Mortgage Real Estate

Andrea J. Wurth

**** ******* ****** ********* *****, CO 80129 720-***-**** ***********@*******.***

Skills

Over 10 years of knowledge of real estate contracts, disclosures, applications, and credit reports

Real Estate contracts, zoning applications, leases, sublets, title searches, and mortgage documents

Skilled Paralegal with filings, compliance, spreadsheets, research and writing

Proficient in most legal and mortgage software’s, Tableau, Lexis Nexis, WestLaw, DU, LP, AU, and All-Regs

Proficient in all Microsoft products including Outlook, Excel, and Word including tables, graphs and charts

Knowledge of regulatory laws (All-Regs) and underwriting guidelines, clear suspense items, and audits

Excellent problem solver, troubleshooter, detail oriented, organized and client support

Project management and development, training, and Notary Public

Experience

FirstBank 1/2018 – Present Lakewood, CO

Underwriter

Review of mortgage applications, credit reports, appraisals, state and federal disclosures, compliance and mortgage documents for consistency and accuracy.

Review of all loan documentation submitted, included but not limited to analysis of loan application, credit, income asset, and liability documentation to calculate the risk assessment.

Conduct risk analysis and exercise judgment based on experience to approve or deny loan files and ensure that loans meets the various loan program requirements in order to successfully resell the loan on the secondary market.

Utilize Tableau for notification and conditions.

Enter conditions on an Excel document and manage through Excel.

Envoy Mortgage 7/2015 – 10/2017 Centennial, CO

Underwriter

Review of all loan documentation submitted, included but not limited to analysis of loan application, credit, income asset, and liability documentation to calculate the risk assessment.

Conduct risk analysis and exercise judgment based on experience to approve or deny loan files and ensure that loans meets the various loan program requirements in order to successfully resell the loan on the secondary market.

Verify data entry in mortgage operation system LOS, DocuFlow, and AUS findings are accurate.

Underwriting of mortgage loans using guidelines based on investors specifics.

Assist in continued training of junior underwriters and underwriting support staff.

Clearance of all prior to doc conditions to ensure loan quality and smooth closing process.

Assist in clearance of suspense items for individual end investor.

Continuing training of internal customers to ensure external customer satisfaction.

Contact external end investors for difficult scenario questions in order to determine the salability of mortgage loans.

Underwrote Bond loans and HomeReady product loans.

Knowledge All-Regs and also Freddie Mac and Fannie Mae seller guides.

Heritage Bank 12/2014 – 7/2015 Greenwood Village, CO

Processor

Processed Conventional, FHA, and VA loans

Gathered documents based on guidelines and composed files for underwriting

Contacted agents, companies, or anyone needed to get the documents required by underwriting

Followed loans all the way through closing to insure a smooth processor to the customer

Worked with several loan officers and brokers to complete conditions and loan packets

Explained conditions from underwriters and stacked conditions in file order

Submitted completed packets to underwriters for final approval

Submitted file to closing and completed closing conditions

Processed files from start to finish and managed over 200 loans in pipeline at a time

Black & Veatch 4/2014 – 12/2014 Greenwood Village, CO

Site Acquisition Specialist/Paralegal

Drafted contracts and negotiated agreements between AT&T and outside vendors.

Managed cell tower sites and updated sites as needed per site agreements.

Pulled title reports and zoning for negotiation agreements.

Reviewed agreements, Notarized documents, surveys, and documents as needed.

Cherry Creek Mortgage 7/2011 – 12/2013 Greenwood Village, CO

Paralegal July 2013 – Dec 2013

Drafted contracts and correspondent agreements per legal review and coordinated negations of terms

Filed and uploaded compliance documents to the NLMS and Secretary of State website for various states

Coordinated with departments and branch locations to assist with branch license renewals and lease tracking for over 70 locations.

Acted as legal liaison with department managers to update corporate documents and information for audits, contracts, new investors and warehouse lines

Supported VP of Capital markets with the completions of correspondent investor agreements

Drafted board resolutions, agreements, and documents for board meetings and signatures

Litigation support for the general counsel when needed: This included coordinating efforts with outside counsel, legislative support, trademark filing, corporate disclosure, lawsuit maintenance and tracking of corporate proceedings

Property management for properties owned by the company

Update company intranet site with corporate information, regulatory laws, company directory, helpful links, license renewal sites and requirements for renewals

Assisted with preparation of disclosures for mortgage license renewals in the NMLS

Assisted with loan officer licensing, On-boarding, and Off-boarding through NMLS and company systems

Assisted with scheduling appointments and office meetings by using Outlook Calendar and Tele Management

Compliance Analyst July 2011 – July 2013

Carefully reviewed mortgage disclosures and documents to ensure they complied with State and Federal regulations (Fair Lending Laws, Dodd Frank, HUD, Freddie Mac and Fannie Mae, etc.)

Built and initiated re-disclosure training and processes for over 600 Loan originators based on compliance laws (RESPA, TILA, HMDA, ECOA, etc.)

Expert knowledge of compliance and regulatory laws

Assisted Vice President of Compliance with CFPB preparation and audit support

Created daily checklist for disclosure team to use

Created daily process and jobs for disclosure team including setting up Outlook public folders and a separate ‘Disclosure Team’ email address for better organization

Created a new loan and disclosure tracking spreadsheet used by all departments

Trained disclosure team on new process and worked with each of them to individually set up their Outlook Inbox and new daily procedures

Helped grow compliance department from two employees to over fifteen employees

Problem solved system errors or calculation errors on disclosures

Excellent under pressure and able to multi-task efficiently

McDonalds, USA 4/2011 – 6/2011 Denver Tech Center, CO

Paralegal (Temporary position with staffing firm)

Project manager and coordinator for corporate files in corporate office move.

Reviewed Real Estate and Construction file documents to organize, simplify, and re-create files.

Reviewed site specific documents to see if specific zoning requests were needed for additions.

Created a new real estate or construction/real estate files.

Re-stacked and scanned files with only pertinent documents.

Indexed all corporate files in Excel spreadsheet to optimize search ability and organization.

Managed corporate files, created detailed spreadsheets of each file and following retention policy.

Cherry Creek Mortgage 7/2010 - 3/2011 Greenwood Village, CO

Underwriter Assistant (Started with Staffing firm and was hired on as permanent employee)

Reviewed mortgage applications, credit reports, appraisals, state and federal disclosures, compliance and mortgage documents for consistency and accuracy.

Final approved and prepared for closing over 100 loans each month.

Managed over 300 underwriter files in pipeline each month between four underwriters.

Received and cleared minor conditions for entire underwriting department and located files for underwriters.

Uploaded files from origination software (Calyx Point) to corporate mortgage software (Relay) and import errors.

Assigned to work with the highest producing underwriters to review and sign off of their conditions, re-calculate fees or income if needed, add notes to the system, and prepared for final approval.

Trained underwriters on new paperless system and scanned files to paperless system.

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