LINDSAY M. HARGETT

Jacksonville, Fl ***** 904-***-**** ad23hn@r.postjobfree.com

CLIENT SUPPORT OPERATONS SALES COMPLIANCE

Detail oriented Senior Financial Professional with extensive relationship management, customer service and finance industry experience in both sales and operations

• Relationship Management

• Credit Risk Mitigation

• Compliance

• Customer Satisfaction

• Strategic Solutions

EXPERIENCE

• Originations

Triad Financial Services September 2022 - present

Quality Control and Compliance Specialist

Responsible for auditing a sample of loans in various stages in process for accuracy and data integrity. Once the audit is complete, all results are then formatted for management to review.

Monitoring all licensing information for realtors, brokers, and Loan Officers for renewal expirations monthly.

Analyzing trends and creating training materials as needed for process changes.

May 2019 – October 2022

Senior Loan Processor V – Team Lead

Lead several team meetings with shared screens to show examples of how to navigate the system or show where to locate items in guidelines or procedures to team members.

•Partnered with one of the largest originators in the South Florida region. Managed a pipeline of 30-50 loans in various stages, mainly purchases. Programs included conventional and jumbo loans. Consistently met or exceeded goals.

•Worked with realtors and builders for completion of contracts and inspections, as well as loan approval requirements if requested by the buyers.

•Reviewed all loan documents for completion and accuracy, updated the system accordingly. Checked all documents for any signs of potential fraud or red flags and made underwriter aware of any concerns to help mitigate risk.

Plaza Home Mortgage Inc. July 2018 – May 2019 Junior Underwriter

Assisted Underwriters and management in various tasks including reviewing purchase contracts and realtors’ licenses for accuracy and compliance, clearing loans to close, ordering MI, running DU and LP on the web and running scenarios on the web. Oversaw processing, and reworking loans with program changes, assigning new loans, various reporting/auditing tasks as requested, and completing test cases for signing authority.

First Federal Bank of Florida December 2017 – July 2018 Loan Processor – Manufactured Home Division

Managed a pipeline of up to 20 new construction, land home purchase, mobile home transactions. Collected documents from the borrowers, dealerships, and title agents, as well as requested updates when needed. Loan programs included FHA, VA, Conventional and Bond. Worked with realtors, inspectors and title agent to insurance closing dates were met.

Freedom Mortgage Corporation April 2016 –October 2017 Conventional & Florida Bond Specialty Underwriter

Underwrote Conventional loans, using both DU & LP. Specialized in Florida Bond purchase transactions.

Senior Loan Processor IV

Managed a pipeline of 25-45 active loans, mostly purchases including Florida Bond loans, FHA, VA and agency loans.

Wells Fargo Home Mortgage January 2012 – April 2016 Senior Loan Processor IV

Managed pipeline of 30-50 loans in various stages, mainly purchases. Programs included FHA, VA, Conventional, & non-Conforming loans.

•Partnered with the largest originator in central Florida region.

•Consistently placed in the top ten percentile for units closed while maintaining high customer loyalty scores.

Conventional Underwriter II

Reviewed all purchase contracts, credit, income, assets, and other collateral documentation to determine the borrower’s overall ability to repay.

Senior Loan Processor – Non-Agency

Managed a pipeline of 50-90 non-conforming loans on both LIS & CORE.

•Consistently a top producer while simultaneously training newly hired teammates to ensure process consistency.

•Assisted in the design & implementation of several “best practices” on the new CORE system.

•Partnered with internal departments to assist in expediting the loan process for several of the bank’s high-profile customers.

Florida Capital Bank Mortgage September 2011 – January 2012 Conventional Junior Underwriter

Reviewed all credit, income, assets, and collateral documentation to determine the borrower’s overall ability to repay.

Bank of America, formerly Countrywide Home Loans Wholesale July 2005 – August 2010 Senior FHA/VA Loan Processor Correspondent

Managed pipeline of 40-60 FHA/VA loans. Calculated income and assets and reviewed other loan documents received.

•Updated loan file and reran CLUES for final underwriter review and clear to close. Scheduled all closings with title agents.

•Consistent top producer, closing more than the site goal of 35 units monthly. The highest funding volume was 102 units.

QC Auditor & Deficiency Specialist

Audited all FHA & VA loan in clear to close status for accuracy & compliance prior to sending to closing for docs out.

Verified all case numbers, CAIVRS, Lender ID's, correct forms for each investor were complete & Mortgage Insurance factors were correct. If deficiency occurred during the insuring process, obtained items necessary to complete insuring by FHA & VA.

Conventional Underwriter

Credit approved anywhere from 10-12 conventional loans per day on the CLUES underwriting platform. Approved piggyback Home Equity loans as well. Reviewed all credit, income, asset, collateral, title & insurance documents to confirm loan met all DU/LP requirements. Addressed any red flags and reviewed for any potential fraud.

ADDITIONAL RELEVANT EXPERIENCE

Washington Mutual Bank FA, formerly HomeSide Lending - Assistant Sales Manager & Loan Officer

OSI Collections, formerly Capital Credit Collection Agency - Team Lead, Experience Credit Representative

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