Mortgage Product Development
Resume:
Torrence Forney
Charlotte, NC 28212
**************@*****.***
EDUCATION:
The Citadel, The Military College of South Carolina-Charleston, SC
BS - Business Administration
Jacksonville University-Jacksonville,FL – MBA - August, 2008
CERTIFICATIONS: LAPP/SAR #013431 with VA, DE Certifications CHUMS# BU43 with FHA, NMLS Approval # 890113
COMPUTER EXPERIENCE: DU/LP, GUS, Encompass 360, LPS, Calyx Point, Datatrac, Mortgage Ware SAP, NetSuite, QuickBooks, Microsoft Word, Excel, Outlook, Access and PowerPoint.
WORK EXPERIENCE:
VETERANS UNITED HOME LOANS-Columbia, MO., 12/16-1/18
Senior Remote Underwriter
Currently underwriting government loans for the retail division.
My goal is to underwrite and approve mortgage loans that are saleable on the secondary market.
FIRST RELIANCE BANK
Senior Underwriter/AVP-Charleston, SC 12/15-11/16
HUD Application Coordinator (FHA and VA Administrator) for the Banks retail division.
Duties also include underwriting Conventional, FHA, VA, USDA, Jumbo and Super Jumbo Non-Conforming mortgage loans.
PACIFIC UNION FINANCIAL, LLC-Charlotte, NC 8/14-11/15
Senior DE/SAR Underwriter
Underwrote Conventional, FHA, VA, and USDA mortgage loans on the wholesale division of the East Coast Operations.
My goal was to underwrite and approve FHA, VA, and USDA loans that are saleable on the secondary market.
RUTHERFORD COUNTY PUBLIC SCHOOLS-Forest City, NC 8/13-8/14
Business Education Teacher
Instruct students in areas of business. Subjects were Finance, Accounting, and Marketing.
The goal is to help every student pass all classes and the necessary exams to be promoted to the next grade.
AMERISAVE MORTGAGE CORPORATION-Atlanta, GA 07/12-07/13
Senior Remote Government Underwriter
Analyzed credit, asset and financial statements from potential clients seeking mortgage loans.
Objective was to make sure that all FHA and VA loans approved met insuring and guaranteeing guidelines.
ACCENTURE CREDIT SERVICES-Charlotte, NC 08/10-07/12
Senior Underwriter
Analyzed credit, financial and asset statements for firms’ BPO clients for approval or denial of conventional mortgage loans.
Objective was to make sure that any loan approved would be saleable to investors with no deficiencies.
REMX FINANCIAL-Charlotte, NC 06/09-08/10
D.E. Contract Underwriter
I provided frontline and forensic underwriting on FHA, FNMA, FHLMC, USDA and Jumbo mortgage loans.
Objective was to underwrite a mortgage loan that was saleable to investors such as Fannie Mae and Freddie Mac.
SUNTRUST BANK-Jacksonville, FL. 03/04-04/09
Mortgage Trainer/Senior Government Underwriter:
Conducted training classes for our mortgage staff. Co-authored the mortgage training manual while holding the position of Product Development Chairman.
Underwrote FHA, VA, conventional, and jumbo mortgage loans up to $1,000,000.
CONTEMPORARY SERVICES-Galena, IL.0 8/02-03/04
Contract Underwriter:
Assigned to various banks and/or mortgage companies to underwrite mortgage loans and perform due diligence on closed loans with deficiencies.
Underwrote Fannie Mae, Freddie Mac, conforming, non-conforming, jumbo, and super jumbo mortgage loans.
WELLS FARGO (Wachovia Mtg.)-Jacksonville, FL 07/01-07/02
Residential Lending Specialist/Underwriter:
Manually underwrote construction loans and approved draw schedules based on inspections in relation to the completion of construction.
Had a signing authority of $750,000. Cross-trained on FHA and VA mortgage loans.
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