Holly Havens ****

Oblock Rd Plum PA *****

412-***-****

ac15yz@r.postjobfree.com

PROFESSIONAL SUMMARY:

● Process oriented individual to see items throughout the entire lifecycle with excellent time, resource and milestone management.

● Organized individual who effectively identifies and resolves complex financial issues.

● Familiar with several programs such as Empower, Encompass, Genesis, Display Soft, Quicken, Lexis Nexis, Mers, RealEC, MLCS, FNC-CMS, etc...

● Knowledgeable with all Fannie Mae/Freddie Mac, HUD, FHA, VA, Conventional and PHFA guidelines.

●Offering management and leadership skills in many areas with 20 years in mortgage and title industry.

● Knowledge of Project Management in all positions throughout my career.

● Licensed In PA, MA, CT, KY and NY.

Work Experience:

Compliance Underwriter - April 2017 – July 2017 American Mortgage Consultants

● Expertise in Conventional, FHA, VA, Reverse, HARP, PHFA, USDA, Fannie Mae and Freddie Mac Loans.

● Make sure company operations are in accordance to industry regulations and standards.

● Input Data from scanned documents provided by client into computer system and ran compliance review for each file.

● Performed verifications for credit, income, employment and debt to income ratios per client stipulations.

● Exceeded or met daily file quota mandated by management. Mortgage Loan Underwriter -July 2016 - Jan 2017 Urban Lending Solutions for Suntrust Mortgage, Inc.

● Expertise in Conventional, FHA, PHFA, Reverse, HARP, USDA,Fannie Mae and Freddie Mac Loans.

● Known for strengths in risk assessment, income and Credit analysis, Cash flow analysis, Loan to Value Ratios, Debt to Income ratios, Tax Return Reviews and complete document review.

● Comprehensive knowledge of underwriting guidelines and restrictions for loan programs.

● Able to timely and accurately complete compliant loan packages.

● Work collaboratively with team members to drive deals to successful funding and close.

● Balance the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability. Mortgage Loan Processor - Dec 2014 – June 2016 Urban Lending Solutions for Suntrust Mortgage, Inc.

● Team Subject Matter Expert for launch of new Computer Software.

● Help to do reporting and various duties when Ops Manager is out of the office.

● Pre qualifying perspective borrowers and helping them to resolve any credit issues.

● Maintain schedules to adhere to SLA milestones to bring loans to completion.

● Research to obtain the correct rate for the customer as well as the correct program.

● Responsible for seeing each project from initiation to close-out. Whether it be a customer thru the mortgage process or internal projects for the company.

● Maintain risks and mitigation plan for the internal and external (customer mortgages) projects, develop contingency plan, and maintenance plan for projects.

● Work hand in hand with Loan Officers, Appraisers, Underwriters, Real Estate Agents and anyone involved in the day to day process of closing a loan. Mortgage Loan Processor / Loan Originator - Feb 2010 – Nov 2014 - Allegheny Mortgage Corp.

● Responsible for processing loan from start to finish until funded by the investors

● Knowledgeable with all Fannie Mae/Freddie Mac, HUD, FHA, VA, Conventional and PHFA guidelines for Purchases and Refinances.

● Customer Service to include being the main point of contact for the program, be the liaison between borrower, underwriter, loan originator and lender, provide timely and periodic status updates

● Customer Intake and Data Entry, gather documentation from customers, and follow up on pending items

● Create and maintain files, databases, records, and/or other documents for recurring internal reports

● File System Management, Compile documents for files and complete intakes to Data Management System for processing and assessment, Provide complete customer files that are compliant with regulatory agencies and internal policies, and maintain customer privacy

● Administrative Support to include but not limited to Preparation of commitment and denial letter(s), and cancel files when necessary, maintain reports, complete status updates, Process documents for each file, verification of each file, and make recommendations for procedural changes to increase efficiency.

Underwriting/Post Closing/Settlement Officer - Jan 1998 – Mar 2004 Matrix Property Settlements/Landco, Inc.

● Responsible for knowing all aspects of opening and closing a loan from start to finish, including ordering all lien letters and resolving any liens or title issues that would arise on any given property.

● Responsible for cutting and disbursing all monies due to all parties.

● Responsible for the receipt of and reviews of all applicable loan documentation.

● Performs data entry of loan information

● Communicates with title companies and investors to resolve questions and concerns regarding closing information. ● Obtain missing documentation to provide to investors and realtors

● Performs various administrative tasks including typing, filing and copying

● Knowledgeable with all Fannie Mae/Freddie Mac, HUD, FHA, VA, Conventional and PHFA guidelines for Purchases and Refinances

EDUCATION:

● Mortgage Originators License 2014 and 2015

● Proschools.com 2014 and 2015

● Penn State University 1989 - 1993

● High School Diploma 1989

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