SHARDE’ WILBURN

**** ****** ***** **** ******, AL 35226 757-***-**** ad2reo@r.postjobfree.com CHARISMATIC, HARD-WORKING AND TECHNICALLY SKILLED PROFESSIONAL known for accuracy, attention to detail and timeliness in managing various Business functions for a diverse group of employer within the industry. Earned solid proficiencies in MS Outlook, Lending and Underwriting Expertise, Peachtree, QuickBooks, and various Underwriting systems.

KEY SKILLS

• Accounts Receivable Processes & Management

• Invoices/Expense Reports/Payment Transactions

• GAAP and Health Codes and Insurance

• Processor/ Underwriting/Loans

• ERP & Financial System Technologies

• Conventional/FHA/VA Loans

• Journal Entries/General Ledger/ Reconciliation

• Decision Quality

PROFESSIONAL EXPERIENCE

DCNR-OAK MOUNTAIN STATE PARK – Pelham, AL (40hrs)

Accountant, 02/22-currnet

• Assist in preparation of yearly budgets and operations plans in order to show projected expenditures and receipts with a minimal error factor and meeting deadlines.

• Review invoices and prepare material receipts

• Complete and review financial records and documents and takes corrective measures so that all reports from facilities and checks for accuracy and submitted by suspense date with no more than two valid deficiencies per year.

• Review fiscal reports from facilities and checks for accuracy with nor more than four errors per year.

• Supervises office staff and maintains good public and employee relations to ensure a more pleasant workplace with no more than two violations a year.

• Provides analytical data to managers for data to be used in operational decisions with minimal error factor to reports

• Conduct and supervise inventory counts at all park facilities to ensure proper markups are made and inventories are not being stolen wit no more than four complaints a year.

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ATHAS CAPITAL GROUP – REMOTE (40hrs)

Senior Mortgage Underwriter, 01/22-08/22

• Analyze credit data, bank statements, tax returns

• Manual underwriting

• Reviewing complex tax returns

• BPND, BP, CP

• Review of rates per rate sheet and points

HCL (BANK OF AMERICA) – REMOTE (40hrs)

Senior Analyst Underwriter, 02/21 to 03/22

• Analyze credit data, bank statements, tax returns

• Conventional/ Non conventional SASE Level 3 currently support a very high risk and complex segment of mortgage underwriting and analysis.

• AUS findings, and appraisals for individuals to determine the risk involved in providing MI only commitment to Borrowers.

• Manual underwriting

• Reviewing complex tax returns

• Conducted DU and Data Verify along with running the AUS when using Ifulfill

• Assess eligibility of clients’ applications to receive a mortgage

• Ongoing communication to include and not limited to responding to phone calls and e-mails.

• Technical skill set to navigate in Client's Underwriting platform.

• Underwrite conventional, Analyze customer’s loan-to-value ratio, debt-to-income ratio, credit report application, income and assets, source(s) of down payment funds.

• Reviewed as analyzed paystubs, bank statements, rental income, self employment, SSI etc.

• Communicated effectively with the HHS

• Perform loan “in closing” tasks including: Verify fees, complete aggregate escrow, verify payoff information; order updated payoffs as necessary.

• Reviewed and analyzed appraisals and fees

• Reviewed and analyzed title and insurance fees associated with each file

• Completed final conditional approvals; dates of documents are current and before closing and final income calculations.

• Responsible for product and underwriting guidance on complex Jumbo mortgage files to correspondent originators.

• Assist correspondents in loan origination and delivery procedures based on process and scenario inquires.

• Functions as the Jumbo subject matter expert with all external partners.

• Reviews detailed scenario requests and issues recommendations within the published SLAs.

• Proficient with guidelines, products and requirements.

• Guides clients via verbal and written commendations in complex loan scenarios to give the customer the best opportunity to receive an underwriting approval for their borrower. Brillient (SBA) – REMOTE (CONTRACT)- 40hrs

Financial Accounting Loan Processor, 05/20 to 02/21

● Lead and participate in projects related to enhancement to the system, implementation of new modules, new

● SBA Loan processing (SBA 7(a) and Smart Biz Loan)

● Compile SBA loan files

● Generate loan documents through Laser Pro including SBA Lending Solutions

● Submit loans for processing through Etran (verify credit score prior to loan origination), obtain CAIVRS, 4506t, and process PLP Submission.

● Boarding and call back of all SBA loans

● Processing advances multi disbursement loans

● Loan Portfolio Maintenance – Tickler Management

● Insuring all approvals/signatures are complete on loan requests

● File Maintenance/Changes on Jack Henry

● Creating/improving/modifying loan forms/checklists

● Adjust documents, workflow, etc as necessary to perform duties

● Assisting with SBA Department Projects – including drawing up policy and procedures

● Assist SBA Dept Manager as necessary/Other Duties as Assigned

● Seek continuing education to assist with job through NAGGL, local district office, etc WIPRO (SPROUT MORTGAGE) – REMOTE (40hrs)

Front Line Underwriter, 09/20 to 02/20

• Analyze credit data, bank statements, tax returns

• AUS findings, and appraisals for individuals to determine the risk involved in providing MI only commitment to Borrowers.

• Reviewing complex tax returns

• Conducted DU and Data Verify along with running the AUS when using Encompass

• Assess eligibility of clients’ applications to receive a mortgage

• Ongoing communication to include and not limited to responding to phone calls and e-mails.

• Technical skill set to navigate in Client's Underwriting platform.

• Underwrite conventional and FHA loans, Analyze customer’s loan-to-value ratio, debt-to-income ratio, credit report application, income and assets, source(s) of down payment funds.

• Reviewed as analyzed paystubs, bank statements, rental income, self employment, SSI etc.

• Communicated effectively with the AE/AM regarding the file

• Perform loan “in closing” tasks including: Verify fees, complete aggregate escrow, verify payoff information; order updated payoffs as necessary.

• Reviewed and analyzed appraisals and fees

• Reviewed and analyzed title and insurance fees associated with each file Completed final conditional approvals; dates of documents are current and before closing and final income calculations.

Responsible for product and underwriting guidance on complex Jumbo mortgage files to correspondent originators.

• Assist correspondents in loan origination and delivery procedures based on process and scenario inquires.

• Functions as the Jumbo subject matter expert with all external partners.

• Reviews detailed scenario requests and issues recommendations within the published SLAs.

• Proficient with guidelines, products and requirements.

• Guides clients via verbal and written commendations in complex loan scenarios to give the customer the best opportunity to receive an underwriting approval for their borrower. BBVA COMPASS – Birmingham, AL (40hrs)

Mortgage Loan Underwriter, 11/18 to 9/20

• Performed underwriting of conventional and FHA mortgage loans, including a detailed review of the residential mortgage loan applications.

• Conducted DU, Data Verify and running AUS in Encompass

• Advance Support of users diagnosing and resolving issues related to Application Modules.

• Reviews and validates income and asset documentation.

• Analyze customer’s loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.

• Outbound calls to clients and loan stakeholders (Financial Advisors, Real Estate Agents, Title Agents, etc.) to ensure timely communication is made with borrowers at key points in the loan process.

• Perform loan “in closing” tasks including: Verify fees, complete aggregate escrow, verify payoff information; order updated payoffs as necessary.

• Reviewed as analyzed paystubs, bank statements, rental income, self employment, SSI etc.

• Communicated effectively with the AE/AM regarding the file

• Perform loan “in closing” tasks including: Verify fees, complete aggregate escrow, verify payoff information; order updated payoffs as necessary.

• Reviewed and analyzed appraisals and fees

• Reviewed and analyzed title and insurance fees associated with each file

• Completed final conditional approvals; dates of documents are current and before closing and final income calculations.

NATIONAL GOVERNMENT SERVICES (NGS) – Birmingham, AL (40hrs) Financial Accounting Operations Specialist, 10/15 –10/17

• Implemented the verification of CPT Coding and modifiers to ensure claims are correct.

• Trained new employees on updated operations, including work system processes and training guides.

• Ensured information is received, validated using NGS’s Higlas AR system. Quality review of information into systems.

WELLS FARGO – Birmingham, AL (40hrs)

Mortgage Loan Underwriter, 6/11 –3/15

• Average assigned pipeline between 50 loans consistently meeting upload goals set by corporate.

• Underwrite conventional and FHA loans, Analyze customer’s loan-to-value ratio, debt-to-income ratio, credit report application, income and assets, source(s) of down payment funds.

• Assisted in training more than 30 other team members on loan documentation

• Outbound calls to clients and loan stakeholders (Financial Advisors, Real Estate Agents, Title Agents, etc.) to ensure timely communication is made with borrowers at key points in the loan process.

• Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages.

• Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly.

• Provide options and recommendations to borrowers regarding suitable loan programs.

• Stay abreast of current regulations and industry trends that affect compliance and decision-making.

• Verify that system input is accurate and that company systems match Automated Underwriting System (AUS).

• Use expertise to answer questions and resolve escalated issues from junior-level teammates. CADENCE BANK – Birmingham, AL (40hrs)

Deposit Operations, 7/10 – 4/11

• Account opening: New accounts, customer validation, setup, and fulfillment.

• Account servicing: Account maintenance, Transaction processing and exception handling, IRS reporting maintenance, operational report review and follow-up, general ledger balancing, and incoming and return-mail handling.

• Account closing and funds disbursement, Compliance support, Risk-fraud analytics

• Providing support in A/P and A/R while coaching to more than 20 personnel from the Electronic Operations and Item Processing Operations staff

• Implemented multiple system upgrades and business plan project initiatives impacting deposit operations to ensure for a smooth and seamless implementation

• Prepare financial statements, reports to send to main banking branch for customer RMJ & SONS– Birmingham, AL (50hrs)

Payroll/HR Specialist, 5/07 – 7/10

• Explains company personnel policies, benefits, and procedures to employees or job applicants.

• Records data for each employee, including such information as addresses, weekly earnings, logistics, absences, counseling issues, and dates of and reasons for terminations.

• Processes and reviews employment applications to evaluate qualifications or eligibility of applicants.

• Answers questions regarding examinations, eligibility, salaries, benefits, and other pertinent information.

• Examines employee files to answer inquiries and provide information for personnel actions.

• Coaches employees on issues pertaining to conflict resolution and employee performance.

• Knowledge of labor law compliance issues and practices.

• Knowledge of the principles of safety compliance.

• Comply with local, state, and federal payroll regulations

• Maintain employee confidence and protect people and payroll operations by keeping information confidential

• Prepare and process bi-weekly payroll

• Ability to establish and implement new policies and procedures. EDUCATION

MILES COLLEGE – Fairfield, AL

Bachelor of Science in Accounting, May 2, 2015

UNIVERSITY OF PHOENIX- Phoenix, AZ

Master in Psychology, December 5, 2020

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