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Manager Sales

Location:
Charlotte, North Carolina, United States
Posted:
June 13, 2018

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Jerri Cooney

**** ********* **** ********* **, **214

Cell phone 704-***-****

ac5u7x@r.postjobfree.com

QUALIFICATIONS:

More than 20 years of financial background, to include managing, training, motivating and mentoring.

Strong interpersonal and communication skills, having dealt with diversity of clients.

Self-motivated, able to set effective priorities and implement decisions to meet deadlines.

Adapt easily to new concepts and responsibilities due to changing markets.

Ability to work in Wholesale, Retail and Consumer lending effectively.

PROFESSIONAL EXPERIENCE:

October 2010 to January 2018: Accenture Credit Services (formerly known as Zenta)

Senior Underwriter, Retail Division - $1,000,000.00 authority

Sr. Mortgage underwriter known for strengths in risk assessment, Lending & Underwriting Guidelines, Credit & Income Analysis, Cash-Flow Analysis, Risk Assessment, Loan-to-Value Ratios, Debt-to-Income Ratios, appraisal review and valuation approval along with all documentation review Conventional, Conforming & Nonconforming Loans, ARMs, Loan Closing, Funding & Documentation, Account Service Excellence.

Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.

Underwrote and approved Loans based on Conventional, Fannie Mae, Freddie Mac, Manual Underwriting guidelines

Available to processors, closers and mortgage consultants for questions on specific loan files and interpretation of feedback reports from automated systems and manual complexed files

Issue final decisions based on the findings of FNMA, FHLMC automated systems, manual underwriting and convey decisions to operational and sales team members

Knowledge of all policies and procedures and the ability to communicate risks clearly and concisely through written and oral communications.

Review findings and documentation to insure compliance with agency and investor guidelines

Maintained credit quality scores of 97.66 or better

Restructure loans if necessary to find alternative solutions

Top 2 in class to be issued approval authority after 5 days on the floor

Qualified for the monthly and quarterly bonus 1st 30 days on the floor

March 2009 to September 2010: Bank of America

Senior Underwriter, Wholesale Division - $1,000,000.00 authority

Underwrote and approved Loans based on Conventional, Fannie Mae, Freddie Mac, Manual underwriting guidelines

Knowledge of all policies and procedures and the ability to communicate risks clearly and concisely through written and oral communications.

Restructure loans if necessary to find alternative solutions

Maintained credit quality scores over 98%

Review findings and documentation to insure compliance with agency and investor guidelines

Issue final decisions based on the findings of FNMA, FHLMC and investors automated systems and convey decisions to operational and sales team members

Effective communication with brokers on conditions, approvals and declinations

February 2008 - December 2008: Zenta Corporation

Senior Underwriter, $417,000 Authority

FHA underwriter for large National banks

FHA underwriter for large wholesale site

Expert knowledge of the FHA mortgage process and programs, as well as familiarity with Bankruptcy and Foreclosure process for a sector of lending including some FHA

Attended Mortgage Bankers Association workshop, Fundamentals of FHA and FHA Underwriting & Operations Workshop, both instructor-led

Underwrote and approved Loans based on Conventional, Fannie Mae, Freddie Mac, Manual Underwriting guidelines

Responsible for adhering to guidelines for both Retail and Wholesale markets

Products knowledge for multiple lending institutions

Restructure loans if necessary to find alternative solutions

2007 -2008 CIT – Wholesale/Retail Division

Operation Manager

Oversee new mortgage product & service development, as well as reviewing and recommending changes to existing product suite for continued enhancements

Expert knowledge of real estate lending products, regulatory compliance and underwriting guidelines

Supervise approximately ten employees (day-to-day supervision, training, coaching, and annual performance reviews) Processor, Closers and Mortgage loan officers

Manage third party relationships including conveyancing attorneys, appraisers, title companies, investors and mortgage software vendors

Oversee the daily processing of mortgage applications ensuring they adhere to credit union/investor guidelines

Make recommendations to SVP of Real Estate Lending regarding new vendors

Assist in building consistency in application of underwriting guidelines

Routine review of line work (re-underwriting of current pipeline loans and/or files reviewed by QC with multiple errors) to determine root cause of error(s) and provide coaching for related underwriter/manager to eliminate error(s). Report trending to senior management to address in training and communications

2002-2006 Wells Fargo – Wholesale Division

Production Team Lead

Supervised a team up to 18 employees providing daily direction to service both internal and external customers

Established work procedures and processes that support company and departmental standards, procedures, and strategic directives

Managed talent through coordinating and facilitating training and identifying development needs

Provided statistical and performance feedback and coaching, and administered performance reviews for skill improvement

Partnered with Human Resources with screening, interviewing, scheduling, and hiring candidates

Built partnership and worked collaboratively with internal resources and external vendors



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