Cynthia J. Howell

**** ******** ******

College Park, Ga. 30349

404-***-****

acwoha@r.postjobfree.com

SUMMARY

Highly motivated Senior Mortgage Professional; 35 years extensive experience in all phases of mortgage banking. Strong analytical credit, income and problem solving skills; as well as providing excellent customer service skills. Utilizes strong organizational, planning, and communication skills towards improving operational efficiency.

SKILLS PROFILE

Knowledge of all conventional and government underwriting, guidelines for agencies and private investors

Knowledge of all federal, state, local compliance regulations

Knowledge of Loan Prospector, Desktop Underwriting, MS Word, Excel, PowerPoint

Excellent communication skills

Ability to handle multiple tasks and prioritize workload

Excellent customer-relations background

EMPLOYMENT HISTORY

Mortgage Underwriter Coordinator/Mortgage Loan Processor

SunTrust Mortgage Atlanta, GA

Supporting Underwriting Specialist to complete all tasks for loan approval

Validate the quality and accuracy of the client and service provider’s documentation.

Pre-Closing Quality Assurance

Process refinance loans for Consumer Direct “HARP”

Processor

2011 to 2013

Amerisave Mortgage Corporation, Atlanta, GA 2010 to 2011

Review and submit conventional refinances utilizing Desktop Underwriting

Coordinate closings with customers and title company

Review all compliance documents per state guidelines

Assist in preparation of Quality Control

Chief Loan Processor

2008 to 2009

Acceptance Capital Mortgage, Alpharetta, GA

Responsible for supervising and processing FHA, VA, and Conventional loans

Operating Calyx software program, Loan Prospector and Desktop Underwriting

Analyze and devise solutions for settlement statements for each closing transaction

Prepare weekly and monthly status reports and excellent customer service support

Sr. Loan Officer

2005 to 2007

All Source Mortgage, Monroe, Ga.

Originate loan applications for FHA, VA, and Conventional financing, servicing Metro Atlanta

Maintain working relationship with Real Estate Agents, Attorneys and Clients

Conduct seminars on marketing and finance for First Time Homebuyer

Supervised staff for all daily operations and processing of mortgage loans

Operations Manager/ Sr. Loan Officer 2007 to 2008/

1996 to 1999

Johnson & Associates Financial Services, Union City, GA

Originate loan applications for FHA, VA, and Conventional financing, servicing Metro Atlanta

Maintain working relationship with Real Estate Agents, Attorneys and Clients

Conduct seminars on marketing and finance for First Time Homebuyer

Supervised staff for all daily operations and processing of mortgage loans

Sr. Loan Processor 2000 to 2005

1st Georgia Mortgage Funding Roswell, Ga.

Review and submit conventional refinances utilizing Desktop Underwriting

Coordinate closings with customers and title company

Review all compliance documents per state guidelines

EDUCATION

Associates Degree Business Administration

(Magna Cum Laude)

2010 to 2012

Kaplan University, Chicago, IL

Dean’s List 2010-2011/President List 2011-2012

The National Society of Collegiate Scholars 2011 to present

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