Terry Jackson

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

Little Rock, Arkansas 72223

501-***-****

abmpz4@r.postjobfree.com

PROFESSIONAL EXPERIENCE

The Mortgage Bank of Arkansas - Little Rock, Arkansas

Senior Mortgage Loan Underwriter (2009 to 2010) Reported to the Vice

President of Operations. Responsible for the underwriting of FHA,

Conventional and VA loan types. Additional job function included the

design, development and implementation of internal credit policy.

Riverside Bank - Little Rock, Arkansas

Loan Administration Manager (2008 to 2009) Reported to the President of the

Bank. Oversee all activities of loan production, loan servicing for both

commercial and consumer lending functions. Responsible for loan

processing, documentation, pre-closing/closing, monitoring, loan servicing,

and various underwriting activities. Additional job function included

completion of special projects for the CEO such as obtaining FHA approval

and obtaining additional investors for Riverside Mortgage.

ENG Lending - Little Rock, Arkansas

Underwriting Manager (2005 to 2008) Reported to the Manager of Secondary

Marketing. Acted as Underwriting Manager overseeing a staff of two

Underwriters. Responsible for the underwriting flow of Conforming,

Nonconforming, FHA, and VA loan types. Additional job function included

the design, development and implementation of internal credit policy.

Developed quality control and fraud detection policies that decreased

potential losses through implementation of the policy.

National Bank of Arkansas - Little Rock, Arkansas

Senior Vice President and Chief Operations Officer (2003 to 2005) Reported

to the Chief Executive Officer of the bank. Directed the sales and

operations of 25 employees with annual mortgage closings of

$125,000,000.00. Functions managed include: sales management for both

Retail and Wholesale lending, development and implementation of credit

policy, and secondary marketing of all mortgage transactions. Restructured

mortgage group which increased lending production and profitability by 40%.

Acted as Underwriting Manager for Conforming, Nonconforming, Alt-A, Sub

Prime, FHA, and VA loan types. Designed quality control and fraud

detection policies that decreased potential losses through Wholesale

lending operation.

Superior Federal Bank - Little Rock, Arkansas

Assistant Vice President / Underwriter (1999 to 2003) Reported to the

Underwriting Manager. Responsible for the review of pertinent data relating

to the credit worthiness of each borrower. Reviewed the appraisal for

compliance with the appropriate guidelines and for the worthiness of the

subject property as collateral for the loan. Loan types consisted of FHA,

VA, and Conventional. Additional job functions included performing due

diligence of mortgage pools purchased by the bank.

Bank of America Mortgage - Little Rock, Arkansas

Community Investment Account Executive (1998 to 1999) Reported to the

Branch Manager and was responsible for implementation of a plan of action

to increase volume of CRA loans. Conducted home buyer education seminars

and developed relationships with various community entities and nonprofit

agencies to promote CRA lending.

Underwriter III, Memphis, TN RSSC (1997 to 1998) Reported to Underwriting

Manager and was responsible for review of pertinent data relating to the

creditworthiness of each borrower. Reviewed the appraisal for compliance

with the appropriate guidelines and for the worthiness of subject property

as collateral for the loan. Loan types consisted of FHA, VA, and

Conventional.

Account Executive, Littler Rock, AR (1996 to 1997) Reported to the Branch

Manager and was responsible for the origination of various mortgage loan

products.

Pilot Program Underwriter, Memphis, TN (1995 to 1996) Implemented an

Alternative Documentation Loan Program designed to provide loan decision

within 12 to 48 hours of loan application. Underwrote FHA and Conventional

loans through Pilot Program.

Superior Federal Bank - Little Rock, Arkansas

Underwriter (1993 to 1995) Reported to the Underwriting Manager and was

responsible for the review of pertinent data relating to the credit

worthiness of each borrower. Reviewed the appraisal for compliance with

the appropriate guidelines and for the worthiness of the subject property

as collateral for the loan. Loan types consisted of FHA, VA, and

Conventional.

Mortgage Loan Officer (1991 to 1993) Reported to the Senior Vice President

of the Mortgage Loan Division and was responsible for the origination of

FHA, VA, and Conventional loans. Maintained a monthly origination and

closing level of $800,000.00 to $1,300,000.00 through an implemented

business development plan of customer base service, realtor, and builder

call program.

First Jacksonville Mortgage Company - Jacksonville, Arkansas

Loan Processing Supervisor (1989 to 1991) Reported to the President and was

responsible for the supervision of two loan processors and one loan clerk.

Met with customers concerning their loan files, answered their questions

and helped them to be at ease with their mortgage loan process. Quality

control of each file that included final review of credit documentation,

appraisal, final inspections, and other related documentation.

Capital Savings and Loan Association - Little Rock, Arkansas

Loan Origination Manager (1988 to 1989) Reported to the Senior Vice

President of the Mortgage Loan Department and was responsible for the

supervision of three loan officers. Structured loan origination territory,

monitored production levels, and assisted senior management in the pricing

of the mortgage loan products.

Loan Officer (1987 to 1988) Reported to the Vice President of the Mortgage

Loan Department and was responsible for the origination of FHA, VA, and

Conventional loans. Maintained a monthly closing level of $800,000.00 to

$1,000,000.00.

OTHER PROFESSIONAL EXPERIENCE

Four years of Retail Banking experience as Branch Manager of medium size

bank branch with a total of six employees. Duties included supervision of

teller and new account operation, business development, and consumer

lending. Prepared yearly operating budget of branch and performed

performance reviews of branch personnel.

EDUCATION

Bachelor of Music (1987)

Ouachita Baptist University

Federal Housing Administration - Basic, Intermediate, and Direct

Endorsement Training.

Approved as a HUD DE Underwriter.

Approved as a VA LAPP Underwriter.

Numerous mortgage related courses and seminars for various sources.

SELECTED PROFESSIONAL AFFILIATIONS

Mortgage Banker Association of Arkansas

Little Rock Board of Realtors

North Pulaski Board of Realtors

References available upon request.

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