Customer Service Quality Control

Summary: I am a hard working financial leader. I have worked in the

mortgage industry most of my career, but have realized the area

I enjoy the most is accounting.

PROFESSIONAL HISTORY WITH EXPERIENCE SUMMARIES

10/12-2/14: Senior Underwriter: ISGN- Remote

* Performing conventional underwriting for home purchase transactions,

refinances, DURPs, etc

* Extensive review of Borrower's ability to repay, credit worthiness,

financial capacity, and collateral review

* Reviewing income all types of documents, complex tax returns, and asset

documents

* Calling out a preliminary decision and issuing applicable conditions to

complete the loan approval process

* Review incoming documentation to clear conditions

* Utilizing Fannie Mae's and Freddie Mac's AUS

* International Organization for Standardization (ISO) training/editing

* Excellent communication skills with clients/brokers and peers/management

* Well organized and high level of attention to detail

04/03-07/05 and 04/07-11/12: QC Underwriter: Adfitech- Edmond, OK

(Remote):

* Extensive underwriting knowledge including DU and LP loans, manually

underwritten and lender AUS loans, conforming/non-conforming products,

Conventional and FHA loans, Rural Development and HUD loans, stated

income products, jumbo and Community Homebuyer loans

* Identify mortgage fraud, either by the borrower, appraiser, loan

officer, title company, or any other party to the transaction

* Order private investigations when fraud suspicions are applicable

* Identify potential red flags in all aspects of the mortgage transaction

(occupancy, employment/income, appraisal, etc

* Review and calculate all income types, credit reports, asset

documentation, and appraisal reports

* Quality control auditing of mortgage loan files on a national level, to

determine lender compliance with approval requirements

07/05-09/06: Loan Officer: Allegiance Credit Union-

Oklahoma City, OK

* Mortgage loan origination with underwriting/approval authority

* Servicing functions, including customer service, account history review,

and selling loans to investors

* Chosen spokesperson at the Edmond Chamber of Commerce

* Visited perspective new employers in an attempt to gain credit union

exclusivity

* Cross-selling consumer loan products and new accounts

06/95-03/03: Mortgage Servicing/accounting: Weokie Credit Union-

Oklahoma City, OK

* Performed all mortgage servicing functions including the most basic

functions such as: payment postings, reversals/corrections, monitoring

account delinquency, credit reporting adjustments, granting requests to

waive late charges, prepare mortgage payoffs, generate account notices

(i.e. late charges, ARM adjustments, etc phone calls from customers,

etc...

* Performed more detailed servicing/accounting functions such as: escrow

analysis, payments of real estate taxes and insurance, reversal of late

charges upon receipt of bankruptcy notifications and 100% customer service

satisfaction

* Accounting functions, including balancing all mortgage related general

ledgers, investor cash accounting (actual/actual), and investor account

reconciliation

* Selling loans to Fannie Mae through Mornet system

* Interpretation of new mortgage legalities and implementing new computer

programs when investor requirements change (ex: PMI termination laws)

* Mortgage loan processing, including ordering flood certificates,

assurance of compliance with AUS requirements, data entry, VOEs, VODs,

etc...

* Prepared all outgoing closings with title companies and performed

internal closings and loan modifications

* Teller transactions, including deposits/withdrawals, balancing, opening

new accounts, etc...

1/94-5/95: Assistant Manager: Wendys International/Oxbow

Enterprises- Oklahoma City, OK

* Managed over 15-20 employees and hire new staff

* Trained employees in customer service, proficiency, safety and

increasing bottom line profits

* Scheduled sufficient staff to ensure consistent customer satisfaction

* Inventory control and implementation of employee pilfering techniques

* Cash control/bank deposits

HIGHLIGHTS OF SPECIAL ACHIEVEMENTS

--Nearly my entire career has been focused around the financial industry. I

enjoy this field and excel in complex financial situations.

--Enviable rapport with all members and peers. --Effective leader,

motivator, trainer, and worker.

--Outstanding get-it-accomplished attitude.

--Proficient command of Microsoft Word, Excel, Outlook, Lotus Notes, Blitz

docs, Mortgage Computer (MC),

FiServ, Lexis Nexis, Dunn and Bradstreet, Westlaw, Autotrack and

Choicepoint.

--Diligent studying and a great work ethic landed me as a top student upon

the completion of Adfitech's 6-8

week underwriter training program. As a result, I was placed in the most

demanding department, NPL.

--High quality work ethic helped me achieve being the first 'underwriter in

training' to achieve certification

with ISGN and instilled investor confidence in the lender's ability to

accurately review investment quality loans.

--Bachelors of Applied Science

LORI RHINEHART

1412 PINEHURST

EDMOND, OKLAHOMA 73034

CELLULAR: 405-***-****

E-MAIL: *****************@*****.***

Initiative...

Results driven...

Professional...

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