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Customer Service Quality

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Posted:
October 24, 2018

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Resume:

Barbara Tsipliareles

FHA DE & VA LAPP/SAR Underwriter

**** ******** **., ******** *****, VA 23454

757-***-**** - ac7hb3@r.postjobfree.com

Objective:

Underwriting position with organization that has management capable of adjusting corporate structure to meet the demands of the mortgage industry with an atmosphere that expands my knowledge and benefits from my exposure/experience. Skill Summary: Retail/Wholesale/Correspondent Channels Appraisal review (FHA, VA, CPM/Condos, CU/UCDP), credit risk/asset/income analysis (1040 Sch C, E, and K1. 1065, 1120 and 1120s w/cashflow analysis), training, processing, pre/post-closing, auditing/fraud/due diligence/compliance, and secondary marketing (bulk and flow sales). 10+ years of experience with Encompass, Point, Byte, DU/DO, LP, GUS, and Microsoft Office. DE/ Chums ID DP70 issued 2008. Lapp/SAR/Credit Authority ID 015084 issued 2009. Work Experience:

Kinecta FCU - Remote Sr Gov't Underwriter 10/2017-11/2017 & 02/2018-current permanent hire

-Underwrite Agency, FHA, VA, and Jumbo/Non-QM programs to government and investor/Agency guidelines manually or through AUS.

-Work closely with processors and loan officers companywide.

-Lending authority $1,500,000.

-Developed VA Lending Matrix, created Kinecta VA mortgage product guidelines.

-Acquired VA Lender approval to add VA home loans to product line.

-Developed training for VA Lending procedures from origination to post closing.

-Assumed role as VA administrator and created corrective action protocol as part of VA audit/compliance standards. CrossCountry - Remote Sr Gov't Underwriter--05/2017-08/2017

-Underwrite Agency, FHA, VA, USDA, and state bond/grant programs to government and investor guidelines manually or through AUS.

-Work closely with processors and loan officers nationwide.

-Lending authority agency and county limits.

-Maintain pipeline with monthly average of 75-80 new underwrites (90% gov’t) and ensuring SLA requirements are met. AnnieMac - Remote Sr Gov't Underwriter--05/2013-04/2017

-Underwrite Agency, FHA, VA, USDA, Jumbo and state bond/grant loans to government and investor guidelines manually or through AUS.

-Work closely with processors and loan officers nationwide.

-Lending authority agency, county loan limits and investor jumbo loan limits as delegated.

-Perform second level reviews of new underwriters to ensure guidelines met and quality.

-Developed underwriter checklist for VA (Veteran’s Admin) loans and TN Bond programs.

-Companywide point of contact for VA underwriting, processing and scenario questions.

-Assist in clearing or rebutting investor and agency deficiencies.

-Underwrite a pipeline of 65 to 80 loans per month (40% VA, 35% FHA, 25% USDA, conv/jumbo/bonds) ensuring quality and SLAs. Amerisave - Remote Underwriter-TPO--10/2012-05/2013

-Underwrite Agency loans to corporate and investor guidelines through AUS.

-Work closely with Brokers, Banks and Credit Unions through third party origination department.

-Lending authority agency and county loan limits.

-Maintain an underwriting pipeline of 80+ loans per month while ensuring quality and turn times. Old Virginia Mortgage - VP of Underwriting--03/2011-10/2012

-Underwrite Agency, FHA, VA, USDA, and VHDA loans to government and investor guidelines manually or through AUS.

-Assist loan officers with challenging loan scenarios and attend sales presentations for real estate agents to build business relationships.

-Work with closing and post-closing to ensure loan quality meets investor and government requirements.

-Manage loans in underwriting pipeline to ensure quick turn time and quality customer service.

-Lending authority agency and county limits.

-Mentor and train underwriting and processing staff.

-Develop and update underwriting policy to ensure loan quality and performance.

-Work directly with investors, HUD and Veteran’s Administration to maintain and improve business relationships. Peoples Home Equity - Remote Sr Gov't Underwriter--04/2010-02/2011

-Underwrite Agency, FHA, VA, USDA, and THDA loans to government and investor guidelines manually or through AUS.

-Work closely with all investors to ensure loan quality meets purchasing requirements.

-Work with loan officers, AEs, brokers, closing department, processing and upper management to ensure quality and SLAs.

-Manage files in underwriting to provide quick turn time and quality customer service.

-Assisted loan officers and other underwriters including underwriting manager in scenario and guideline questions.

-Lending authority agency and county limits.

Numerica Mortgage - Sr Gov't Underwriter--06/2008-03/2010

-Underwrite Agency, FHA, VA, and THDA loans to government and investor guidelines.

-Work closely with all investors to ensure loan quality meets purchasing requirements.

-Work with loan officers, processing, closing and upper management to ensure loan quality and establish underwriting policy.

-Manage entire underwriting pipeline to ensure quality and quick turn time

.-Lending authority agency and county limits.

ComUnity Lending - Mortgage Master/Team Lead--10/2005-08/2007

-Underwrite Agency, Alt A, Non-Conforming, Subprime, Helocs and 2nd mortgages to investor guidelines manually or through AUS.

-Prepare closed loans for investor sales, including making any corrections needed due to investor deficiencies.

-Work closely with AEs, investors, brokers, closing agents and upper management to ensure loan quality.

-Lending authority $650,000 with MI delegation to issue mortgage insurance. Education: Cox High School 1988-1992



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