Manager Sales
Resume:
Resume of Amanda Kay
>
> **** Falcon Chase
> Concord NC
> 28027
> 704-***-**** or 980-***-****
> ******@***.***
>
> Summary of Qualifications
> Well qualified in the mortgage industry with over 18 years of successful experience in
operations positions, management, Senior Loan officer residential and commercial, and
training, with increasing responsibility and duties as well as sales and marketing and call
center management.
> Well versed on all products from FNMA, FHLMC, HUD/HUD-1 guidelines, FHA, VA,
Conventional, USDA, Commercial, and New Construction
> Able to act as a liaison between clients and operations/sales with a large pipeline of
home loans
> Team player with polished communication skills: verbal, written, interpersonal,
presentations, and rapport building
> Update to date with all underwriting guidelines from conventional to government
lending
> Knowledge of underwriting procedures, creditor financial analysis techniques and
investor requirements
> DU/LP experienced and including manual underwriting mortgage loans
> Multi task and able to meet deadlines / self-motivator
> Work efficient and effectively under stress
> Capable of accomplishing difficult work tasks set
> Prioritizing and organizing with workload comes easily as to aid in handling multiple
tasks
> All aspects of Microsoft Office: Microsoft Outlook, all internet capabilities, Microsoft
Excel, Word, Access, Internet Explorer and Windows XP
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> WPM 45+
>
>
> Experience
Vantage Point Bank
May 2013-current
Senior Loan officer
>
> Amerisave Mortgage Corporation
> September 2012-May 2013
> Processor
> Conventional, Government
> Income verification, pre underwriting, Du, LP, AUS,
> appraisal validation, ordering, title review, ordering all conditions for conditional
underwriting approval, rate extention and relock. All preclosing functions
>
>
> Bank Of America March, 2011- 9-2012
> Customer Relationship Manager
> â Non Gse, Hamp, Non Hamp, load modification procedures for programs such as
Making Home affordable and others, based on the qualifications of the client.
> â Reviewing financials, credit, past history, present history of employment,
unemployment, and obtaining all documentation from start to finish of the modification
process.
> â Foreclosure postponement, short sale, and DIL.
> daily reports and spreadsheets.
> pipeline of 140 files plus
> designated point of contact for client.
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>
>
> Great American Travel Company July, 2009- February 2011
> Office Manager
> Running all aspects of inside sales, customer retention, promotions, and outside
contracts, and vendors.
> Handle all weekly goals, sales reports, closing the sale, training, customer retention,
commission reports
>
> American One Finance April, 2008-June,2009
>
> Office Manager/ Senior Loan officer and trainer
> Responsibilities included processing up to 25 loans per month while also supervising
other loan processors
> Reviewing, examining and processing real estate and consumer loans to ensure
soundness, business value and compliance with Investor standards
> Evaluating debt ratio, loan-to-value ratios, credit score, property valuation and various
other factors
> Order and review credit reports, title commitments, appraisals and flood certifications
> Reviewing, inspecting and validating standard Loan Applications for completeness,
accuracy and soundness
> Following established parameters, rules and practices
> Resolving a variety of conventional problems, questions and/or situations in accordance
with established criteria, practices and/or protocol
> Reviewing and evaluating data to ascertain loan viability and identify risk issues and
potential fraud
> Reviewing lease loan documents for accuracy and preparing for closing
> Preparing closing documents for residential real estate loans
> Working closely with the Title Company to ensure a smooth closing
> Review loan payment history and resolve any problems
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> Distributing daily and weekly reports
> Marketing new clients residential and commercial
>
> Foundation Mortgage May, 2007- April,2008
> Sr. Loan Mortgage Processor / Sr. Loan Officer
> Marketed call center leads and outside agents for new clients residential and commercial
in all states and 2 separate countries.
> Met with clients face to face prepared all applications and pre approvals also responsible
for most processing functions.
> Processed and prepare closing for conventional, government loans, and home equity
loans (purchase, refinance)
> Reviewed the application files to ensure thorough documentation completion as well as
to ensure compliance requirements
> Performed the preliminary underwriting decision and submit the file to contract
underwriters who were primarily responsible for providing the final underwriting approval
> Worked with customers, loan officer, title companies, escrow agents, surveyors and real
estate agents, to provide excellent customer experience and at the same time to obtain
additional documentation
> Registered loans and reviewed rate lock in accordance with policies and procedures
> Set up files, ordered and reviewed all necessary exhibits for appraisals, title
commitments and credit reports
> Resolved any discrepancies with title commitments, appraisals, credit reports, and any
other documents
> Managed pipeline report
> Handled complex files
> Trained new processors
> Supervised new processors and opener
> Assisted the Compliance Department, in tracking HMDA information
> First Western Mortgage April, 2002- February,2007
> Operations Manager - Owner
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> Oversee the a team of processors and loan officers
> Handled all office duties from: Employee issues, hiring, terminating, training,
advertisement, marketing leads for new loans and clients, dealt with all vendors who
would be a part of the loan process
> Insuring that the application data is complete and meets establishment standards and is
compliant with state and federal regulations
> Perform verifications such as income, asset, employment, eligibility, CAIVRS, and
GSA/LDP
> Run DU and/or LP to insure that loan is viable
> Underwriting and performing analysis to assist in credit decision process for multi-
family, single-family and new home construction loans
> Preparing Credit Approval Packages for submission to investors for approval
> Assist in the day-to-day operation of the loan center
> Ordering and reviewing title commitments, title policies, appraisals and credit reports
> Maintaining accurate documentation of oral and written correspondence with customers
> Responding to and resolving customer problems in a professional, courteous and
efficient manner
> Assist Processors and Loan Officers with organizing their pipeline and meetings with
potential customers
>
> Freedom Financial Service September, 2000- December,2002
> and Loan Officer and processor
> Responsible for all marketing and obtaining new clients residential and commercial and
also retention of clients such as builders, investors, and all others.
> Processed all files for the office such as FHA, VA, USDA, New Construction and
Conventional
> Insuring that the application data is complete and meets establishment standards and is
compliant with state and federal regulations
> Perform a disclosure review to insure all state and federal disclosures are executed
properly; confirm that the DTI & LTV are within tolerance guidelines
> perform verifications such as income, asset, employment, eligibility, CAIVRS, and
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GSA/LDP
> Run DU and/or LP to insure that loan is viable
> Order title work, appraisals, final inspections, surveys, hazard and flood insurance, and
tax transcripts
> Submit loan to underwriting
> Gather and submit approval conditions
> Prepare final fee sheet and/or doc order forms
> Approve the final HUD-1
>
Amanda Kay
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