Manager Operations

Kenya M. Lockett

Phone 770-***-**** hOME/404-***-**** cELL . E-mail

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

SUMMARY OF QUALIFICATIONS

DE CERTIFIED, EXPERIENCED WITH ALL CONVENTIONAL

PRODUCTS. HIGHLY EXPERIENCED WITH ALL (FULL DOC) VA

LOAN TRANSACTIONS AS WELL AS INDEPENDENTLY

MAINTAINING A CATALOGUE OF MONTHLY & PERIODIC UPDATES

FOR HUD SINCE 2006. RESPECTED AND NOTED FOR THE

ABILITY TO BALANCE QUALITY AND QUANTITY IN

UNDERWRITING DECISIONS, VAST GUIDELINE KNOWLEDGE AND

MEETING QUOTA. VERY QUICK TO EFFICIENTLY LEARN

PROPRIETARY LOAN UNDERWRITING/OPERATING SYSTEMS &

PREFERS UTILIZING "PAPERLESS" SYSTEMS.

Professional experience

Sr. Underwriter Feb. 2009-Jan. 2010 Freedom

Mortgage Corp. Atlanta, GA

Full credit underwriting of FHA (including 203K

rehab.) & Conventional loans as well as full manual

credit underwriting of USDA (RD guaranteed

housing),VA IRRLs & Energy Efficient loans. Current

and familiar with all new FHA, FNMA/FHMLC and VA

guidelines and announcements (including 2010 RESPA

and TILA MDIA forms & procedures). Over 100+ loans

underwritten per month (during busy periods). LP & DU

used as well as manual underwriting (when

applicable). Highly experienced with HUD REO

purchases as well as FHA & VA building on own land

transactions.

Consultant/Government Specialist Sept.-Dec. 2008

Southern Highlands Mortgage, Blairsville, GA

Consulted President and staff on structuring,

guidelines, processing and AUS submission of FHA & VA

loans. Reviewed existing and new loans in company

pipeline for possible submission as FHA, VA or RD

loans. Trained Processor on structuring, guidelines,

general and specific review of all loans as well as

trained staff on "building on own land" Conventional

to government loan conversion and submissions. Also

acted as liaison between HUD and government investors

regarding loan submissions, loan restructuring and

lender capabilities and performed random audits on

closed loans for RESPA, HUD and Banking & Finance

regulations.

Contract Underwriter 2007-June 2008 Republic Mtg.

Ins Co. Kennesaw, GA

Full credit package underwriting of Conventional, Alt

A and Jumbo residential loans for various investors

as well as full package underwriting for MI.

Designated to become part of an elite group created

for high production, quality and same day turn time

for prestigious builder accounts and high profile

investors. Due to the high level of quality and

service, a new office was established for this group

specifically dedicated to service and promote these

important accounts. Implemented FNMA, FHLMC, investor

specific and RMIC guidelines for loan approval.

Sr. Underwriter 2006-2007 Lenox Financial Mortgage

Corp. Atlanta, GA

Full credit package underwriting of Conventional,

Jumbo and Alt A loan products as well as full

underwriting & endorsing of title binder. LP and

AssetWise programs were used to determine eligibility

for approval along with FHLMC and investor

guidelines. Internally certified by investor,

Provident Funding, to underwrite all products

available to Lenox Financial.

Sr. FHA Underwriter 2004-2006 Taylor, Bean & Whitaker

Mtg. Corp. Atlanta, GA

Full credit underwriting of FHA, Alt A, JUMBO (to $5

million+) and second mortgage products. Implemented

HUD, FHLMC and private investor guidelines in

conjunction with LP as well as manual underwriting of

all products-including FHA and Conventional. Selected

as 1 of only 2 Underwriters for the entire company,

nationwide, to underwrite HELOC niche product.

Experienced with manual & AUS underwriting of

manufactured homes (FHA & Conv.), 203K loans and some

RD experience. Completed various training and

workshops for HUD, RD, and Freddie Mac.

Contract Underwriter 2003-2004 Genworth Financial

(GEMICO) Alpharetta, GA

Full credit package underwriting of Conventional and

JUMBO loans, including assisting in the development

of investor specific guidelines for underwriting

manufactured homes in GA for onsite lender.

Implemented FNMA guidelines for underwriting

decisions as well as investor and Genworth

underwriting guidelines for MI. Worked exclusively

with the Operations Manager as a reference for all

automated underwriting and FNMA/FHLMC

guideline-specific questions. Performed compliance

and fraud checks as well as underwriting and

endorsing title binder.

Underwriter/Contractor 2003 Wells Fargo Home

Mortgage Atlanta, GA

Underwrote conventional loans by validating LP & DU

findings. Conveyed underwriting decisions to brokers

and counter offered additional loan products if loans

did not meet FHLMC/FNMA guidelines. Also underwrote

streamlined FHA & VA loans as well as full credit

underwriting of FHA & VA loans during high volume.

Underwriter 2001-2002 Amtrust Mortgage Corp.

Atlanta, GA

Full credit underwriting and validation of automated

findings for all Conventional loans. Completed

pre-underwriting for all FHA, VA and sub-prime loan

packages for outside investors and "in house" DE

underwriter. Directed all remote branch processors

and branch managers with structuring and guidelines

for FHA & VA loan packages.

Consultant 2000-2001 Americap Mortgage Corp.

Atlanta, GA

Worked directly with the President, VP and Sales

Manager on structuring and improving investor

relations for FHA, VA, Conventional and sub-prime

loans. Consulted Loan Officers on structuring and

pre-underwriting of FHA & VA loans. Also trained all

Sr. and Jr. Processors on FHA and VA financing and

established all Wholesale conforming correspondence.

Acted as main liaison between all conforming lenders

for entire brokerage.

Sr. Loan Processor & Loan Officer 1995-2000

Citizens Trust Bank Atlanta, GA

Full processing and origination of Conventional, FHA

and VA residential loans. Responsible for helping to

pilot major new construction business contacts which

led to a new mortgage division. Trained all Jr.

Processors for future transition to Sr. level. Also

played an intricate role in spearheading all co-op

relations for the Atlanta Hartsville-Jackson Airport

Relocation Project which led to statewide

opportunities for various mortgage brokers, real

estate agents and prospective buyers.

Education & special skills

DE certification (CD14) and received various training

courses from HUD, VA, FHLMC/FNMA, RMIC and investor

specific training courses. Proficient with both LP

and DU and experienced with various AUS engines

including Gemstone, SIMUN, eMagic, AssetWise, AU

Central, Engenious, Clout/CLUES, etc. Experienced

with the ability to train on various retail LOS

including CALYX, Encompass, Byte, Data Trac, Contour,

Byte and Dynatek.

Various courses completed with Capstone Institute of

Mortgage Finance-1996-1999

GA Perimeter College, Major: Business (Banking &

Finance) 1997-1998

Savannah State College & University, Major: Chemical

Engineering 1993-1994

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