Bernard West

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

Apt. *** Charlotte, NC 28262

704-***-****

ac0u19@r.postjobfree.com

Objective

To secure a position in the field of Finance where I can apply and build on the experience I have gained in the Business/Financial World.

Summary of Qualifications

Well trained in handling overall responsibility of Underwriter, Mortgage Manger, and Retail Manager

Excellent leadership and managerial skills

Strong ability to work in teams and collaborations

Excellent interpersonal and communication skills

Pay close attention to detail

Strong work ethic and hard working

Adapt extremely fast to changes in my circumstances

Works well under pressure while delivering duties effectively

Very reliable, helpful, flexible and open to new challenges

Education

Bachelor’s Degree

Johnson C Smith University, Charlotte, NC

Bachelor of Business Major in International Business / Finance Candidate 05/2015; Dean’s List

Experience

Guarantee Rates Pipeline Manager Charlotte, NC 06/2016-present

Provides daily supervision and direction for a team of 3-5 mortgage processors

Responsible for daily pipeline management for SLA’s, defined daily / monthly metrics, purchase contract dates success and monthly unit goal

Interpreted policies while analyzing applicant, property and documentation; ordering all required verifications, documentation and subsequent follow-ups

Responsible for team members to be in compliance and following the company’s policy and procedures

Process liaison documents between lenders and legal department

Provide guidance and manage training to other loan documentation team members

Manage an assigned pipeline of loans and or assign new loans to other mortgage / loan processors

Experience with Encompass, DocMagic, DocuSign, VA Loans, Conventional Loans, Jumbo Loans, and/or eSign capabilities

RMC Retail Underwriter/Mortgage Manager, Charlotte, NC 01/2015-06/2016

Certified Underwriter for forward and reverse loan applications.

Analyzed and evaluated the collateral, credit and financial status of individual’s loan approvals.

Ensured loans adhere to program, compliance, due diligence and industry requirements

System: TCI, Para Data, and Smart Sheet

Performed loan file review of all borrower and transaction information

Ensured data accuracy of all information in the system of record

Analyzed credit report related information and confirm accuracy.

Confirmed accuracy of Findings Report information

Analyzed Findings Report messages and conditions for proper routing of the transaction

For Decision Finder, Automated Underwriting and LP approved transactions, analyze transactional areas of the file to include appraisal, title, fraud detection and purchase contract to ensure conformity with Aurora's guidelines

Took specific courses in appraisal review including appraisal red flags and market analysis- applied skill set to desk reviews and second level reviews

Created document checklists according to the type of modification consideration; responded appropriately to internal or other 3rd party inquiries.

Gathered documents for the loan modification process which included credit report updates, appraisals, income tax returns, and asset verifications.

Communicated with CRM/UW to request additional documents; analyzed requests to determine appropriate courses of action and steps required.

Ensured strict adherence to operational policies, procedures, and guidelines; established strong working relationships with the management and staff.

Submitted completed files to Underwriters and declined un-qualified loans such as DOJ, HAFA, HAMP, NON HAMP, and other applicable programs.

TD Bank Consumer Loan Underwriter Greenville, SC 07/2013-01/2015

Analyzed and interpreted financial documents (consumer credit reports, income documentation, consumer and business tax returns, etc.) to determine risk associated with a potential customer

Made decision on mortgage applications based on analysis of application and documentation

Ensured loans were decisional with adherence to all applicable guidelines

Successfully partnered with distributed sales team as a liaison for communicating complex mortgage terms

Assisted in educating centralized processing team in technical data and mortgage information

Other Work Experience

Call Center Mortgage / Retail manager

Retail Loan Processor/ Loan Underwriter II

Computer Skills

Proficient in TLC, Para Data, Smart Sheet Microsoft Word, Excel, PowerPoint, and Outlook

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