Manager Management

SHARON D JONES

**** ***** **** ****, ******, Texas 75211

Home: 832-***-****

********@*****.***

An experienced Underwriter with strong Frontend Underwriting experience with over 15 years in the Mortgage Industry. Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Prospector. Expertise in Conventional, FHA and VA loans. Strong knowledge of Freddie Mac & Fannie Mae's underwriting and quality control guidelines. Experience with Encompass software and various other proprietary softwares. Motivated and ambitious with excellent verbal and written communication skills. Strong skills in training, mentoring and the development of staff. Achieved completion of VA Credit Standards and in initial stages of SARS certification. 10/2012 to 05/2018

GENPACT

Richardson, TX

Senior Underwriter/Trainer

Demonstrated expertise in decisioning Conventional, and VA loans. Dispositioned loans within 24-48 hours of receipt and timely resolved conditions. Exceeded production levels by consistently underwriting over 100 loans each month. Maintained exceptional quality scores of greater than 95%. Performed income calculations of various income types with superior strengths in rental and complex tax returns. Demonstrated effective communication skills with all levels of Management, Processors, Loan Officers, Teammates in both verbal and written format.

Maximum lending authority $650,000.

Provided Team support by being engaged in ongoing mentoring and auditing. Redesigned several underwriting worksheets to help maximize proficiency in workflows. Performed all New hire Mortgage Underwriting training and administered Assessments along with Test Cases. Analyzed quality defects and initiated ongoing development of training tools for the department. Planned and executed the delivery of Investment Training which resulted in a defect improvement rate of 5%. 01/2009 to 02/2012

CONTRACT POSITIONS -BANK OF AMERICA AND FIFTH 3RD BANK Dallas, TX

Senior Underwriter

Reviewed mortgage applications and documentation for accuracy and completeness. Decisioned Conventional, FHA and VA loans.

Analyzed all financial documents to render final loan decision. Demonstrated proficiency in utilizing AUS systems to decision loans. Reviewed and addressed all "red flags" as necessary. Successfully performed all loan decisions within the established SLA's. Maximum lending authority $650,000.

Accurately conditioned loan files.

Performed income calculations, reviewed appraisals, credit and titles. 03/2006 to 06/2009

FAST DEBT SOLUTIONS

Carrollton, TX

Settlement Manager

Fast Debt Results Responsible for the Management of Settlement Negotiations Responsible for achieving Department Settlement Goals

Established Performance Criteria i.e. Call Production Reports, Settlement Negotiations Effectiveness, Statistical Tracking Reports

Handled and resolved escalated calls.

11/2004 to 02/2006

LONDON FUNDING LLC

Fort Worth, TX

Underwriter

SUMMARY

EXPERIENCE

Ensured all originated loans meet investor standards and are in compliance with all program, state and federal guidelines.

Decisioned loan applications and requested additional information as needed. Maximum lending authority $450,000.

Evaluated the financial strength of borrowers to determine risk and repayment capacity. Performed final approvals and reviewing the entire loan file through verification processes, including adherence to investor guidelines and compliance.

Accurately conditioned loans.

06/1998 to 09/2004

CENTEX MORTGAGE

Dallas, TX

Underwriter

Ensured all originated loans meet investor standards and are in compliance with all program, state and federal guidelines.

Recorded loan rejection, specifying investor, institutional guidelines and basis for declining application, such as insufficient cash reserves.

Cleared conditions

Reviewed Appraisals and Titles.

Credit Card Officer.

12/1988 to 05/1998

FIRST USA

Dallas, TX

Loss Control Manager

Responsible for the management of over $22M in delinquent outstandings Managed a Loss Control Unit with a staff of 15 collectors.

Responsible for recruitment, supervision, training and development. Established performance criteria and evaluations.

Forcasted monthly and annual losses with a track record of 2% variance. Developed several critical spreadsheets to analyze data and improve efficiencies in daily work activities. BACHELOR OF SCIENCE: BUSINESS MANAGEMENT 1996

Northwood University, Cedar Hill, TX

Proficient Underwriting skills, Training. Auditing, Cash-Flow Analysis, Communication skills, Credit documentation, Peer Mentoring, Risk Assessment and Special Project Management. EDUCATION

SKILLS

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