Shelley Auld

MORTGAGE UNDERWRITER

580-***-**** ad0xfi@r.postjobfree.com

SKILLS

Leadership

Ability to Work Under Pressure

Financial Statements

Loans

Underwriting

Credit Analysis

Submittals (Construction)

Management

Quality Control

Accounts Receivable

Microsoft Outlook

Communications

Real Estate

Financial Information

eXchange (FIX) Protocol

Microsoft Excel

Bank Secrecy

Accounts Payable

Bank Secrecy Act

QuickBooks (Accounting

Software)

Sales

Loan Origination

Business Development

Data Entry

PROFILE

With an extensive Lending, Compliance, Banking, and Administrative background it gives me an advantage I am proud to offer. I am extremely deadline-oriented with commitment to success and helping as a team. Authorized to work in the US for any employer EMPLOYMENT H I S TORY

Conventional Mortgage Underwriter/ Mortgage Loan Officer at PRMG Mortgage, Miami

August 2018 — Present

• Comprehensive knowledge of underwriting guidelines and restrictions for conforming conventional loan programs. • Knowledge of federal regulations including but not limited to: TRID, RESPA, HMDA, ECOA, FCRA, FDCPA, and REG Z. • Known for my strength in risk assessment, income/credit analysis and documentation review. • Commended for the timely and accurate completion of loan review facilitating volume growth while ensuring submittals met internal and external eligibility guidelines. • Appraisal review in it's entirety for qualifying purposes • Reviewed financials effectively to accurately calculate income for the self employed borrower • My extensive knowledge of loan programs as a Mortgage Loan Officer allow me the ability to restructure suspense files in the underwriting process. Human Resources Administrator at ACP Sheet Metal, Oklahoma City July 2015 — March 2017

• Communicated with potential hires to provide clarity on expected tasks, compensation and policies. • Prepared human resource documentation, including new hire letters, employee contracts and corporate policies/procedures. • Updated complete and accurate employee files for ACP Sheet Metal/ Midwest Fabricators group with over 70 employees. • Updated HR database with new employee information, changes in benefits and other details on daily basis.

• AP/AR • Payroll

Mortgage Loan Officer/ Marketing Specialist at Associated Mortgage, Norman

March 2011 — May 2015

• Worked with underwriters to fix application problems and resolve issues. • Reviewed loan files and updated to match current standards. • Explained different types of loans pertaining to client situations. • Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information. • Developed and maintained relationships with local real estate agents. • Ability to close all loan programs to include USDA, VA, FHA, CONVENTIONAL, and 203K.

Mortgage Loan Officer/ Compliance at Cornerstone Home Loans, Lawton February 2009 — March 2011

• Ability to close all loan products to include USDA, VA, FHA, CONVENTIONAL, and 203K. • Reviewed loan files and updated to match current standards. • Worked with underwriters to fix application problems and resolve issues. • Developed prospects for new loans by marketing.

• Originated, reviewed, processed, closed and administered customer loan proposals. • Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information. • Developed and maintained relationships with local real estate agents. Internal Compliance Specialist at Liberty National Bank, Lawton December 2006 — January 2009

• Performed quality control reviews of all loan packages to check adherence with federal and state regulatory requirements. • Tracked customers' loan status to update appropriate teams and facilitate subsequent steps, leading to timely closings. • Maintained current knowledge of loan products and applicable requirements, processes, procedures, internal policies and regulations. • Performed quality reviews with Federal Regulators to uncover workflow and communication issues. • Assisted with training sessions to educate management personnel on compliance and regulatory standards.

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