Manager Construction

CYNTHIA W. MADISON

**** ****** ******, ******, ******* 30114

678-***-**** / *****@**************.***

Resume Update: Recently received Life License in GA, FL & NC

WORK HISTORY

Citibank Financial Remote, Jacksonville, FL

February 2013-Current Position

Frontline Underwriter-Contract

Underwrite purchases, refinances and construction loans

o Conventional and Government

• Used DU, Citistandard other in house underwriter automated tools as well as manual

underwriting

• Displays expert knowledge of Conventional and FHA guidelines

• Issued Conditions and implemented Clear to Close after conditions had been met

Underwrite 2-3 files daily

Bank of America Contract - Charlotte, NC January 2012-January 2013

OCC Promontory Senior Auditor (contract position)

• Reviewed and analyzed all bank systems of records

• Researched documents and bank servicing notes for wrongful foreclosures

• Audited files for MHA HAMP, Fannie Mae, FHLMC and Proprietary loans

• Assured that the bank adhered to the state and federal laws and guidelines pertaining to the

Foreclosure process

• Analyzed income and foreclosed legal documents

• Acted as Team Lead training new employees

• Implemented and Recorded new policies and procedures for loss mitigation

Reason for Leaving: Contract ended 1/7/2013

Rate: $45/hour

RBS - Atlanta GA October 2011-January 2012

Frontline Underwriter (contract position)

• Underwrote purchases, refinances and construction loans

o Conventional and Government

• Used DU, LP as well as manual underwriting

• Displayed expert knowledge of FHA guidelines

• Issued Conditions and implemented Clear to Close after conditions had been met

• Underwrote 4-5 files daily - $1M signing authority

JP Morgan Chase - Jacksonville, FL November 2010-October 2011

Correspondent Frontline Credit Risk Underwriter

• Reviewed closed loans as Frontline Underwriter for Correspondent Lenders to insure Chase and

Investors Guidelines are met

• Review closed loans for deficiencies and fraud

• Responsible for clearing underwriting conditions – authority to $1M for approvals

• Analyzed income, credit, assets and appraisals to ensure loans meet all program and product

requirements for resale on secondary market

• Assisted in review of random files selected for Correspondent audits

Wells Fargo,– Birmingham, AL March 2010 to November 2010

Underwriter /Loss Mitigation (Interim Role)

Last Manager: Michelle Nolet

• Analyzed borrowers credit, income and months down for retention options

• Reviewed loans for FHA Modifications for SFTP1, HAMP, RPP, MODSFs or Permanent Loans

• Trained new employees on bank procedures and loss mitigation process

Apex Mortgage – Atlanta, GA September 2005-December 2009

Mortgage Frontline Underwriter

• Prime and Subprime Loans: Manual Underwriting Non Agency loans

• Performed reviews, restructured loans, and trained branches on new products

• Structured prime and sub-prime products to meet corporate guidelines

Homeowners Loan – Atlanta, GA May 2000-September 2005

Lead Mortgage Frontline Underwriter

• Underwriter for sub-prime loans

• Decisioned 6-7 loans per day

• Maintained monthly quotas of 80 loans per month

• Structured sub-prime products to meet company underwriting guidelines

• Obtained Lead Underwriter in 4 months

SKILLS

• Microsoft Office (Word, Outlook, Excel)

• DU/LP

• LPS

• MSP

• CALYX POINT

• GENESIS

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