Marlayne Sage

Sioux Falls, SD *****

Phone: 469-***-****

Email: ad2mye@r.postjobfree.com

Objective: Energetic Leader, Underwriter and customer service professional with over 20 years of experience. Organized Leader builds positive rapport, inspire trust and guide teams towards achievement of goals. Excellent trainer and mentor.

Professional Experience

Envoy Mortgage

SR. Underwriter 4/2022 to 12/23

-Contact Customers to resolve income and/or credit issues

-FHA, VA, USDA, Bond and Conventional Loans

-New Construction Loans

-Complete Initial Underwriter for all Products including Manual UW thru the Clear to Close

-Reviewing Credit Reports, Appraisals, Income Documentation and Calculating Income, Title documentation

-Compliance with Fannie, Freddie, FHA/VA and Company Guidelines

-Maintain Underwriter Education Classes

-Maintain Open Lines of Communication with Loan Officers and Processors

-Work in collaboration with the team to ensure SLA targets are met

-Work with investors to resolve any issues regarding income, credit and insurable loans

Mr. Cooper\Pacific Union Financial, LLC 8/16 to 3/2022

Underwriter II

-FHA Refinance & Purchase, Conventional Loans

-Complete Initial Underwriter for Conventional and FHA Products including Manual UW thru the Clear to Close

-Reviewing Credit Reports, Appraisals, Income Documentation and Calculating Income, Title documentation

-Compliance with FHA and Company Guidelines

-Maintain Underwriter Education Classes

-Maintain Open Lines of Communication with Loan Officers and Processors

-Work in collaboration with the team to ensure SLA targets are met

-Audit Files that have investors issue to cure.

Team Lead

- Audit Files after closing to validate income, assets, collateral, credit and resolved investor issues.

-Team Lead for team of 12 processors

-Training New Hires

-Work with processors to solve issues of credit, income, assets and to meet daily SLA

-Processing of Purchase, VA, FHA, USDA, Conventional and Employee Loans

-Review Applications

-Review Supporting Documentation for accuracy

-Review Escalations for V. P.

-Review and Clear documentation regarding Appraisal, Income, Insurance, Credit

-Customer Service

-Surpassed monthly goals and have received numerous recognitions for this and service.

-Manage daily pipelines

-Comply with all policies and procedures

-Audit departments for Compliance with FHA, USDA, VA, Conventional Guidelines

Stearns Lending, LLC 5/16 to 8/16

Processing Manager

-Managing Retail Processing team (15 processors)

-Audit Files that have investors issue to cure.

-Complete Daily Pipeline Report to Senior Management

-Assign Loans

-Coaching and Training of New Hires

-Review all Escalations and Report to Senior Management

-Assist in Completing Closing Disclosures

-Leading Team Meetings to review changes in Policy\Procedures

-Prepare monthly projections for SR. VP.

-Review reports regarding Govt. insuring issues.

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Nationstar Mortgage/Mr. Coper - Pacific Union Financial, LLC 4/13 to 5/16

Account Manager and Sr. Loan Processor

-Processing Purchase, VA, FHA, USDA, Conventional and Employee Loans

-Process Escalations for V. P.

-Clearing Conditions: Appraisal, Income, Insurance, Credit

-Training new hires

-Customer Service

-Surpassed monthly goals and have received numerous recognitions for this and service.

-Manage daily pipelines

-Resolving title issues: Judgments, Trust documentation

-Maintaining open communication with Customers, Loan Officer, Staff, Managers

-Completed all required training including training to clear Sr Loan Processor conditions

-Assisted in training new hires

-Maintain Pipelines from 40-60 loans

-Surpassed monthly goals

-Received unit awards for production

-Manage daily pipeline reports to manager

Bank of America 4/09 to 4/13

Home Service Specialist II – Team Lead

-Coaching and Leading Associates

-Processing MHA, Conventional, VA, FHA Loans and Purchase

-Audit Files after closing to validate income, assets, collateral, credit.

-Clearing Conditions

-Customer Service

-Resolve Title Issues

-Verify Certain Loan Information

-Maintain Open Communication with Borrower, MLO, Sales Staff, Title Company

-Maintain LLD Report Daily

-Continue with Education\Training

-Complete order through Landsafe

-Completed SASE Courses

-Manage Pipeline

-Assisted in training and coaching new associates

-Provided leadership to team

Team Lead-RESPA Remediation & Origination Regulatory Controls

-Coaching and Leading Associates

-Work on Projects assigned by VP

-Communication with Management

-Complete Multiple Excel Spreadsheets for Managers Daily

-Present Data from Reports to Leadership and Managers

-Review Associate Pipelines Dailey and Report any Issues\Concerns and send out reports

To associates for completion

-Assign loans and\or Load Balance

-Review Associate Escalations and Clear Accordingly

-Support Managers from Updating Associate’s Attendance, Pipeline management,

Reviewing Loans, Attend Team Huddle, and Team Huddle if Manager is out.

Home Service Specialist – Team lead

- Coaching and Leading Associates

-Complete Daily report and present to Managers

-Daily reports completed to send out to associates and Managers

-Processing FHA and VA Loans

-Coaching Associates

-Clearing Conditions

-Customer Service

-Resolve Title Issues

-Verify Certain Loan Information

-Maintain Open Communication with Borrower, MLO, Sales Staff, Title Company

-Maintain PDDR Report Daily

-Continue with Education\Training

-Complete order through Landsafe

Citi Group. Irving, TX 11/08 to 4/09

Modification Agent

-Account Modification

-Process Deferments, Amendments, Repossessions

-Customer Service

-Manage a Queue of over $4,000,000

-Process Payments

-Maintain Monthly Stat Reports

Countrywide Bank, Richardson, TX 04/07 to 8/08

Account Executive / Loan Officer

-Provide accurate information to potential borrowers regarding appropriate loan

Program, Conventional and FHA, which may benefit their needs

-Loan Renegotiations and underwriting program changes

-Maintain up-to-date knowledge of all program policies and procedures, regulations and

Loan products

-Accurately complete loan application forms and adverse action notices, when appropriate

-Engage in follow-up activities with prospective borrowers to solidify loan process

-Assist Loan\Lending Specialist in gathering and compiling file documentation to

Facilitate the process

-Excellent Verbal and Written Communication Skills

-Call Center-Inbound and Outbound Calls

Dallas County Community Supervision, Dallas TX 10/92 to 5/07

Probation Officer

-Prepare Quarterly Statistical Data

-Train and Coach new Officers

-Maintain records in compliance with State Guidelines

-Mentor to less experienced staff or new officers in their training

-Prepare Monthly Stats

-Implement Court order Conditions

-Presentence and Post Sentence Interviews

-Prepare Sentencing Reports for Judges.

-Testify in Court Hearings

-Global Positioning System (Electronic Monitoring of Felons)

-Maintain State Certification as a Community Supervision Officer

-Complete specialized training programs for supervision of high-risk offenders

Education

Bachelor of Arts Degree in Criminal Justice from Chadron State College in Chadron, NE

Associates Degree in paralegal from Casper College in Casper, WY.

Skills

Encompass, Microsoft work, Excell Spreadsheets

Awards

2021 Award Underwriter of the Year.

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