Management Manager

Jane Harford

Laurel, Maryland ***** 443-***-****

***********@*****.*** www.linkedin.com/in/jane-harford-62899129/

Productive Mortgage Underwriter / Loss Mitigation Analyst / Manager

Strategic thinker with demonstrated analytical abilities, comprehensive understanding of loan processing and risk analysis, with leadership experience in mortgage underwriting and management experience with a non-profit.

Experienced underwriter and loan analyst. Twenty-year certified FHA Direct Endorsement Authority. Non-profit leadership and fiscal management experience. Excels with in-depth research and analysis of default loans, reporting, and education of team members on subsequent results and recommendations.

Areas of Expertise

Mortgage Underwriting

Non-Profit Management

Ability to quickly assess and approve mortgages

Management of fundraising projects and programs

Review and prepare assessments of HUD pre-claim default loans

Treasurer and management of day-to-day non-profit finances

Professional Experience

BB&T Mortgage, Westminster, MD

Underwriter, January 2012 - Present

The sole Analyst for HUD mortgage pre-claim default loans and mortgage credit analysis.

Reviewed over 250 HUD loans per year.

Over 80 mortgage loans processed monthly.

Genworth Financial/Aurora Financial LLC, Westminster, MD

Contract Mortgage Underwriter, January 2011 - January 2012

Hired as contractor and reviewed over 70 mortgages monthly.

SunTrust Mortgage, Annandale, VA

Underwriter, January 2010 - December 2010

Reviewed and approved 65 mortgages monthly.

U.S. Mortgage Finance, Fairfax, VA

Underwriter (Wholesale), January 2009 - January 2010

Provided underwriting service on 60 mortgages monthly.

Olympia West Mortgage Group, Leesburg, VA

Underwriter, January 2008 - January 2009

Review and approved over 60 mortgages monthly.

Education & Certifications

Certification, Annually since 1998

FHA Direct Endorsement Authority

B.S., May 1981

University of Maryland, B.S. Journalism, College Park, MD

Professional & Community Involvement

Fidos For Freedom, Laurel, MD

Treasurer, Board Member, and Fundraiser, January 2007 - January 2016; 2018

Provided accurate and innovative operational and management support for this 25-year-old, 501(c)(3) organization that trains and provides service/therapy dogs to communities in the Baltimore-Washington Metropolitan area.

Responsible for $500,000 annual budget, purchasing, and commercial mortgage.

Manage the joint venture program with the Federal Bureau of Prisons.

Personally, secure sponsorship for 20 pups in training annually.

Howard County Domestic Violence Center, Columbia, MD

Counselor and Board Member, January 1997 - December 2003

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