Quality Assurance High School

Rose Mary Nign

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

Chino Hill, California 91709

909-***-**** Cell 909-***-****

OBJECTIVE:

A challenging position utilizing my skills in organization, communication and knowledge. Returning to the

Workforce being on hiatus raising my family.

EXPERIENCE:

October 2008 to present

Bath and Body Works, Chino California

Sales and stocking associate Primary responsibilities, receiving product shipments, organizing and stocking display

shelves and back stock. Meet and greet customers helping with their needs and purchases. Full floorset of stores

new disiplays

February 1994 to September 1999

Bank of America, Pasadena California

Wholesale Underwriter executive and brokers, communications regarding guidelines, problems and solutions,

Underwrote conventional residential 1-4 conforming and non-conforming up to 400,000.00 and

1,500,000.00 with 2nd level approval analysis of credit and collateral. Handled high volume account responsible for

maintaining and updating pipeline for adverse and stale dated files. Knowledge of FNMA, FHLMC guidelines.

NationsBanc Mortgage Corporation (merge)

Wholesale Coordinator

Handled pipeline of 120 files on average. High volume telephone communications with account executives,

brokers, title companies and escrows. Reviewed conditions, verified accuracy of file documentation for final

documents and follow up thru funding. Handled pricing and lock-ins/pricing exceptions for brokers. Assisted

funding department when needed to draw documents, audit and fund loans when needed.

Quality Assurance Auditor

Audit funded and adverse files for HMDA compliance. Assured regulation Z & B compliance followed, audited

adverse action files for accuracy of income calculations and reason for denial/withdrawal, and validated documentation

in file for same. Handled special projects for broker compliance and fraud detection.

Rancho Santa Marguerita Mortgage (merge Nationsbanc-Bank of America)

Wholesale Funding Supervisor

Developed Wholesale Funding Department, procedures and manual. Supervised 4 to 6 Funders, 4 document

preparation clerks and numerous temporary employees. Conducted weekly organizational meetings and training

sessions to maintain accuracy, guideline updates and open line of communication for any problems and solutions.

Heavy communications with brokers, escrows, Title Co. and account executives. Assuring audit and shipping

department of complete and accurate closed loan files. Maintained pipeline report for future goals and staffing.

October 1990 to January 1994

Lowell Smith and Evers Inc(Merge with Rancho Santa Marguerita Mortgage)

Assistant Vice President.. Funding /secondary marketing

Development of the wholesale, retail funding department and secondary marketing. Worked with Brokers and in

house agents from application to closing. Residential 1-4, conventional, jumbo, commercial and constructions

loans.

February 1986 to October 1990

Pacific Diversified Finacial Group (merge with Lowell Smith & Evers)

Wholesale Mortgage Broker

Funding Supervisor

Small funding department supervisored 3 funders all wholsale loans. From approval thru closing. Audited files and

completed for secondary marketing for servicing. High volume office.

Education:

Schurr High School, Montebello, Ca. diploma

Personal references:

Mark Warner 909-***-****

Don Harris 951-***-****

Kandie Phelps 909-***-****

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