DE/VA Remote Underwriter
Resume:
VICKI MILLER
**************@*****.***
***** ******** ****, ********, ** 93551
CORE STRENGTHS
Strong understanding in agency guidelines
Proficient in compliance and quality control measures based on TRID regulations
Personal ability to train and mentor others in overall understanding of the industry
In depth knowledge to analyze, identify and offer restructure suggestions to sales associate
Self-motivated and require very minimal supervision due to understanding of urgency and delivery of SLA time requirements.
Experience
Pacific Funding Mortgage Division Valencia, CA
Operations Manager 08/2015 – Current
Currently have made immediate assessment’s in the day to day operations department, as well as the current LOS system challenges that have had a lingering impact on the overall success of the office. I am continuously working with each department to develop a baseline of minimum acceptable standards based on both agency and investor guidelines. We continue to make changes in finding better ways to meet the needs not only of our clients, but as well strengthen the quality of our file flow and ultimately our closing packages. In addition, I continue to actively back up the underwriting department by reviewing and underwriting rush requests. Actively support the post-closing department that has allowed me to make adjustments on the front end to avoid and compensate for different trends on the back side.
Current product line consists of Conventional, FHA and VA lines of business with the majority of our closing within the purchase market.
Venta Financial Group Las Vegas, NV
Underwriting Team Lead/Asst. to Chief Operations Manager 05/2014 – 08/2015 Not only was I a dedicated team lead that was responsible for the day to day loan decisions rendered by my team to meet SLA timelines. I played an active part in reviewing the consistency of the underwrites as well as spot checked to identify trends identified on transactions. In addition to my daily underwriting capacity, I was identified as the team lead on the compliance changes expected in October of 2015. I worked daily making sure that all the program guidelines were strictly followed and signed off each of the
Bank of America Las Vegas, NV
DE Underwriter 04/2012 – 03/2014 – (Site Closure) Purchase Site Responsible for the overall integrity of the loans assigned to my daily queue of assigned loans. I recalculated and reviewed all income, asset, and credit documentation to insure that all documents were accurate and sufficient to meet the required associated category. Conditioned each loan as it related to the required program, streamlining and minimizing if possible to eliminate repetitive requests. Our division was part of an internal mentoring program, allowing the underwriting team to train and assist the upcoming HSS processor’s with their own personal signing authority. My team was dedicated to the government purchase market that handled the overflow from the refi team, allowing our focus to always be the close of escrow date, and insure quality service to our sales team.
(Took about a year off when we relocated to Las Vegas and worked at a small broker shop) Franklin American Irving, TX
Sr. Underwriter 11/2010 – 04/2011 – Temporary Assignment Involved the loan decision process on all types of loan transactions. My signing authority was set to a 3 million loan amount with the ability to issue delegated MI Certificates. I was associated with the Wholesale Line of Business and therefore received 3rd party originated loans from various approved brokers. Data was checked for accuracy, income and re-calculated for qualifying purposes.
Bank of America Chandler, AZ
DE Underwriter 07/2009 – 11/2010 – (Site Closure) Wholesale Line of Business Party of the wholesale line of business that would receive 3rd party loan submissions that were both conventional as well as government loan programs. We offered various first time home buyer programs worked with each applicant with their own individual situation and offered the best financial opportunity to meet their needs. Followed all internal business practices with regards to quality control needs and credit measures. (Unfortunately, B of A closed their wholesale line of business at this time) SKILLS
Guideline Proficient
Computer Proficient on multiple LOS systems and applications
Understand the importance of urgency and delivery of loan decisions and conditional reviews
Always open to improving best company practices
DE Underwriter – CHUMS U-937
Conventional as well as Jumbo Signing Authority for Portfolio Product Line Wholesale UW Experience
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