Andrea Dean

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

Apt ****

Melbourne, FL. 32901

Mobile: 615-***-****

Email ad22qq@r.postjobfree.com

PROFESSIONAL PROFILE

Senior Mortgage Loan Processor and Underwriter with more than 20 years of experience, inclusive but not limited to FHA, VA, USDA, THDA, Jumbo, NON QM, Reverse, HELOC and Conventional Loan Processing. Processed in all the East Coast, Southeast, CA, TX, Louisiana, Mississippi, AZ, NV and Northeast states. Except the few states that require processors to be licensed. Have been given a QC/QA 2 times in my career as a processor and underwriter. Exceptional cognitive skills, expert credit risk evaluation, problem analysis, decision making, and financial skills.

Experience

DNA Logistiks

Murfreesboro, TN. December 2022 – Present

Dispatcher

Print BOL’s for each driver.

I handle our drivers that lease our trucks and also, Owner Operator’s

Collecting the paperwork from the drivers

Make sure all drivers stay up to the laws.

Verify driver logs

Verify all drivers have all their training

Owner Operators first preferences with customer orders

Work with inhouse teams to create efficient logistics routes, that benefits the owner Operators

All regulatory compliance and Hours in Service

Use GeoTab to check on where our driver is located

Use Power BI for reports

Print all paperwork for all drivers.

Scan and email each company the BOL’s for that night

Complete the PLS and OTD from that day. Complete the board with each drivers score from previous day or night.

Complete all excel reports nightly.

Check driver’s in and out

Scan BOL’s, Route sheets, GM paperwork and returns and email.

Scan all damaged freight

Scan all distress freight left on dock

Email nightly reports.

Keep all truck numbers up to date.

Email vendors about any late or damaged freight

Schedule LTL deliveries, create BOL

Answer emails

Work with the owner Operators so they successfully perform at their job

Make sure all owner Operators do not have any concerns.

Mortgage Investors Group, Franklin, Tn March 2022 – August 2022

Senior Mortgage Processor

Processed FHA, VA, Conventional/Conforming and Non-Conforming first mortgages, 2nd mortgages including but not limited to piggy backs, standalone home equity loans /lines, and Jumbos Loans

•Reviewed credit, income, and asset documentation

•Identified and worked through alternatives with higher level Analyst or Supervisor for loans that fall outside of guidelines

•Processed Conventional, Bond, RD loans and Non QM loans for Purchase and Refinance

•Used FHA connection for ordering case numbers, GSA & LDP, Appraisal Logging

•Used the Loan Program Guide, Conventional Tech Manual, and Government Tech Manual •

•Ran DU and, LP Underwriting Systems

• Pre-underwrote FHA/VA loans and submitted the file to a Senior Underwriter for approval signature

•Determined and Corrected any Errors in the AUS/DU decision

•Identified Fraud and Appraisal Fraud

•Processed and Underwrote the following property types: Single Family, Manufactured Home, Condominiums (low & high Rise), Attached and Detached PUD.

•Tracked missing documentation on loans submitted as a savable Business decision

•Reviewed documentation upon receipt for adherence to investor requirements

•For loans that fall out of guidelines, identified, and worked through alternatives with Supervisor and/or Secondary Marketing

•Made recommendations to save or convert to an actual Business Decision

•Analyzed investor findings and internal audit reports, including SWOT along with requests for repurchases from investors to provide alternatives to make loans saleable (assess risk versus missing/inaccurate documentation).

•Communicate both in writing and orally with Correspondent, MA/LO/FA, Private Label client, etc., as needed

•Shared all findings with loan officer, Loan Officer Assistant and clients, or correspondents via written or verbal communication methods

•Reviewed loans that failed predatory lending test to determine accuracy, corrective action and communicate with brokers/correspondents

•Trained new processors to maintain policies and procedures

•Helped other processors with guidelines, loans and compliance

•Handled a pipeline of 25-45 loans a month.

Caliber Home Loans, Remote December 2020 – January 2022

Senior Mortgage Loan Processor

•Processing Purchase and Refinancing for FHA, VA, Conventional, USDA, Jumbo and Remodeling Loans

•Process Direct Purchase loans, Send Initial CD, Final CD to balance with title and send closing documents to title and borrower

•Interact with external and internal parties to take a loan from origination to closing

•Obtain all Verifications needed; VOE's (Verification of Employment), VOD's (Verification of Deposits), Mortgage/Rental Payment, Flood Certs, etc.

•Assist in reviewing conditions as needed

•Consistently Communicate with Buyers, Loan Officers, Underwriters, Managers and Compliance teams regarding loan status

•Meet deadlines in a Timely Manner

•Maintained a pipeline of 25-45 loans a month

Loan Depot, Remote September 2019 – December 2020

Senior Mortgage Loan Processor

•Processing Purchase and Refinancing for FHA, VA, Conventional, USDA, Jumbo and Remodeling Loans

•Process Direct Purchase loans, Send Initial CD, Final CD to balance with title and send closing documents to title and borrower

•Interact with external and internal parties to take a loan from origination to closing

•Obtain all Verifications needed; VOE's (Verification of Employment), VOD's (Verification of Deposits), Mortgage/Rental Payment, Flood Certs, etc.

•Assist in reviewing conditions as needed

•Consistently Communicate with Buyers, Loan Officers, Underwriters, Managers and Compliance teams regarding loan status

•Meet deadlines in a Timely Manner

•Handled a pipeline of 25-45 loans a month

Took Time off to Address Personal Health Issues

2014 – 2018

Hometown Lenders, Mt. Juliet, TN 2012 – 2014 Senior Mortgage Loan Processor/Underwriter

•Processed and Underwrote FHA, VA, Conventional/Conforming and Non-Conforming first mortgages, 2nd mortgages including but not limited to piggy backs, standalone home equity loans /lines, and Jumbos Loans

•Processed and Underwrote Conventional, Bond, RHS loans for Purchase and Refinance

•Used FHA connection for ordering case numbers, GSA & LDP, Appraisal Logging

•Manually calculated DTI, Ratios, Assets, and Income

•Identified red flags regarding title, appraisal, and credit reports

•Gained experience with Clues, DU and LP underwriting systems

•Approved AUS, DU, LP and manual underwrite loans

•Pre-underwrote and Processed FHA/VA loans

•Processed and Underwrote the following property types: Single Family, Manufactured Home, Condominiums (low & high Rise), Attached and Detached PUD

•Communicated both in writing and orally with Correspondent, MA/LO/FA, Private Label client, etc., as needed

•Analyzed investor findings and internal audit reports, including SWOT along with requests for repurchases from investors to provide alternatives to make loans saleable (assess risk versus missing/inaccurate documentation)

CONTRACT POSITIONS, Brentwood, TN 2009 – 2012

Regions, Reliant Bank, Peoples Home Equity

Mortgage Loan Processor/Underwriter

•Reviewed credit, income, asset, and property documentation approved loans for all products for compliance with All Lender guidelines and clearing conditions as applicable

•Used FHA connection for ordering case numbers, GSA & LDP, Appraisal Logging

•Manually calculated DTI, Ratios, Assets and Income

•Identified red flags regarding title, appraisal and credit reports

•Experienced with Clues, DU and, LP underwriting systems

•Approved AUS, DU, LP and manual underwrite loans

•Determined the Errors in the AUS/DU decision if there are any and correct

Countrywide, Franklin, TN 2003 - 2009

Mortgage Loan Processor/Underwriter

•Processed and Underwrote FHA, VA, Conventional/Conforming and Non-Conforming first mortgages, 2nd mortgages including but not limited to piggy backs, standalone home equity loans /lines, and Jumbos Loans

•Reviewed credit, income, and asset documentation for redraw requests from the closing table, for continued compliance with All Lender guidelines, and added clear applicable conditions associated with redraw

•Identified and worked through alternatives with higher level Analyst or Supervisor for loans that fall outside of guidelines

•Processed and Underwrote Conventional, Bond, RHS loans for Purchase and Refinance

•Used FHA connection for ordering case numbers, GSA & LDP, Appraisal Logging

•Used the Loan Program Guide, Conventional Tech Manual, and Government Tech Manual

•Gained Experience with Clues, DU and, LP Underwriting Systems

•Approved AUS, DU, LP and manual underwrite loans

•Pre-underwrote FHA/VA loans and submitted the file to a Senior Underwriter for approval signature

•Determined ad Corrected any Errors in the AUS/DU decision

•Identified Fraud and Appraisal Fraud

•Processed and Underwrote the following property types: Single Family, Manufactured Home, Condominiums (low & high Rise), Attached and Detached PUD.

•Tracked missing documentation on loans submitted as a savable Business decision

•Reviewed documentation upon receipt for adherence to investor requirements

•For loans that fall out of guidelines, identified, and worked through alternatives with Supervisor and/or Secondary Marketing

•Made recommendations to save or convert to an actual Business Decision

•Analyzed investor findings and internal audit reports, including SWOT along with requests for repurchases from investors to provide alternatives to make loans saleable (assess risk versus missing/inaccurate documentation).

•Communicate both in writing and orally with Correspondent, MA/LO/FA, Private Label client, etc., as needed

•Shared all findings with processor, clients, or correspondents via written or verbal communication methods

•Reviewed loans that failed predatory lending test to determine accuracy, corrective action and communicate with brokers/correspondents

•Trained new processors to maintain policies and procedures

EDUCATION

Harpeth High School, Kingston Springs, TN 1989

High School Diploma

Columbia State Community College, Columbia, TN 2007 Business Management

Columbia State Community College, Columbia, TN 1992

Associate of Applied Science

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