Angela Willard

**** ****** ****** **** ****, SC *9715

ad1vro@r.postjobfree.com

540-***-****

Summary

Seasoned Mortgage professional with a demonstrated history of excellence as a Sr. Government/Conventional Frontline Underwriter, Sales Manager, Processing Manager, Sales Agent, and Training of peers with less experience. I am a versatile professional with a solid reputation and proven expertise in risk management, customer relations and training functions. Positive change agent who welcomes responsibility and growth opportunities. I adept at problem solving and communication at all levels. Highly dependable, flexible, and capable.

Professional Background

Sr. DE-FHA #KN91, VA-SAR #026314 Frontline Mortgage Underwriter- Laid Off Freedom Mortgage 03/2021 – 02/2023

Maintains pipeline within the Company’s standards 24-hour turn-around time for upfront, resubmittals, and final underwrite.

Underwrites a minimum of 65 loan points per month.

Reviews files throughout the process if requested by the Jr. Underwriter, Processors, and Loan Officers

Review asset documents and calculate assets.

Review employment details and calculate income.

Review credit report and validate liabilities and creditworthiness.

Review the sales contract.

Review mortgage insurance.

Review appraisal and perform compliance checks.

Notate any required credit and/or closing conditions and subsequently review and sign off on them.

When the documents/information are received/reviewed, issue a final approval,

‘Clear to Close’ or adverse action on a loan.

Maintain a strong relationship with the processing team, our clients, and loan originators as you work together to evaluate a deal. Sr. FHA/Conventional Frontline Mortgage Underwriter- Laid Off CrossCountry Mortgage 8/2020 – 03/2021

Maintains pipeline within the Company’s standards 24-hour turn-around time for upfront and final underwrite.

Reviews files upfront for initial credit decision based on Company checklists and guidelines.

Underwrites a minimum of 85 loan points per month based on CCM weighted point scale.

Issues loan approvals or escalates files to loan committee, when necessary, based on Company guidelines.

Grades loan application quality as based on criteria covered in training.

Reviews files throughout the process if requested by the Processor. Communicates errors and missing information to Processor and Loan Officer via email.

Emails information pertaining to the loan file through Encompass.

Adjusts condition sheet in Encompass with applicable conditions.

Reviews files for final approval once all items are gathered by the Processor.

Issues final approval uploading all necessary approval documentation into Company’s software systems with appropriate signatures.

Worked with the post-closing department on any stipulations for closed files. Sr. FHA/Conventional Frontline Mortgage Underwriter Wyndham Capital Mortgage 09/2018 - 08/2020

Maintain a pipeline of 85-90 loans within the Company’s standards turn-around time.

Review files upfront for initial credit decision based on GSE and Investor guidelines.

Full file review to include credit, income, assets, and collateral.

Work closely with Processors and LO’s with re-structuring of loan files in order to prevent an adverse decision when possible.

Communicate errors and missing information to Processor, LOA, and Loan officer via phone and email.

Review files for final approval once all items are gathered by the Processor.

Issues final approval uploading all necessary documentation with appropriate signatures to Encompass.

Work with post-closing and secondary departments on any stipulations for closed files and/or investor requirements.

Specialty in complex self-employed borrowers, and manually underwritten government files.

Skilled FHA and Conventional Mortgage Underwriting, Purchase, Refinance, and Risk Management.

Sr. FHA/Conventional Frontline Mortgage Underwriter 05/2016 - 09/2018 Movement Mortgage, LLC

Maintain a pipeline of 100-105 loans within the Company’s standards 6-hour turn- around time for upfront and final underwrite.

Review files upfront for initial credit decision based on guidelines.

Issues loan approvals or escalates files to loan committee when necessary.

Grade loan applications based on quality, completeness, and accuracy.

Communicate errors and missing information to Processor, LOA, and Loan officer via phone and email.

Review files for final approval once all items are gathered by the Processor.

Issues final approval uploading all necessary documentation with appropriate signatures to PCL.

Work with the post-closing department on any stipulations for closed files.

Specialty in complex self-employed borrowers, and manually underwritten government files.

Skilled FHA and Conventional Mortgage Underwriting, Purchase, Refinance, and Risk Management.

Forensic Underwriter- Laid Off

PCI/Opus Capital Market Consultants, LLC 10/2015 - 05/2016

Review loan application packages for completeness and accuracy.

Confirm application information (1003) against other documents within the file: to validate employment, verifications, income, assets, etc. Identify underwriting/data discrepancies and other diligence issues.

Verify and validate income, assets and liability documentation to support underwriting decision Calculate and verify income structure (employment verification, tax returns, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc).

Review loans for compliance related items, i.e. TILA, ROR, and miscellaneous disclosures.

Review and verify credit reports (FICO pay history, debt validation).

Review other real estate owned (i.e., disposition of property, rental income).

Review appraisals to support value, determine flipping, comps are reasonable, etc.

Familiar with fraud red flags and outside services used to determine or verify fraud. Loan Officer

MemberOne Federal Credit Union 01/2015 - 10/2015

Meets with and interviews potential and current clients to understand their lending needs including but not limited to first-time mortgages, refinance of existing loans, and home equity loans

Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications.

Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness.

Reviews loan applications, gathers credit histories and reports, and assesses applicants’ capacity to repay and default risk.

Based on predetermined requirements, make approval or denial recommendations to loan committee

Views or visits property for real estate purchase or refinance.

Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.

Develops and maintains contacts with local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages.

Performs other duties as assigned.

Consumer Loan Underwriter 2- Laid Off

Wells Fargo Home Mortgage 02/2012 - 12/2014

Reviewed, analyzed, underwrote and approved moderate request for individual consumer request Conventional loans.

Evaluated and ensured overall loan documents were accurate, complete and compliant.

Reviewed financial statements, credit reports, applicable ratios and other supporting documentation.

Contacted customers and partners to gather information to make appropriate decisions.

Explained rationale behind credit decisions.

Stayed abreast of any changes in underwriting provisions.

Worked with production to resolve questions and problems quickly and proficiently.

Worked on complex income and underwriting files.

Effectively explain written and verbal decisions reached while maintaining customer loyalty.

Maintain production and quality standards based on business overview.

Provide exemplary customer service to both internal staff and external customers, by supporting and training less experienced staff and offering alternative options to customers when needed.

System knowledge includes: AUS, DE, DU, LP, LIS,LOS, PCL, Encompass, Coast to Coast, Hogan, and 1084 FNMA income tool.

Co-Owner- Design Builders & Home Improvement Contractor 2007 - 2012 Vice President- Laid Off VBS Mortgage 2002 - 2007

Account Executive- GreenPoint Mortgage 2001 - 2002 Financial Specialist- Laid Off First Union Bank 1999 - 2001 Mortgage Advisor- Atlantic Bay Mortgage 1997 - 1999 Mortgage Loan Processor- UC Lending 1995 - 1997

Education / Licenses

Virginia Western Community College 2009-2011, DE Certified KN91, VA SAR 026314

(FOR NOV), NMLS 1369028 Licensed in SC/NC/VA

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