LINDSAY M HARGETT

***** ********** ****** ****. *., Jacksonville, Florida 32257 904-***-**** ac18cg@r.postjobfree.com

Highly experienced and outgoing professional with a stellar work ethic. Proficient at managing interactions with clients and coworkers with courtesy. Functions well both independently and in a team environment. Over twenty five years employment in the Jacksonville area, primarily in the mortgage lending industry. Committed to ongoing professional development and providing first class service to customers and employers.

Employment & Experience

Freedom Mortgage Corporation (April 2016 – present)

Conventional & Florida Bond Specialty Underwriter January 2017 – present MJ Ravenscroft, Mgr. 904-***-****

Currently responsible for underwriting Conventional loans, using both DU & LP. Specializing in Florida Bond, and other down payment assistance programs. Majority of the loans reviewed are first time buyers with challenged or limited credit histories. Loan approvals are based on a total file review of credit, income, assets, collateral and other compensating factors.

Senior Loan Processor IV April - December 2016 Jennifer Apraez, Mgr. 904-***-****

Managed a pipeline of 25-45 active loans, mostly purchases, using mainly Florida Bond and other down payment assistance programs along with FHA, VA or conventional first mortgage loans.

Wells Fargo Home Mortgage (January 2012 – April 2016)

Senior Loan Processor IV June 2014 – April 2016 Jeni Vaught, Mgr. 904-***-****

Partnered with the largest originator in central Florida region. Consistently met or exceeded goal and managed a pipeline of 30-50 loans in various stages, mainly purchases. Programs included FHA, VA, Conventional, & the occasional Non-Conforming loan.

Conventional Underwriter II January 2013 – June 2014 Gerry Copeland, Mgr. 904-***-****

Reviewed all credit, income, asset and collateral documentation to determine the borrower’s overall ability to repay. Maintained excellent ratings in quality, communication, & consistently placed in the top ten percentile for Customer Loyalty, as well as production. Completed all training & passed all testing requirements to obtain my Conventional Underwriter II signing authority on both the LIS & CORE platforms. Transferred to Senior Loan Processor position within the Wells Fargo Bank branch in June 2014 due to the relocating of the underwriting department to Orlando and Charlotte.

Senior Non-conforming Loan Processor January 2012 – January 2013 Frantz Glaze, Mgr. 904-***-****

Managed a pipeline of 50-90 non-conforming loans on both LIS & CORE. Consistently a top producer while simultaneously training newly hired teammates. Assisted in the design & implementation of several “best practices” on the new CORE system. Partnered with internal departments to assist in expediting the loan process for several of the banks high profile customers.

Florida Capital Bank Mortgage (September 2011-January 2012)

Conventional Junior Underwriter September-October 2010, August 2011-January 2012 Jodie Watkins Manager 904-***-****

Reviewed the West Coast files and cleared all but the final appraisal and tax returns/transcripts. Division was relocated to the West Coast and the local Junior Underwriting positions were dissolved.

Bank of America, formerly Countrywide Home Loans Wholesale (July 2005 – August 2010)

Senior FHA/VA Loan Processor Correspondent Marty Bridges Manager 904-***-****

Managed pipeline of 40-60 FHA/VA loans. Calculated income and assets, and reviewed other loan documents received. Updated loan file and reran CLUES for final underwriter review and clear to close. Scheduled all closings with title agents. Consistent top producer, closing more than the site goal of 35 units monthly. Held site record of funding 102 mortgages in one month.

QC Auditor & Deficiency Specialist Kathe Oliver Mgr. 904-***-****

Audited all FHA & VA loan in clear to close status for accuracy & compliance prior to sending to closing for docs out. Verified all case numbers, CAIVRS, Lender ID's, correct forms for each investor were complete & Mortgage Insurance factors were correct. If deficiency occurred during the insuring process, obtained items necessary to complete insuring by FHA & VA.

Conventional Underwriter Erik Hokansson Mgr. 904-***-****

Credit approved anywhere from 10-12 conventional loans per day on the CLUES underwriting platform. Approved piggyback Home Equity loans as well. Reviewed all credit, income, asset, collateral, title & insurance documents to confirm loan met all DU/LP requirements.

Conventional Junior Underwriter Tondalaya Lang Mgr. 904-***-****

Obtained signing authority to review & clear most income, asset & credit documentation. Once completed, prepped file for clear to close & submitted to Underwriter for review of appraisal & tax returns, as well we second sign for final clear to close.

Senior Conventional Loan Processor Erik Hokansson, Mgr. 904-***-****

Dedicated loan processor to top producing underwriter. Assigned to our region’s largest volume producing broker. Consistently met & exceeded maximum goal potential.

Washington Mutual Bank FA, formerly HomeSide Lending (August 2000 – August 2005)

Assistant Sales Manager & Loan Officer Liz Kriel, Mgr. 800-***-****

Assisted in managing a team of 10-12 Loan Officers. Approved pricing concessions using the Profit & Loss calculation sheet, & pre-qualified loans based on document review. Trained new hires, as well as coached & developed team members in order to increase sales volume. Originated mortgages for employees, as well as current & new clients under conventional, FHA & VA guidelines. Promoted to Assistant Sales Manager after one year & helped implement our new line of business with affiliate business partners who received special pricing incentives due to their employer partnership with HomeSide Lending.

OSI Collections, formerly Capital Credit Collection Agency (August 1996 – August 2000)

Team Lead, Experience Credit Representative Andre Parker, Mgr. 904-***-****

Negotiated payment arrangements with customers with payment delinquencies ranging from 30-120 days past due. Assisted new hires with questions & system navigation. Performs routine Quality Control Monitoring for team members to ensure they were abiding by the laws set forth by the FDCPA (Fair Debt Collection Practices Act).

***Personal references available upon request***

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