Customer Service Project Manager

Julie Lanham

Cellular 571-***-****

Underwriting, Finance Resume abmzsp@r.postjobfree.com

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Profile

Accomplished senior level professional with over 10 years experience in

residential mortgage lending. Proven ability to interact successfully

with diverse populations throughout all levels of organizations.

Frequently assigned special projects due to keen ability to identify root

cause provide solution oriented results'.

Expertise

. Risk management, secondary marketing, portfolio sale and analysis,

underwriting, project management, consulting.

. Capable of evaluating most complex situations, providing remedies for

business processes, simplifying procedures, resulting in cost effective

solutions while providing value to shareholders.

. Adept at analyzing complex individual and corporate tax returns, by

laws, partnerships and articles of incorporation.

. Auditing for compliance, regulatory requirements, and quality

assurance.

. Underwriting all product types Government Insured, Conventional,

Private Mortgage/Pool Insurance, Bond programs.

Career Achievements

Designed, developed and implemented business plans, resulted in improved

efficiency and productivity.

Wrote manuals, policies and procedures, effectively enhancing proficiency.

Accomplished sale of previously underwritten non-saleable or insurable

loans on several occasions. Positively impacted more than one company's

performance, by reducing costs, negotiating sale of previous non-saleable

or government insurable loans, saving significant interest and penalties on

warehousing lines of credit.

Attainted highest level underwriting approval authority for residential

mortgage applications solely on my signature 3M.

Career Summary

SunTrust Banks, Inc (SunTrust Mortgage)

11/07 - Present

AVP, Senior Underwriter - Greater Washington Area (GWR) Mid- Atlantic

Retail Underwriting

Currently work on Remote Paperless Team. Responsible for underwriting

mainly FHA, Agency High Balance,

Jumbo loans to 1.5M. Fannie Mae DU Refinance Plus, Freddie Mac Relief.

Conventional, Complex Wealth Customers, Portfolio Products. Adept at

analyzing Trusts, Corporate and Individual Tax Returns. Providing guidance

to Team Mates.

Level III Underwriter

Act as back up for teammate, Assist MLC's and L.O.'s with structuring

deals, scenarios, underwriting questions. Sign off on conditions, review

appraisals. Second tier for teammate. Assess risk, potential fraud. Ability

to identify key factors related to misrepresentation. Saved the company

considerable sum based on ring uncovered in our area. Maintain Customer

Service Levels, turn time. Follow company policies and procedures. Assigned

difficult, complex loans. Also second tier for MLC's, teammates.

Continually increasing responsibilities due to current market climate.

Spherion Atlantic Enterprises (Temporary Project)

8/07 - 10/07

Grant Processing - Road Home Project. Assist disaster victims of Hurricane

Katrina with eligibility requirements to obtain Grant approval for

Community Block Development Grants approved through State of Louisiana and

HUD. Evaluation of loss coverage for insurance purposes, FEMA, Individual

Hazard Policies.

Obtain missing eligibility criteria to expedite processing of various

assistance programs offered to victims. Evaluate fraudulent claims and

misrepresentation.

Resource Bank (Jefferson Mortgage Group, Ltd.)

Virginia Beach, VA

Senior Underwriter - Northern Virginia Wholesale Lending Branch

2006 - 2007

Manually underwrote large volume of complex multiple investment purchases,

refinances. Alt A and prime products. Analyzed risk, products, and

parameters, title reports. Successfully negotiated exceptions with

Secondary Market Investors and Private Equity Firms. Investigated

fraudulent activity for Real Estate transactions. Successfully identified

risk factors, confirmed results prior to closing the loan files or placing

these loans in pools of mortgage-backed securities. Uncovered several

property related deceptions in various parts of the country, saving the

company considerable sums in potential losses. Commended for quality of

work, keen eye and ability to build relationships and retain customers.

Successfully assisted training sales staff and clients.

Consultant/Contractor /Employee

Northern, VA

Operations Manger, Project Manager, Underwriting Supervisor

2004 -2006

Performed risk analysis on private portfolios. Assessing viability for sale

on the secondary mortgage market. Reviewed processes, procedures and

profitability for small mortgage brokerage shops. Additional tasks

included working on team, setting up banking infrastructure. Assisted with

selection of secondary mortgage market investors, product offering, and

outsourcing vendors. Reviewed complex contracts for items such warehousing

lines of credit, closing collateral service agreements and contract-

underwriting agreements. In addition, selected platforms such as

Interthinx, Core-Logic (comprehensive electronic loan review to decrease

risk) provided counsel to group of Engineers for negotiating terms of

agreements with Vendors and secondary investors. System administrator for

warehousing lines of credit, secondary rights for locking loans. MERS e-

registration, closing doc system, end user-licensing agreements. Achieved

objective, substantially decreased risk, mitigate losses. Trained Loan

Officers on automated systems, interpretation of findings, investors'

guidelines, pricing modules. Managed financing phases of condominium

conversion projects, met with Real Estate Developers, Outside Sales

Organizations, Secondary Market Investors, Housing Opportunity Commissions.

Community Bank of Northern Virginia

2003 - 2004

Underwriting Supervisor/Senior Underwriter/Auditor (Retail Lending Branch)

Responsible for ensuring staff of Processors and Underwriters operated

within CBNV and Secondary Market Investors Guidelines. Government and

Conventional Products. Provided guidance to entire staff of twenty.

Resource for all Secondary Market Guidelines. Trained personnel on

automated systems. Underwrote highest risk deals, provided second review

to junior level staff. Acted as a Liaison to our Investors on remedies.

99% success rate in negotiating sale of previous non-salable or insurable

loans. Assisted Loan Officers on working out deals. Acted as a

Consultant/Auditor to the Bank by analyzing portfolio from former net

Branch Operations. Assisted with HMDA, CRA, and OCC Audit.

American Int'l. Group /United Guaranty Residential

(WDC Regional Office) 1997 - 2003

Risk Analyst/Quality Assurance Council Member Responsible for ensuring that

Northeast Regional Underwriting Offices and on-site Contractors adhere to

and operate within the credit policies and guidelines of United Guaranty

Residential Services and Secondary Market Investors parameters, policies,

and procedures. Member of Quality Assurance Council. Managed, evaluated

and monitored overall quality of loan underwriting for entire Region.

Weekly open forum discussion with the members. Purpose of the Council was

rate the salability on the Secondary Market to ward off potential future

losses. Utilize findings as training opportunities or corrective measures.

Duties included maintaining databases, spreadsheets. Monitor trends,

findings in various market areas and individual underwriters' quality of

decision making covering issues such as credit, employment histories,

assets, real property valuation, reasonability tests, compliance. Special

investigations when warranted.

Regional Staff Underwriter - Contract Services Division - Assigned

difficult full doc packages for several secondary market Investors (Large

Banks, Mortgage Companies and Brokers). Utilized Fannie Mae and Freddie Mac

Automated Underwriting technology. Worked closely with Underwriting

Assistants, Data Validators, and Customer Service Coordinators' to resolve

customer service issues provided training opportunities for complex loan

files.

Contract Underwriter - Traveled throughout North, South, and Midwest

Regions. Ability to manage numerous guidelines, underwrite to negotiated

agreements' for Large Banks, Financial Institutions. Appointed Liaison to

key accounts. Demonstrated ability to maintain positive relations; make

timely sound decisions while improving client relations and quality credit

portfolio.

Waterford Development, LLC

Reston, VA 1994-1996

Assistant Finance Manager Reviewed Real Estate Contracts, purchaser's

financial statements, include credit reports. Advised President whether to

accept contracts, proceed with building process. Entailed managing

construction financing for several small townhouse communities, single-

family development projects. Assisted our homebuyers. Successfully

negotiated fees with Lender to have our costs reduced as well as fees

charged to our consumers. Assisted CFO with Investor reporting on our

portfolio. Included Private Equity Firms in the U.S. and abroad. Detailed

projections on items such as inventory, corporate liabilities, construction

progress, delivery and cash flow.

Licenses and Certifications

. Certified Direct Endorsement Underwriter, Department of Housing and

Urban Development, Washington, D.C.

Awards of Excellence

. American International Group (AIG), United Guaranty. Meeting Customer

Service Initiatives

. American International Group (AIG), United Guaranty. Team Initiative

Award.

Education/Specialized Training/Volunteer

Training Sessions covering Individual and Corporate Tax Return Analysis,

Secondary Marketing, Risk Management, Fraud Investigation, Bank Secrecy

Act, Community Reinvestment Act, OFAC, Patriot Act, SAR, SOX (404). RESPA,

HMDA, TILA, MDIA, HVCC. Society of Real Estate Appraisers (Introduction to

Appraising Real Property). Human Relations and Leadership Training.

Economics, Community Development Block Grants. Management Related:

Listening, Influencing, and Handling Difficult situations. Continual

education of numerous banking and housing compliance and regulatory

requirements. Florida Licensing. Updated training on FHA, Housing

Initiatives for troubled assets. Joints in Motion Fundraiser, Arthritis

Foundation. Raised most revenue of all of my team- mates. American Red

Cross.

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