Customer Service Manager

Tami L Cudahy

Mobile: 469-***-****

Email: ****.*********@*****.***

NMLS License 167157

CITI MORTGAGE 8-2013 to Present

Houston, TX

Sr. Mortgage Underwriter

Performs a variety of mortgage loan documentation duties on conforming loan packages and complex loans, using

comprehensive knowledge of policies and procedures for loan products.

Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or

loss. Relies on extensive experience and judgment to plan and accomplish goals.

Reviewing and analyzing loan applicants' credit histories, financial statements, and other financial information to make

quality decisions on loans.

Working with team members to identify potential solutions/exceptions for denied loan files.

Interpreting and analyzing complex tax returns and financial documents.

Demonstrating ability to comprehend program changes and new program guidelines; Implement new changes in daily

production immediately with minimal error rate.

Interpreting investor guidelines and utilize system expertise to maintain a QC passing rate of greater than 90%.

Providing superior customer service to both internal and external customers.

Maintaining knowledge of available loan products.

Staying up to date on program and investor guidelines.

Adhering to confidentiality standards as outlined by security policies.

Utilizing DU and LP underwriting systems.

Using a computer to enter, access, and retrieve financial data.

Developing constructive and cooperative working relationships with others, and maintaining them over time.

Actively participate in discussions to help the department run more efficiently

WINGSPAN LENDING 2013

Dallas, TX

Sr. Mortgage Loan Officer

• Originates residential mortgage loans through solicitation and developing relationships with real estate professionals,

builders, and other business referral sources to maintain a quality network of business relationships that serve as recurring

sources of referrals for new mortgage lending opportunities and growth for the bank.

• Develops and executes marketing plan based on monthly and quarterly production standards. Works with manager to

constantly improve performance and exceed minimum monthly standards as set forth in the compensation schedule.

• Conducts interviews with prospective borrowers to analyze financial and credit data, determines customer financing

objectives, advises customer on product/pricing policies and guidelines, and gathers all additional required information in

order to complete an error free disclosure to the customer. Analyzes the various mortgage products available to the customer

based on the information provided. Employs independent judgment and discretion to recommend a particular mortgage

product or products that are suitable for the customer’s financial situation and consistent with the customer’s overall financial

goals.

• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and

regulatory requirements, demonstrating a commitment to professional ethics and complying with all Federal and State

compliance policies.

• Obtains all required documentation as required (i.e. appraisals, title reports, financial information, pulling credit), by taking

complete applications, analyzing information and is accurate with supporting documentation to allow a seamless disclosure,

process and approval on the loan file.

• Maintains overall responsibility for the loan file and documentation through processing underwriting, closing, funding and

post-closing by following the transaction through to its conclusion.

• Comply with all the requirements of the SAFE Act regulations including registration and renewal rules defined by the bank

and consistently remains in compliance with all federal and bank regulations for assigned job function and apply those

standards to job responsibilities.

BANK OF AMERICA/CORE-LOGIC 2012-2013

Westlake, TX

Loss Mitigation Underwriter/ILQA Auditor

Responsible for reviewing, analyzing, and recommendation of UW decisions of difficult and complex modification requests

for accuracy, completeness, and compliance with appropriate company and secondary market investor standards, as well as

fraud detection and prevention

Evaluates credit decisions for accuracy based upon established risk parameters and in accordance with policy program, and

product guidelines, compliance and risk analysis

Responsibilities include examination of several types of lending (FNMA, FHLMC, FHA and VA; Home Equity, as well as

Hamp, Non-Hamp GSE, DOJ, SFO and HFI

Possesses thorough understanding of the origination, processing and servicing involved prior to the underwriting stage

Functions include reviewing financial statements, income documentation, and credit reports (in a paperless environment) and

applicable ratios (i.e. Debt ratios, loan-to-value) Examining modification transactions to ensure accuracy and

completeness Preparing formal reports for review Ensuring that documents are consistent and uphold to company and

industry guidelines Implementing fraud detection techniques, performing compliance review

Assists team in gathering and organizing data that helps track, report and manage internal control gap issues and mitigation

plans

Requires substantial knowledge of operating policies and procedures, works with internal customers to establish and perform

quality control, and assists with analysis and development of UW recommendations

Additional responsibilities include regular statistical reporting and undertaking audits to ensure compliance with control

procedures, as well as working with internal QC/QA partners and business partners

JPMORGAN CHASE 2011-2012

Dallas, TX

CA Ops Specialist/Default Mitigation/Underwriter

Researched and responded to internal inquiries from CA Specialist regarding issues such as missing documents, ordered

certain third party services and reviewing "specialty flags" in DWS

Verified Mortgage Modification Documents packages when needed, initiated missing information letters using existing

templates/form letters, ordered Broker Price Opinions, Credit Bureau Reports and Escrow analysis

Ensured documents received by CA Specialist, Underwriting and/or Customer were complete and accurate

Facilitated the gathering of underwriting documents both pre-and post-Underwriting decision and QC review

Analyzed trial plan account document detail, plan breaks (including missing documents and payment issues on loans), inf

Monitors systems for trial payment adherence during trial period before process control submits loan to Closing team for

conversion to permanent modification of plan break

Proficient with all DTI calculations

TEXASLENDING.COM 2009-2011

Dallas, TX

Sr. Mortgage Loan Officer: MLS #157167

Developed an extensive pipeline of Purchase and Refinance transactions from advertising generated leads

Responsibilities included collecting and analyzing financial information to determine which mortgage product would

meet customer’s specific purchase or refinance needs

Thorough knowledge of JUMBO, CONV, FHA and VA mortgage underwriting guidelines and procedures

Strong skills and abilities to develop business relationships

Proficient with a variety of Underwriting systems such DU and LP and origination systems Point and Encompass

Excellent ability to counsel, advise and provide first class customer service

Experience with new 2010 GFE requirements Safe Act

Ability to work effectively in a team-oriented environment as-well-as independently

Familiar with electronic application software (A-la Mode/Sure Docs) and paperless loan documentation

Comprehensive understanding of underwriting mortgage guidelines

FFA MORTGAGE CORPORATION 2001-2009

Florida

Sr. Mortgage Loan Officer/Branch Owner

Top Producer of Residential Mortgage Loan production nationwide for Purchase and Refinance transactions

Developed a constant pipeline of business by managing incoming and self-generated leads and personal networking

efforts. Sources included realtors, builders, developers, financial planners, CPA’s, relocation managers and existing

clientele

Managed the clients and prospects through the company’s lead management systems in relation to the outsourced

advertising and marketing strategy

Responsible for oversight of the LPA (Loan Production Analyst) and Funding Department in respect to the closing and

completion of each loan file. Increased profitability by 150%

Structured qualified loans according to the guidelines and policies of the company using financial models and proprietary

underwriting guidelines for FNMA, FHLMC, VA and FHA mortgage loans that are sold to the Secondary market

Customized loan programs tailored to meet the financial needs of individual clients by reviewing credit reports, analyzing

financials, and performing underwriting of income versus debt, and combined asset worth

Consistently exceeded quarterly/monthly loan volume and business development goals in addition to critical financial

goals set by the CFO

GMAC 1999-2000

Bellevue, WA

Sr. Mortgage Underwriter, Processor, Closer

Responsible for all functions of the mortgage loan process from receipt of the loan application file through funding of the

completed loan transaction; including First Mortgages for Conventional, FHA, and VA, as well as Rural Development

and Bond Programs

Coordinated efforts for each loan using strong critical and evaluative thinking to make risk based decisions regarding

Loan Approval per secondary market guidelines, policies and laws pertaining to all closing documents for all FHA, VA

and Conventional mortgage programs. Strong closing and compliance background

Consistently completed the loan process with minimal supervision, and ranked highest in 100% accurate closed loan files,

per auditing guidelines for FNMA and all secondary market regulatory governing entities

KITSAP BANK 1998-1999

Silverdale, WA

Sr. Mortgage Loan Processor/Closer/Manager

Reported to Vice-President of Kitsap Bank and Mortgage Operations Department to ensure accurate and timely

processing and closing of Mortgage Loans originated by field mortgage originators, at Two Branch Locations

Customized loan programs tailored to meet the financial needs of individual clients and customers of the Bank

Expertly handled Custom Construction, Spec Construction, Purchase and Refinance transactions. Exceeded all goals for

cross-selling all bank products. Responsible for compliance in the closing process of all FHA, VA, and Conventional

Mortgage transactions as well as preparation for all HUD funding and legal review of all First Mortgage transactions

AMRESCO RESIDENTIAL MORTGAGE 1997-1998

Bellevue, WA

Sr. Account Manager/Officer Operations Manager/Jr. Underwriter

Executed all Quality Control standards for RESPA and CRA Guidelines

Managed the process of loan applicant’s requests thru approval and funding of their Residential Mortgage Loans

Developed communications strategies to enhance the service and expertise of office staff and mortgage originators in the

field

Prepared First Mortgage Loan Packages for Corporate review and analysis of borrower’s credit and financials, property

and project details, and the strengths and weaknesses of the loan opportunity with full disclosure. Responsible for review

and compliance of all First Mortgage transaction for FHA, VA and Conventional Loans

FIRST COMMUNITY BANK 1994-1997

Lacey, WA

Sr. Mortgage Loan Office/Compliance Specialist

Consistently Top Producing Loan Officer in loans and revenue for the Residential Mortgage Loan Division

Responsible for the personal development of key referral sources via direct contact and interaction with realtors, builders,

developers, account holders, past clients and community government. This in turn increased the capture ratio of local

mortgage business by 65%

Coordinated quarterly networking functions to meet and educate prospective clientele in the community in support of the

FDIC’s CRA (Community Reinvestment Act), producing the highest 5 Star FDIC Rating in this category for the Bank

Exceeded Quotas for loans closed, revenue production, and cross selling of bank products every quarter for 12

consecutive quarters

Specialized in Business Development with area builder’s need for Custom and Spec Construction Loans, along with

“Take-out” loans sold to the Secondary Market once construction was complete

Originated and Closed over $50,000,000 in loans per year, exceeding all expectations of the Bank’s Board of Directors

FIRST COMMUNITY BANK 1991-1994

Lacey, WA

Residential Construction Operations Manager/Sr. Underwriter & FDIC Compliance Officer

Selected by CEO to establish a Construction / Residential Mortgage Division of the Bank; including FHA, VA and

Conventional First Mortgage Loans

Reported directly to CEO and Vice-President of the Bank in establishing lending procedures and practices in compliance

with the Bank governing body FDIC

Carried out Supervisory responsibilities in accordance with the bank’s policies and applicable laws. Responsibilities

included interviewing, hiring, and training employees; planning, assigning and directing work; appraising performance;

addressing concerns and resolving conflicts to enhance each employee’s career goals and attribut

Exceeded all expectations as set forth by FDIC Compliance Auditing and Accounting guidelines; as well as State

regulatory agencies

Received highest “5 Star Rating” in Compliance and Accounting procedures from FDIC on all loans closed and serviced

by the Bank. Responsible for all legal and compliance review for FDIC, FHA, VA, FNMA and FHLMC standards for

closed mortgage loans sold on the secondary market

Responsible for Structuring Borrower’s and Builder’s Financial Packages to present to the bank’s Loan Committee each

week with recommendations for each loan opportunity

STERLING SAVINGS & LOAN 1988-1991

Lacey, WA

Sr. Mortgage Loan Processor/Closer

Responsible for Mortgage Loan Applications from initial contact through closing, funding, and shipping to the Secondary

Market investors including FHA, VA, FNMA and FHLMC

Managed Accounts Payable/Receivable and Trust Account Reconciliation per FDIC Accounting guidelines

Coordinated Operations with various departments to ensure accurate and timely processing and closing of 50 – 60

mortgage loans per month

NORWEST MORTGAGE CORPORATION 1984-1988

Federal Way, WA

Sr. Mortgage Loan Processor

Managed 35 – 50 Mortgage loan transactions including FHA, VA, Conventional Mortgage programs from application

through closing

Coordinated team efforts to increase timely closings and compliant files

Set Procedures and Policies for review with loan officers and realtors to enhance customer service and market share

EDUCATION

CALIFORNIA LUTHERAN UNIVERSITY-Bachelor of Science in Business Administration and Financial Management

SKILLS

Strong oral and written communication skills as well as excellent interpersonal skills

Excellent problem solving and analytical skills

Thorough understanding of FHA, VA, and Conventional Underwriting Guidelines and Compliance for Safe Act

Ability to assess an individual's creditworthiness and complex financial documents; while adhering to all regulatory and

compliance requirements, and recommend credit decisions

Self-motivated and Commitment to teamwork

Ability to meet production, quality and service standards and to work in a fast-paced, high volume environment while

practicing sound lending

Extensive experience with Microsoft Office Suite and use of Paperless Environment using Adobe Acrobat including

document creation; scanning, and storage

Experienced in extensive Automated Underwriting systems experience including Desktop Underwriter and Loan Prospector

and origination systems including Calyx Point, Byte, Encompass

Contact this candidate