STACEY LYNN LOPATOWSKI

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

Fort Collins, CO

80525

Phone: 970-***-****

Email: ad2z5y@r.postjobfree.com

EDUCATION

****-**** ********** ** **. Thomas St. Paul, MN

****-**** *******ity of Phoenix Albuquerque, NM/Fort Collins, CO. 1993-1995 TVI-Technical/Pima Medical

Albuquerque, NM

1989-1993 Hope Christian High School Graduate

Albuquerque, NM PROFESSIONAL EXPERIENCE

ACTIVE DE CHUMS AND VA SARS SINCE

2003

CITY OF FORT COLLINS

(May 2023-Present) Accounting Specialist-Daily reconciliation for all accounts within the City of Fort Collins. Each account was analyzed for daily transactions and balanced precisely. Researched all transactions that were not accounted for within the daily report systems. Worked daily on the broadband system for all electronic activity from personal and business clients. Reason for leaving: Contract ended. INTERWISE

(December 2022-April 2023) Financial Account Manager-Audited financial accounts on a daily basis for large transaction accounts. Risk analysis reports for new business clients and partners. Daily accounting reconciliation for 20+ accounts for each transaction debit/credit throughout the day. Analyzed each account for fraud or suspicious activity. Reason for leaving: Contract ended. BAY

EQUITY

(October 2021-September 2022) Underwriter- Approve or deny mortgage loans, following FNMA & FHLMC standards. Review information on mortgage loan documents to determine if the buyer, property and loan documents meet conforming, non-conforming and lender specific guidelines. Acquire knowledge of standards and changes for lender specific programs and regulate all compliance standards. Communicate effectively with loan officers and oan processors regarding approval or denial of a loan and answer questions to specific guidelines. Underwrite Refer, FHA a on a daily basis. Reason for leaving: 34% reduction in staff.

CALIBER HOME LOANS

Loveland, CO

(October 2020-June 2021) Underwriter- Approve or deny mortgage loans, following FNMA & FHLMC standards. Review information on mortgage loan documents to determine if the buyer, property and loan documents meet conforming, non-conforming and lender specific guidelines. Acquire knowledge of standards and changes for lender specific programs and regulate all compliance standards. Communicate effectively with loan officers and loan processors regarding approval or denial of a loan and answer questions to specific guidelines. Underwrite Refer, FHA, VA, Bond & Rural Housing loans on a daily basis. Reason for leaving: Contract ended in June. BANK OF COLORADO

(July 2019-July 2020) Underwriter- Approve or deny mortgage loans, following FNMA & FHLMC standards. Review information on mortgage loan documents to determine if the buyer, property and loan documents meet conforming, non-conforming and lender specific guidelines. Acquire knowledge of standards and changes for lender specific programs and regulate all compliance standards. Communicate effectively with loan officers and loan processors regarding approval or denial of a loan and answer questions to specific guidelines. Underwrite Refer, FHA, VA, Bond & Rural Housing loans on a daily basis. Reason for leaving: With them for 7 years. They moved their corporate office three hours away round trip.

AMERICAN FINANCING, SYNCRONY BANK, CORNERSTONE

MORTGAGE,LLC., 8Z MORTGAGE AND WAYFAIR INVESTMENTS, LLC.

(August 2017-2019) Independent contract underwriter, Processor, Loan Officer Assistant and researcher. Work with each company individually for individual needs in underwriting, processing, assistant and researching. Work mainly on a pipeline daily for underwriting. Worked occasionally on loans for processing and assisting to get loans into processing. Help to research title companies for unique transactions and negotiate mortgages in distress. Reason for leaving: Contract underwriter.

PACIFIC UNION FINANCIAL, LLC

(July 2016-July 2017) Senior Underwriter- Approve or deny mortgage loans, following FNMA & FHLMC standards. Review information on mortgage loan documents to determine if the buyer, property and loan documents meet conforming, non-conforming and lender specific guidelines. Acquire knowledge of standards and changes for lender specific programs and regulate all compliance standards. Communicate effectively with loan officers and loan processors regarding approval or denial of a loan and answer questions to specific guidelines. Underwrite Refer, FHA, VA, Bond & Rural Housing loans on a daily basis. Team lead for twelve additional underwriters that worked remotely. Lead weekly team meetings and was the lead for second level reviews for suspended and declined loans. Reason for leaving: Bought out by Mr. Cooper. CORNERSTONE HOME LENDING/ABA THE GROUP MORTGAGE

(July 2014-July 2016) Underwriter- Approve or deny mortgage loans, following FNMA & FHLMC standards. Review information on mortgage loan documents to determine if the buyer, property and loan documents meet conforming, non-conforming and lender specific guidelines. Acquire knowledge of standards and changes for lender specific programs and regulate all compliance standards. Communicate effectively with loan officers and loan processors regarding approval or denial of a loan and answer questions to specific guidelines. Underwrite Refer, FHA, VA, Bond & Rural Housing loans on a daily basis. Reason for leaving: Promotion to Underwriting Manager. BANK OF COLORADO

(May 2013-July 2014) (July 2019-July 2020) Underwriter- Approve or deny mortgage loans, following FNMA & FHLMC standards. Review information on mortgage loan documents to determine if the buyer, property and loan documents meet conforming, non-conforming and lender specific guidelines. Acquire knowledge of standards and changes for lender specific programs and regulate all compliance standards. Communicate effectively with loan officers and loan processors regarding approval or denial of a loan and answer questions to specific guidelines. Underwrite Refer, FHA, VA, Bond & Rural Housing loans on a daily basis. Reason for leaving: Main office moved three hours away round trip. CLAYTON HOLDINGS

(Oct 2012-May 2013) Underwriter- Manually underwrote all FNMA & FHLMC relief refinance loans. Underwrote all Texas loans and helped train on specific Texas guidelines. Communicate successfully between loan officers, branch managers, underwriters and closers. Help loan officers structure complete loans to get them in and out of underwriting quickly. Answer questions for new processors and help with continued training and company policy updates. Reason for leaving: Contract Underwriting. COBALT MORTGAGE

(May 2012-Oct 2012) Lead Processor/Manager- Hire and train all processors in Region IV & V. Process and close all FHA, VA, FNMA & FHLMC loans. Communicate successfully between loan officers, branch managers, underwriters and closers. Help loan officers structure complete loans to get them in and out of underwriting quickly. Answer questions for new processors and help with continued training and company policy updates. Carry a processing pipeline of 25 or more loans. Reason for leaving: Contract ended.

BANK OF COLORADO

(February 2008-May 2012) Underwriting Manager/Assistant Vice President- Approve or deny mortgage loans, following FNMA & FHLMC standards. Review information on mortgage loan documents to determine if the buyer, property and loan documents meet conforming, non-conforming and lender specific guidelines. Acquire knowledge of standards and changes for lender specific programs and regulate all compliance standards. Communicate effectively with loan officers and loan processors regarding approval or denial of a loan and answer questions to specific guidelines. Provide training to underwriters, loan specialists/processors, junior underwriters, loan officers and team leads. Underwrite Refer, FHA, VA, Bond & Rural Housing loans on a daily basis. Underwriter supervisor to the underwriting staff to help make underwriting decisions and provide guideline updates/training. Reason for leaving: Main office moved three hours away round trip.

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