Real Estate Project
Resume:
AnnMarie Dion
Coral Springs, FL 33076
e-mail: ********.****@*****.***
http://www.linkedin.com/in/annmariedion
PROFESSIONAL EXPERIENCE
Opus Capital Markets ( October 2013 - Present)
Bank of America and Chase; perform re-underwrites, and compliance reviews for pools of jumbo and conforming loans. Member of the FNMA team that reviewed loans for credit and compliance that were originated in the prior 90 days. Perform in-depth compliance reviews on loan pools prior to securitization. Develop and prepare detailed reports and gather supporting forensic documentation for non-performing portfolios. Review for accuracy and completeness to be used in litigation.
LenderLive (June 2013 – August 2013)
Sr. Mortgage Underwriter - Frontline
Perform extensive credit and collateral reviews of real estate loan files. Underwrite an average of 3-4 files per day and communicate with clients to structure loan files within guidelines and in regulatory compliance. Experienced in analyzing complex personal and corporate tax returns. Strong analytic skills to independently make credit decisions, including problem solving skills. Ability to work in high volume and fast-paced environment. Formal credit training.
Venta Financial (February 2013 – May 2013)
Mortgage Underwriter - Frontline
Perform extensive credit and collateral reviews of real estate loan files. Underwrite an average of 3 files per day of first FNMA, DU. Collaborate with loan officers to structure loan files that are with guidelines and regulatory compliant. Thorough understanding FNMA, FHLM and FHA guidelines. Experienced analyzing complex tax returns and financials. Strong analytic skills to independently make credit decisions, including problem solving skills.
Platinum Mortgage (August 2012 – February 2013)
Wholesale Sr. Mortgage Underwriter - Frontline
Underwrite an average of 3-4 files per day of first FNMA, DU. Communicate and worked with brokers to structure loan files compliant with guidelines. Implement changing overlays to ensure quality files meet investor, FNMA, and FHA guidelines. Worked in remote setting.
Accurate Risk Management - FL (April 2008 – August 2012)
Owner - Frontline Mortgage Underwriter & Due Diligence Manger – Bank of America, GMAC Project & US Bank Projects
Perform extensive credit and collateral reviews of real estate loan files.
Supervise a team of 5 underwrites to ensure daily productions goals were met and loans delivered to clients were compliant federal agency guidelines and automated findings of DU and LP. Collaborate with brokers to structure loan files that are compliant and were saleable to government agencies.. Review mortgage loan portfolios to identify elements of fraud. Provide SME services to legal representatives. Determine the value of performing and non-performing mortgage loan portfolios. Determine if loans were compliant and underwritten to guidelines. Worked in remote setting.
Mela Capital Group, Inc. - FL (April 2011 – October 2011)
V.P. Business Development / Business Analyst (Consultant) – Bank of America Project
Solicited lenders to offer quality control and overall risk management services offered by the company. Managed Loan Auditing Operation/projects. Became SME to IT and third party vendor to developed saleable software package for use in forensic mortgage audits/reviews.
Ace Risk Evaluations (August 2010 – May 2011) – GMAC Project
Underwrite for a major mortgage lender. Project required an in depth analysis of compliance, credit, income and collateral. Authority to fund loans upon completion. Additional responsibilities include mentoring junior staff members. Worked in a remote setting.
MORGAN STANLEY (Capital Markets) – Boca Raton, FL (Oct. 2005 – April 2008)
Mortgage Business Analyst
Manager and the senior credit analyst in the 8 person Repurchase Management Group
Was SME to the IT team in the development of pipeline management, forecasting and a variety of other business related issues.
Interfaced with business users to prepare and update Business Process Requirements (BPR) and Software System Requirements (SSR). Created test cases.
Determined user/business/functional requirements. Performed GAP and Risk analysis of existing system and evaluated benefits of new system.
Maintained relationships with internal teams and counter parties to negotiate and repurchase claims, with a purchase balance of $201,420,853.98.
Proactively pursued and collected 267 Monetary Claims, with a purchase balance of $77,008,030.73.
Maintained the Master GAP Analysis Report consisting of approximately 428 approved conduit counter parties.
Analyzed data tapes of pools of mortgage loans, for the trade desk.
FLAGSTAR BANK – Wakefield, MA (Feb. 2002 – Oct. 2003)
Loan Underwriter - Wholesale
Managed a monthly loan pipeline of approximately $5,000,000. Underwrote an average of 10 files per day of first and second agency paper loans using DU and LP and traditional underwrites.
Visual Data Corp. – Ft. Lauderdale, FL (May 2000 - Feb. 2003)
Online Financial Business Editor
Provided all the financial background to produce a financial news broadcast.
Initiated, designed and managed an aggressive e-mail marketing campaign to brand the web site.
Identified prospective strategic partners and developed strong affiliation relationships.
Assisted executive teams with establishing and executing Non-Disclosure Agreements and contracts.
GMAC MORTGAGE – Ft. Lauderdale, FL (Oct 1997 – May 2000)
Mortgage Loan Sales/Originator Awarded Top Performer in every Quarter
Funded approximately $800,000 per month in first and second mortgages.
Aggressively marketed to real estate agents, state and local governments and community organizations. Completed all requirements to become Certified Desktop Underwriter and GMAC Family First Loan Officer.
EDUCATION
Florida Computer and Business School – Pembroke Pines, FL
E-Commerce and Web Design Diploma
Strong PC skills, including Microsoft Windows, MS Word, MS Power Point, MS Outlook, MS Excel / Certified, Type 55 WPM. Basic skills in HTML. Fast learner and enthusiastic to develop new skills.
Previously Held Series 7 and 63 licensing
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