Lisa Wiley

Email: ad2cjx@r.postjobfree.com Mobile: 404-***-**** LinkedIn: www.linkedin.com/in/lisa-wiley311 EXPERIENCE SUMMARY

** ***** ********* *** (correspondent, retail, wholesale channel)

** **ars experience with FNMA, FHML, Non-QM and Manual UW of Conventional Loans

15 years calculating tax returns, P&L and Balance Sheets

15 years calculating multiple scenarios of income documentation

15 years due diligence & compliance reviews

15 years analysis of credit packages, income, assets and appraisal reports

15 years quality control and conditions review

2 years reviewing HARP DU refinance underwriting and closing packages

2 years quality control review of FHA, VA, Reverse and USDA loans

High quality result scores for pre-funding and post closing audits The Oakleaf Group June 2023 to October 2023

4800 Hampden Ln #200, Bethesda, MD 20814

Quality Control Forensic Auditor (Please note: short term project contract position)

Review of Forensic Underwriter’s audits.

Provide guidance and training information to Forensic Underwriters.

Decision reviews, complete analysis and update loans in Salesforce. Crescent Mortgage Company (Division of United Bank) April 2019 to September 2022 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row NE Suite 650 Atlanta, GA 30328 Underwriter (Please note: Position eliminated due to market conditions)

Underwrite of Conventional and Portfolio loans through Desktop Underwriter (DU); Loan Prospect

(LP) and Automated Underwriting System (AUS).

Updated AUS decisions confirming reconciliation to the mortgage system.

Documented systems with all dates and information certifying system data integrity.

Reviewed and validated credit, income, assets and fraud reports.

Calculated complex self-employed business and personal tax returns.

Analyzed, evaluated and decided loan to confirmation based on guidelines.

Provided verbal, written, and site documentation to support the loan approval decision.

Conducted third party documentation reviews verifying accuracy and addressed discrepancies.

Guidelines, overlays and exception reviews.

Decision loans, create and update conditions ensuring supporting documentation is received.

Determine loans requiring submission for management review for escalation of scenarios outside of guidelines.

Order and review Mortgage Insurance (MI) based on loan programs.

Provide recommendations to ensure options are provided for loan approvals.

Recommend approval, denial or suspension of credit application. Technical Skills

Microsoft Office 365

Google Drive

Presentations:

Powerpoint, Google

Drive

Spreadsheets: MS

Excel, Google Drive

Mac OS

Microsoft Window

Skills

Conventional and

Manual Underwriter

Non-QM Loan

Appendix Q

Automated

Underwriting Systems

(AUS)

Desktop Underwriter

(DU)

Loan Prospector (LP)

Direct Endorsement

(DE)

AllRegs

Bank Secrecy Act

Fair Lending

Fraudguard

LexisNexis

Choice Point

Thomson Reuters

Autotrack

Real Quest

Data Verify

PACER

The Work Number

Dunn and

Bradstreet

Cyberhomes

Corelogic

Effective management of pipeline, emails and calls providing excellent customer service for external clients and internal departments.

Multi-tasking while maintaining and exceeding production standards goals in a fast-paced environment and successfully arranging priorities for a 24-hour condition review requirement.

Thorough communications both verbal and written for analysis of loan and conditions.

Personal contact with internal and external organizations to provide resolution, building relationships, ensuring cooperation, discussions, confidentiality, discretion and diplomacy.

Analyze appraisal reports, order and review Collateral Underwriter (CU) reports and condition appraisal reports, order desk reviews and submit to second tier review as deemed necessary.

Assist in resolving branch pre/post closing suspense issues.

Complete all industry and company training annually. Ameris Bank July 2017 - January 2019

3 Corporate Blvd 7th Floor Atlanta GA 30329

Specialty Team Underwriter (Please note: Position eliminated due to market conditions)

Underwrite of Conventional mortgage loans, Manual, Non-QM, Portfolio, Jumbo, Desktop Underwriter (DU); Loan Prospect (LP) and Automated Underwriting System (AUS).

Reference CFPB Appendix Q and various agency, company and Investor guidelines.

Determine if loan requires Loan Exception and site compensating factors.

Structured problem-solving, organization, and collaboration skills.

Adaptable and agile in a constantly changing fast-paced and highly productive environment.

Prepare loan reports for Compliance and Bank review and approval.

Review third party tools to ensure accuracy and site discrepancies for risk assessment and management.

Analyze and decision loans, write analysis of loan scenarios and write/review conditions.

Manage and monitor daily pipeline while working independently.

Collaborate and communicate with internal bank departments.

Effectively work independently, detail-oriented, self-motivated and organized.

Analysis of appraisal reports, order and review Collateral Underwriter (CU) report and request information from appraisers.

Truist Bank September 2014 – July 2017

1745 North Brown Road Suite 300 Lawrenceville, Georgia 30043 Private Wealth Specialty Team Underwriter (Please note: Pursued other opportunities)

Underwrite of Conventional and Portfolio mortgage loans through Desktop Underwriter (DU), Loan Prospect (LP), Automated Underwriting Systems (AUS) and Manual UW.

Majority of loans reviewed being Manual loans of self-employed borrowers for specialty products.

Lending authority $1.5MM.

Calculate complex self-employed income calculations reviewing tax returns, P&L and balance sheets.

Analyze, review and evaluate credit, income and asset documentation.

Complete and document cash flow analysis forms and multiple underwriter forms.

Reconcile and update information to all systems.

Review and submission of Mortgage Insurance (MI) loans to MI companies.

Evaluate loans to confirm requirements met for RESPA, regulatory/investor guidelines, overlays, government standards, compliance, policies, procedures, rules, and regulations.

Ensure quality assurance using third party tools. LoanBeam

Risk Assessment

Risk Management

Reviews:

Appraisal

Assets

AVM

Credit

Financial

Income

Documentation

Cash Flow Analysis

Personal and

Business

Tax Returns

Profit and Loss

Statements

Balance Sheets

Guidelines and

Overlays

Compliance

Standards

Lending Policy

Bank Policies and

Procedures

Regulatory

Requirements

Legal Requirements

Quality Control

Due Diligence

Analyze loan and provide detailed synopsis of characteristics of loan and create loan conditions.

Decision loans and approve, suspend or deny loans with effective communication of decision both verbal and written.

Determine if a recommendation for a Loan Exception is necessary providing compensating factors.

Research and respond to all quality control reviews, internal and external audits and individual audits.

Professional service provided as the liaison for Loan Officers and Processors. Altisource September 2012 - July 2014

400 Perimeter Center Atlanta, Georgia 30346

Financial Credit Analyst and Real Estate Associate II (Please note: Position eliminated as a result of business restructuring and elimination of offices)

Underwrite and QA reviews of conventional, VA, FHA and Reverse mortgage loans through Desktop Underwriter (DU), Loan Prospector (LP), Automated Underwriting Systems (AUS) and Manual UW.

Government Sponsored Enterprises (GSE) documents review.

Review of credit and income and collateral mortgage loans.

Review of early payment default and denied loan files to provide analysis of the findings of the loan file. Quality control audits using FNMA, Freddie and Investor’s guidelines, overlays and matrix.

Research of client rebuttal loans.

Assistance in system updates and implementations.

Training and Quality Assurance of Underwriting Team. Covius November 2008 – September 2012

One Glenlake Parkway Suite 1400 Atlanta, Georgia 30328 Real Estate Associate II and Project Coordinator (Please note: Pursued other opportunities)

Project coordinator of internal and external projects, meetings and structured products for clients.

Final analyst of completed projects for clients.

Monitored and managed meetings and data for review of clients as liaison to internal departments.

Finalized reports for internal and external clients.

Underwrite of mortgage loans with Desktop Underwriter (DU), Loan Prospector (LP), Automated Underwriting Systems (AUS) and manual.

Review of complete mortgage loan files entirely to detect fraud, prove undisclosed information and site guidelines and compliance violations.

Perform audits on all fraud or misrepresentation identified from documents of loan origination, post close and loan modification with quality control audits using online research tools.

Provide clients analysis of the audit of the loan file siting findings with referenced documentation.

Assigned to a majority of specialty projects requiring quality control underwrite reviews.

Direct contact to clients for pipeline.

EDUCATION & CERTIFICATES

Associate Degree in Business Management and Fashion Design - The North Coast College, Lakewood, OH Business Management Program - Cuyahoga Community College, Cleveland, OH Certification of Completion of Employer Sponsored Underwriting Certification Course Direct Endorsement (DE)

NMLS ID - 1188366

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