Manager Customer Service

LA VERNE S. PERRY

***** ******** *****: 313-***-****

Detroit, Michigan 48219 abngrc@r.postjobfree.com

CAREER SUMMARY

Banking executive with extensive underwriting, processing, insuring and post closing knowledge

of Conventional, Residential Construction, FHA, VA and Bond Loan programs. Experience in

regulatory, agency and internal quality assurance audits relating to mortgage loans. Ambitious,

goal-oriented and quality conscious with excellent customer service, verbal, and written

communication skills.

PROFESSIONAL EXPERIENCE

CITIZENS BANK, FKA REPUBLIC BANK, Farmington Hills, MI 1996-2008

The largest bank holding company headquartered in Michigan.

VP, Residential Construction Loan Operations Manager 2007-2008

Managed staff of four composed of construction draw and conversion specialists.

Monitored construction pipeline reports, assisted with construction draws, conversions

and extensions.

Provided assistance with exceptions to the construction program as well as reviewed

loans to make sure construction projects did not exceed assigned completion dates.

VP, Interim Underwriting Manager / Special Programs Manager 2006-2007

Managed staff of six underwriters, one administrative assistant as well as the Special

Programs staff.

Assisted staff and contract underwriters with difficult loan decisions, reviewed appraisals,

credit reports and pipeline reports.

Attended and presented files at the weekly exception meeting. Attended second-look

committee meetings and made final decisions on declined loans.

Assisted the Special Programs Department with insuring and post closing of government

and bond loans. Took the lead role in the company’s HUD audit in 2007, which

produced no findings.

VP, Regional Operations Manager / Special Programs Manager 2005-2006

Managed a staff of 15 processors and four closers as well as the Special Programs Staff.

Held monthly operations meetings with staff to provide mortgage industry updates.

VP, Final Documents / Records / Special Programs Manager 2004-2005

Managed the Final Documents and Records Department as well as the Special Programs

Staff.

La Verne S. Perry Page 2

CITIZENS BANK, FKA REPUBLIC BANK, ( continued )

VP, Final Documents / Records / Special Programs Manager

Ensured recorded mortgages, final title policies, assignments ( MERS ) were delivered to

investors in a timely manner.

Assisted the Records Department staff by making sure mortgage loan files were properly

tracked.

Developed and implemented an electronic order form for internal clients, which reduced

fax and telephone records requests.

VP, Special Programs Manager 1999-2004

Managed staff of five responsible for post closing, insuring, and delivering bond and

government loans.

Assisted with disbursements of repair escrow loans as well as 203K rehab loans.

Senior Mortgage Underwriter 1996-1999

Handled Conventional, FHA, VA, Bond and Residential Construction Loans.

Assisted with quality audits.

FIRST OF AMERICA BANK, Livonia, MI 1978-1996

Financial Institution.

Mortgage Underwriter 1993-1996

Handled Conventional, FHA, VA, Bond and Residential Construction Loans.

Assisted with quality audits.

Mortgage Service Representative 1989-1993

Attended closings on behalf of the bank to ensure documents were accurately executed.

Provided mortgage customers with additional products that were approved, e.g.

checking, home equity, and safe deposit boxes.

Originated two to four new applications per month.

Dealer Floor Plan Clerk 1979-1989

Monitored and disbursed lines of credit for auto and boat dealers.

Office Co-op Student 1978-1979

Filed lawsuits and garnishments for the bank’s Legal Division.

EDUCATION

Diploma, Denby High School, Detroit, MI

American Institute of Banking

Courses included:

Accounting

Supervision

English

FHA Direct Endorsed Underwriter

VA Staff Appraisal Reviewer

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