Manager Customer Service

Regina Murray

Summary of

qualifications Senior Underwriting Team Manager

Underwriting Manager

Senior Mortgage Underwriter

Education

California State University

Jacksonville Theological Seminary - Doctorate

degree earned

Professional 2008 - 2010 Bank of America

experience

Mortgage Loan Review Manager

Pre-Underwrite and review mortgage loan

applications to insure program and product

compliance/quality. Assist Banking Center Mortgage

Loan Consultants in securing necessary

documentation for loan submissions.. Met with

consumers to pre-qualify and complete applications

for conventional and government mortgage requests.

2005 - 2008 Washington Mutual Bank - Atlanta, GA

Sr. Mortgage Underwriter/Underwriting Team Lead

Responsible for insuring the loan quality and

proper operational procedures for a team of Sr.

Mortgage Underwriters. Maintained and trained staff

on the thorough understanding of underwriting

policy and procedures. Reviewed and 2nd signed

mortgage loans to assure compliance and proper loan

decisions. Responsible for underwriting loans that

exceeded the lending authority of staff

Underwriters. Maintained a residential lending

authority of $6 million on Conventional and Second

signing FHA and some VA

2004-2005 Washington Mutual Bank - San Francisco

Sr. Mortgage Underwriter / Underwriting Team Lead

Responsible for retail and wholesale mortgage loan

underwriting. Provided underwriting support for

high risk loan transactions. Evaluated complex

transactions to evaluate risk and approve those

outside of staffs' authority.

Functioned as an Underwriting liaison between

Operations and Sales Departments in communicating

loan guidelines. Achieved required underwriting

productivity goals as well as loan file quality

goals.

2000-2003 Washington Mutual Bank

Sr. Underwriter

Responsible for exception credit analysis for 1-4

unit residential loans. Reviewed and analyzed the

mortgage loan application to ensure accuracy and

compliance with Investor guidelines and lender

policy. Assisted in mentoring newly hired staff

Underwriters and Processors. Maintained an

excellent level of customer service via effective

oral and written communication. Investigated and

performed independent research as needed.

Additional Experience

VA, FHA and DE/LAPP underwriting experience

incorporated into Fleet Finance, Bank of America,

and Washington Mutual Bank

1995-2000 Bank of America - DU underwriting

Sr. Underwriter

1993 - 1995 Fleet Finance

Sr. Underwriting Manager

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