SKILLS

EXPERIENCE

Colleen Wittmier

714-***-**** ad3cyo@r.postjobfree.com Franklin, TN 37064

Organized nancial services professional with strong track record of successful high-volume application approvals. Proven ability to analyze detailed nancial information and identify potential nancial risks. Demonstrated aptitude for working collaboratively with clients to maximize their nancial opportunities.

• Loan Restructuring • Non-Prime Markets

• Government Lending • Desktop Underwriter

• Real Estate Title Concepts • Loan Modi cation

• Complex Problem-Solving • Fraud Prevention and Detection

• Regulatory Disclosure Preparation • Jumbo and Super Jumbo Loans BUSINESS MANAGER

Nordstrom

Franklin, TN

June 2022 - Present

• Establish key performance indicators to track progress of business objectives and goals.

• Resolve customer complaints in a professional manner.

• Participate in team meetings to discuss strategies for increasing sales volumes.

• Develop and maintain relationships with customers to ensure repeat business. REMOTE MORTGAGE UNDERWRITER II

Nationstar Mortgage LLC Mr. Cooper

Santa Ana, CA

March 2015 - June 2022

• Underwrote conventional loans. Pro cient with AUS DU and LP and Encompass. Responsible for credit and collateral evaluation, clear conditions to ensure compliance with Fannie Mae and Freddie Mac investor standards with the company overlay guidelines.

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• Pro cient in reviewing and understanding complex income documents including personal and corporate tax forms.

• Underwrite appraisals for soundness of value, including multi unit. MORTGAGE UNDERWRITER

Nations Direct Mortgage

Irvine, CA

July 2014 - March 2015

Underwrote credit and collateral, cleared conditions to ensure compliance with FNMA and FHLMC investor standards with the company overlay guidelines.

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Obtained and compiled copies of loan applicants' credit histories, corporate nancial statements and other nancial information.

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Approved loans within speci ed limits and referred loan applications outside those limits to management for approval.

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• Reviewed and approved condo project management (CPM) approvals for the Underwriting department. CERTIFICATIONS

MORTGAGE UNDERWRITER 3

Wells Fargo Home Mortgage

Santa Ana, CA

April 2012 - October 2013

Collaborated with internal departments such as Processing, Funding and Closing to ensure a smooth transaction process from start to nish.

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Reviewed and evaluated loan applications to determine creditworthiness of applicants, ensuring compliance with state and federal regulations.

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Analyzed nancial data including income statements, balance sheets and tax returns to determine borrower's ability to repay the loan.

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Conducted detailed analysis of complex mortgage loans in accordance with Fannie Mae and Freddie Mac guidelines.

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CONTRACT MORTGAGE TRAINER FOR LOSS MITIGATION

TEAM

Training Folks/Bank of America

Cary, NC

June 2011 - January 2012

• Researched best practices in the eld of instructional design and applied them accordingly.

• Developed and delivered comprehensive training programs to diverse groups of employees in a corporate setting.

• Scheduled and taught in-class and online courses to increase employee learning.

• Conducted pre- and post-training assessments to measure the impact of training. PROCESSOR, TRAINER & SME

Wells Fargo Home Mortgage

San Bernardino, CA

January 2009 - May 2011

Processed loan applications, including verifying customer information, preparing documents, and ordering third- party services.

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Conducted detailed reviews of borrower's credit history, income statements and other nancial information to ensure accuracy.

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• Created custom learning materials that were tailored to the needs of each trainee.

• Leveraged expert functional knowledge and experience to promote business projects or processes.

• Six Sigma Certi cation

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