Cheryl Manny

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

Scotia, NY ****2

518-***-****

ad0wb8@r.postjobfree.com

Employment

Underwriter ii November 2020-april 2022

State Employees Federal Credit Union Albany, NY

As an Underwriter I ensure that all loans Meet Both FHA and FNMA Guidelines for all Specific Loan Programs in a Timely Manner. I have My FHA Level 1 and Conventional Levels 1,2 & 3

Senior Loan Processor November 2011-November 2020

State Employees Federal Credit Union Albany, NY

This position includes all aspects of processing which includes, but is not limited to, opening of all loans, following up daily on all outstanding documentation and pre-underwriting to make sure that all loans met FHA, Conventional, and VA guidelines. As a Loan Specialist, I also have the knowledge of closing procedures which allows me to be able to process loans from beginning to end. On a daily basis, my position required a high volume of member service relating to both members as well as business partners.

Direct Endorsement and Conventional Underwriter December 2009-2011

Bank of America Maitland, FL

As an Underwriter I ensure that all loans Meet Both FHA and FNMA Guidelines for all Specific Loan Programs in a Timely Manner. I have My FHA Level 1 and Conventional Levels 1,2 & 3.I have been underwriting with Bank of America Since December 2009 when My DE Number was Re-Activated with Bank of America. However, I was Underwriting for Several Years Previously with Countrywide Home Loans.

Home Service specialist ii February 2009-Dec 2009

Bank of America Maitland, FL

This position includes all aspects of processing which includes, but is not limited to, opening of all loans, following up daily on all outstanding documentation and pre-underwriting to make sure that all loans met FHA, Conventional, and VA guidelines. As a Loan Specialist, I also have the knowledge of closing procedures which allows me to be able to process loans from beginning to end. On a daily basis, my position required a high volume of customer service relating to both customers as well as business partners.

leasing agent July 2008-September 2008

The Gardens at Citrus Tower Clermont, FL

As a leasing agent I was primarily responsible for assisting potential residents who were interested in renting an apartment home. I toured the property with them and answered whatever questions they had, as well as facilitating their applications. I also provided service to the residents when they came in with questions or concerns.

Sales consultant-action line March 2008-may 2008

Westgate Resorts Kissimmee, FL

As a Sales Consultant at Westgate Resorts, I was primarily responsible for taking their vacationing families through the entire sales and tour process, front to back. Including but not limited to, showing them the properties and sharing with them the advantages of timeshare ownership.

Loan Specialist II September 2005-October 2007

Countrywide Home Loans Clermont, FL

This position included all aspects of processing which includes, but is not limited to, opening of all loans, following up daily on all outstanding documentation and pre-underwriting to make sure that all loans met FHA, Conventional, and VA guidelines. As a Loan Specialist, I also have the knowledge of closing procedures which allows me to be able to process loans from beginning to end. On a daily basis, my position required a high volume of customer service relating to both customers as well as business partners.

Full Time teller April 2004-April 2005

Bank of America Delmar, NY

My responsibilities as a Teller Associate included taking care of customer transactions and balancing all my work at the end of the day. Another aspect of my job was customer service in which I helped customers understand what accounts best fit their needs.

Direct Endorsement & conventional underwriter October 1997-march 2000

Countrywide Home Loans Clifton Park, NY

As an underwriter I needed to ensure that all loans met both FHA & FNMA guidelines for all specific programs. I have been underwriting Conventionally since November 1999 and I received my Direct Endorsement in April 2003. However, I have been pre-underwriting for the last 14 years.

Branch operations manager march 2001-September 2003

Countrywide Home Loans Saratoga Springs, NY

In this position I managed the loan operations department and handled any problems that arose on a daily basis.

Loan specialist march 2001-September 2003

Countrywide Home Loans Saratoga Springs, NY

This position included all aspects of processing which includes, but is not limited to, opening of all loans, following up daily on all outstanding documentation and pre-underwriting to make sure that all loans met FHA, Conventional, and VA guidelines. As a Loan Specialist, I also have the knowledge of closing procedures which allows me to be able to process loans from beginning to end.

Broker Originator August 1990-October 1997

Source One Mortgage Latham, NY

In this position I worked very closely with originators from mortgage broker companies. I met with them to qualify borrowers and followed through with the mortgage processing up to their final approval.

Processing supervisor August 1990-October 1997

Source One Mortgage Latham, NY

My responsibilities were to manage the loan operations department and handle any problems that arose on a daily basis.

Loan processor August 1990-October 1997

Source One Mortgage Latham, NY

My responsibilities as a loan processor included all aspects of processing from the beginning of loan applications up to the final approval. I made sure that all loans met all guidelines for all specific programs.

Customer service representative 1980-1982

Pioneer Savings Bank Watervliet, NY

As a Representative, I was primarily responsible for customer service and account maintenance. In short, I opened and closed customer accounts and provided solutions for customer inquiries and problems.

Education

High school diploma SEPTEMBER 1974-June 1978

Watervliet High School Watervliet, NY

IFREC Real Estate School 2008

Florida State Real Estate License Celebration, FL

Skills

My skills include, but are not limited to,

1.) Customer Service

2.) Heavy computer experience with Microsoft Office programs

3.) Extensive technical knowledge of Conventional, FHA, VA, and Sonyma loan products.

4.) Clues Underwriting Approval

5.) Florida State Real Estate License

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