Lynda M Webster

**** ***** ****** **.

Irving, TX 75063

817-***-****

ad0qt0@r.postjobfree.com

Professional Summary

I am an accomplished and self-motivated, seasoned professional with over 25 years in the Mortgage and Banking/Financial Industry, including an emphasis on Auditing, Project Management and Underwriting. I have experience as a Client Advocate, Credit Analyst, Forensic Underwriter, Loan Modification Underwriter, Post Closing Auditor and Processor. I also have to offer five years of management experience, as well as extensive knowledge in Client Management, Sales support, Team Building and Customer Service. Please contact me to discuss how I can be an additional asset to your team. Employment History

MUFG Union Bank, N.A – (now US Bank) 11/2020-4/2023

*QA Auditor IV

● Perform timely audit of all loan lines selected for QA review.

● Analyze loan elements to assess risk and ensure adherence to policies and procedures.

● Investigate errors and omissions during the loan process and any evidence of misrepresentation.

● Verify all calculations in the transaction are accurate, compliance documents were properly disclosed and executed correctly by all parties.

● Ensure any identified discrepancies in data entry and documentation are resolved and/or updated.

● Review all source data, third party websites and verification reports to ensure the loan and Borrower information meet all Bank, Investor and Regulatory requirements.

● Identify issues, or other material findings which may affect the salability of the loan.

● Document findings of each audit in the Q.A Database(s) and determine whether escalation and/or further investigation is needed.

NationStar Mortgage, LLC dba Mr. Cooper 2018-2020

*Correspondent Suspense Coordinator II

● Review incoming submissions of loans for purchase consideration.

● Obtain and analyze compliance reports to support adherence to State and Federal guidelines.

● Work closely with both internal and external team members to procure outstanding conditions.

● Initiate requests and respond to Lender inquiries in order to move loans through the pipeline.

● Submit loans ready to purchase, or track and report loans not eligible to secondary review.

● Monitor pipelines from submission to funding to maintain SLA.

*Loan Solution Specialist

● Review and validate the details on FHA loan files, including resolution of any errors and issues.

● Enter data into Encompass and BOSS Director throughout the various stages of the loan as assigned.

● Complete tasks correctly and within the appropriate timeframe according to SLA.

● Create, retrieve, review and upload any necessary documentation.

● Be well versed and knowledgeable of all FLASH policies & procedures.

● Provide feedback to management on how to improve process and service to our customers. Pacific Union Financial 2017-2018

*Senior Quality Control Auditor

● Execute audit procedures including reviewing documents and transactions for accuracy.

● Create analysis reports to document audit findings and observations noted.

● Generate operational and compliance audits to assess the adequacy of internal controls and identify any opportunities to streamline processes.

● Obtain verifications, and third party database documentation to support file information.

● Analyze and report deficiencies, defects and performance gaps.

● Ensure adherence to published Investor and (AUS) Automated Underwriting system guidelines.

● Verify data in the (LOS) Loan Operating system is consistent with the loan program..

● Communicate results of reviews to internal business partners. NationStar Mortgage, LLC 2013-2017

*Senior Resolution Auditor

● Execute special projects as assigned for company wide audit reviews.

● Collect information needed to complete audit reports and accommodate SLA.

● Identify deficiencies and/or discrepancies within system data and/or documentation.

● Complete data edit corrections based on predetermined parameters for individual departments.

● Work with Secondary Marketing and Underwriting Departments to resolve errors or issues.

● Provide assistance and support to other teams to balance workloads.

● Attend executive level meetings to discuss audit results, provide feedback and answer questions.

*Senior Quality Control Auditor

● Perform audit of selected loan files according to specified program.

● Identify risk issues, potential fraud and material findings which may affect the salability of the loan.

● Ensure adherence to AUS, published underwriting guidelines, or manual underwriting requirements.

● Confirm documentation pertaining to product and program is accurate and executed by all parties.

● Verify data entered into LOS (Loan Operating System) is consistent with loan documentation.

● Communicate findings to the assigned Originations management or Production team.

● Provide training and guidance, or technical supervision to less experienced staff, as needed.

*Senior Underwriter II

● Review and underwrite loans for approval.

● Evaluate loan elements including; Credit, Capacity, Capital and Collateral.

● Manually underwrite loans not AUS approved due to program restrictions, or exceeding guidelines and render appropriate credit decision.

● Second sign and/or correct loan approvals from Jr. Underwriters per company guidelines.

● Assist brokers with pipeline management, pricing, and process flow.

● Communicate with all departments to coordinate closing and funding.

***References available upon request***

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