hill
Summary:
Over **+ years of experience as a Mortgage Underwriter
. Underwrite and clear conditions on conforming loans for Wells Fargo
. Extensive mortgage knowledge and experience, fraud training and ability
to find and research issues of a problem loan
. Perform a post-close forensic analysis of loan files for completeness and
accuracy, analyzing credit documents, mortgage applications, credit
history and income documents, title documents, appraisals and all other
applicable required documents
. Expert knowledge on FannieMae, Freddie Mac, and FHA mortgage loan
guidelines
. Underwrite level 1, 2 loans conforming and non-conforming, government
desktop underwriting, knowledge of conforming guidelines, cleared
conditions,
. QC, Risk analysis, and Fraud detection on subprime and conventional
loans
. Manual underwrite -10 years
Work Experience
PHH Mortgage-Aerotek 01/2011-Present
. Analyze and approve private label business partner conforming and non-
conforming loans
. Mentor Jr. Processors
. Manage pipeline reports; daily huddles
. Work with high networth borrowers (Charles Schwab & Merrill Lynch)
FannieMae-StarPoint Solutions 7/2010
-12/2010
. Compose and execute repurchases/rebuttals to investors for ineligible
mortgages
. Negotiate workout solutions for borrowers in pre-foreclosure status
. Work on Chase team on impasse calls with lender
. Manage pipeline of 8 loans per day (Excel spreadsheet)
. Manual re-underwrite defaulted loans for risk criteria and analysis
Consumer Loan Underwriter 3 (Short term Contract) 1/2010-6/2010
Wells Fargo
. Analyze current and default mortgage loans for possible loan
modifications
. Decision loan modifications for terms and interest rates
. Manage loss mitigation files (pipeline 35-50)
. Operate LPS & LIS computer systems
. Knowledge of Freddie Mac and FannieMae (HAMP & HARP Programs)
. Daily reports on Microsoft Office spreadsheets
. QC loan mod approvals and denials
. Perform other due diligence procedures along with underwriting and report
all due diligence results and issues to the due diligence manager and the
trade desk
Underwriter 10/2009-12/2009
Collabera staffing (contract) Capital One, McLean, VA
. Analyze and review loans with MI that has been rescinded by lender
. Document and write rebuttal letters
. Mortgage reporting to client about the status of loan
. Use agency software and computer (computer literate)
. QC fraudulent loans at origination point
. Usage of spreadsheets for reporting purposes
. Through knowledge of FannieMae & FRE guidelines
Underwriter-Level -3C 4/2009-
10/2009
Remedy Staffing. Wells Fargo, Montana & Phoenix, AZ (Short term Contract)
. Underwrite and clear conditions on conforming loans for Wells Fargo
. Home Mortgage, call HMC (Home Mortgage Consultant) on loans that need
clarification, communicate with closers and other staff loans with
issues, Level 1C and 3C authority. Trained in LIS
. Thorough understanding regarding evaluating appraisals, title reports,
flood certifications, hazard insurance, income documentation and credit
reports
. Proficient in computer applications including Word, Excel and various
automated programs
. Ability to communicate effectively
. Strong organizational skills
. Manual underwrite using risk analysis
. Analyze and QC approvals for quality assurance
. Through knowledge of both the wholesale and retail industries
Homesource Network, Snellville, GA (Bank of America)
05/2006-4/2009
Quality Control Underwriter
. Bridge Performed Forensic/Quality Control and in depth 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 salable status
of loans.
. Extensive mortgage knowledge and experience, fraud training and ability
to find and research issues of a problem loan
. Perform a post-close forensic analysis of loan files for completeness and
accuracy, analyzing credit documents, mortgage applications, credit
history and income documents, title documents, appraisals and all other
applicable required documents.
. Performed manual underwriting techniques for research fact-finding
purposes
. Adhered to lender/client laws and procedures, as well as state and local
procedures and policies
. Expert knowledge on FannieMae, Freddie Mac, and FHA mortgage loan
guidelines
Underwriter 10/2006 - 11/2007
1st Continental Mortgage, Stone Mountain, GA
. Manage pipeline, recruit and train new members, originate conforming and
sub-prime loans, problem solve closing issues, loan processing, data
verifying on various forms, post closing, and quality control, underwrite
level 1, 2 loans conforming and non-conforming, government desktop
underwriting, knowledge of conforming guidelines, cleared conditions,
supervisor approval on loans over 1mil or more. Skill on various mortgage
software programs. Knowledge of FHA guidelines,
. Usage of manual underwriting (subprime)
. Highly developed critical thinking and effective risk analysis skills on
compliance for salable loans
. Ambitious self-starter with get-it done attitude
. QC post closings
. Certification of origination (knowledge of state & local regs)
Underwriter/Regional Manager 7/2004 -
10/2006
NLC, Houston, Texas (Mortgage Broker)
. Accurately reviewed loan characteristics with respect to exceptions,
compliance/fraud issues and documented deficiencies, while fraud
detection techniques with compliance reviews were implemented.
Stipulations were placed on loans making the appropriate underwriting
decisions with the rationale behind it.
. Provided a high level of loan review skill for high risk transactions
and communicated decisions effectively to all levels of production
personnel identifying portfolio risks from client's underlying business
practices and/or fraud exposure.
. Recruit and train new members, manage team of 250+ members, manage
pipeline, conduct weekly meetings for compliance issues, problem solve
closing issues, hire staff for processing, conduct payroll for team,
manage office.
. Execute manual underwriting in the absence of computer failures
. Underwrite level 1, 2 loans conforming and non-conforming, government
desktop underwriting, knowledge of conforming guidelines, cleared
conditions,
Underwriter 10/2002 - 6/2004
Option One-Chevy Chase Bank (Wholesale Mortgages)
. Served as advisor answering underwriting questions for loan processors
and originators, trained new employees. Acted as a point of reference
(internally and externally) for underwriting and auditing issues
. Facilitated the loan process for private banking customers, manage
pipeline, coordinate closings with underwriter, problem closing issues,
fund the loan, post closing, and quality control, processing conforming
loans.
. QC Auditor, Underwriter, Loan Auditor, Mortgage, Banking, Quality
Control, Fraudulent loans, fraud, post closing, delinquent audits,
delinquent loans, quality control auditors, post purchase quality
control.
. Post closing funding and servicing on closed loans
. Manual underwriting
Regional Office Coordinator 08/2000 - 2/2002
Pfizer-c/o TRC Staffing, Atlanta, GA
. Determined loan conditions while communicating requirements and decisions
processors and loan officers
. Right hand person for the Director, coordinate and manage calendar,
extensive use of Microsoft Outlook for email usage to field staff
(approx. 6) and other departmental staff, create spreadsheets, make
travel arrangements and process expenditures, coordinate meetings.
Administrative Assistant II 12/1999 - 7/2000
Children's National Medical Center, Washington, DC
. Assist 6 cardiologists in administration and clerical duties, type from
dictation, answer heavy phones, assist in management of office,
timekeeper for department (approx. 50 staff members), make travel
arrangements, use paging system (Palm Pilot), update and maintain up-to-
date licenses and board certifications.
Project Administrative Assistant 11/1998 -
8/1999
Health Systems Research, Washington, DC
. Temporary contract only; experience of working on a government contract
afforded the opportunity to gain in-depth knowledge and skills that
included technical and logistical assistance for 2 Project Directors,
extensive usage of spreadsheet and presentation software, coordinating
meetings and appointment calendars, responsible for all the clerical
duties (Grant writing).
Administrative Office Assistant-Federal Govt employee 6/1997
- 1/1999
Department of Transportation, Washington, DC
. Assist 3 Trial Attorneys with railroad civil cases, usage of Oracle for
case information, clerical duties, and mail distribution, manage trial
calendar for court, maintain and update case filings.
. Program Operations Assistant-Federal Govt employee
Centers for Disease Control and Prevention, Atlanta, GA 4/1988
- 6/1997
. Assist Manager with office duties, delegate incoming inquiries to staff,
maintain library with up-to-date material, make travel arrangements,
process vouchers on computer system, timekeeper, filing, and other
clerical duties, coordinate office programs with other departmental
administrative assistants, oversee outgoing mailings.
Certification
6/2002 Capstone Institute for Mortgages, Norcross, Georgia
Education
Loan origination
6/1984 Fort Valley State College, Fort Valley, GA
Associate Degree
Applied Science
6/1982 University of District of Columbia, Washington, DC
Associate Degree
Biology studies
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