Mortgage Sales

Bea Lagares

856-***-**** ~ ********@*****.***

www.linkedin.com/in/bealagares

Summary

Mortgage professional with over 10 years of experience in the lending industry. Front-end, secondary market, funding, post-closing, and repurchase experience. Goal oriented and numbers are driven in a fast pace environment.

Experience

Radius Financial Group Mortgage Underwriter 07/2016 - 03/2018

Underwrote Correspondent Mortgage Loans to lender specific guidelines

Fannie Mae, Freddie Mac, USDA, Mass Housing and Conforming High Balance loans

Analyzed credit, income, assets, purchase agreements and title commitments

Worked directly with sales and processing team to expedite the loan process

Reviewed appraisal (CU, UCDP, and Early Check)

Secured mortgage insurance when required

Fannie Mae Underwriting Standard Specialist III 06/2013 - 06/2016

Evaluated closed loans for eligibility

Reported on Significant Defect and Informational Feedback letters to investors

Ability to evaluate and identify Misrepresentation and Fraud

Worked in QAS, QAS2, TAU, Darts, CPM, CU, Falcon

Fannie Mae Lender Lead 06/2009 - 06/2013

Second level reviews for underwriters

Assisted on Pilot Programs Initiative and Deep Dive Reviews

Assisted with operations of the underwriting team to insure consistency and quality

Review guidelines, tolerances, and thresholds for Repurchase Alternatives

Nation Home Mortgage/Genworth Mortgage Underwriter 2002 – 2007

Underwrote files for Fannie Mae, Freddie Mac, Countrywide, Wells Fargo and USDA

Conforming and non-conforming loan files

Cleared underwriting conditions and issued a clear to close on the file

Worked in DU/DO, LP, CLOUT, CLUES

Skills & Abilities

Certification in AML, Fair Lending, QM/ATR and Appraisal Review Education

The Art Institute of Philadelphia, Commercial Art, and Advertising

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