I am contacting you to express my sincere interest in becoming a part of your company. I am hopeful that you will see that I possess the requisite knowledge, skills and abilities that this position requires. I am poised and confident in dealing with clients, management and co-workers on all levels. The interpersonal skills that I possess have laid the groundwork for my success for more than 20 years, while gaining valuable job experience. My strong work ethic has allowed me to develop a reputation for consistently going beyond what is required to get a particular job done. My focus is on excellence in managing all assigned tasks. I possess valuable computer technical skills and am constantly seeking additional knowledge that may be crucial in any organization.

I successfully implemented a comprehensive structure for the Processing Department of a newly established mortgage company. This company, D&M Leasing, renowned for its car dealership, ventured into the mortgage industry and experienced immediate success due to its strong reputation and effective marketing strategies. Recognizing the importance of maintaining client satisfaction, the owners sought to ensure a seamless experience for their customers. To achieve this, I developed a systematic approach that guides clients through every step of the mortgage process. Additionally, I established a schedule for procuring third-party items such as title commitments, appraisals, surveys, and insurance, outlining the appropriate timing for ordering and following up on these items. Furthermore, I meticulously reviewed and verified the files to minimize underwriting conditions, ensuring a high level of accuracy and efficiency.

I am committed to ongoing professional development and consistently seek opportunities to enhance my knowledge and skills. I regularly attend relevant courses to stay updated and well-informed about the latest industry trends and advancements. Recently, I successfully completed a Real Estate Finance class offered by Champions School of Real Estate.

Thank you for considering me for this exciting opportunity and for taking the time to read my attached resume. I feel that this position would be the perfect place to showcase my skills and abilities. Please consider that my resume is only a summary statement and cannot thoroughly describe all of my capabilities. I would welcome the opportunity to speak with you over the phone or in person. I need just a few minutes of your time to convince you that I am the right person for this position.

Sincerely,

Myesha Bowers

Myesha Bowers

Add: Dallas, TX Tele: 214-***-**** Email: ad3f9t@r.postjobfree.com

Summary:

· Experienced as Sr. Loan Underwriter (level)II/ US Govt. Underwriter/Default/HMDA Subject Matter Expert/Quality Assurance Auditor II/ Credit Reviewer Team Manager with a responsibility of reviewing, analyzing, underwriting, and approving loans for applicants who have currently encountered a disaster. Experience performing Audits, compliance, review, or service tasks with Mortgages

· Acted as a SME answering questions about FNMA seller’s guide/guidelines.

· 7 plus years of experience specifically dedicated to regulatory compliance Quality Control Auditor, including the ability to research, review and interpret legal, statutory and regulatory documents

- 20 plus years of mortgage experience, including strong knowledge of mortgage-related documents, Understanding of regulatory topics, concepts, practices and procedures related to the life of a loan (origination, servicing, loss mitigation and default/foreclosure) and Thorough knowledge & understanding of underwriting policies and procedures, including FNMA sellers guide and direct investor guidelines

- Led seminars/power point presentations over regulatory updates/changes in FNMA guidelines; while adhering to internal monthly training courses.

· Ability to handle confidential material in a professional, highly ethical manner

· Strong experience in test transcripts and HEAVY audit experience with default servicing

· Vast knowledge in rendering a credit decision for W-2, Self Employed,1099, and business income employees according to internal and other mortgage lenders policies

· Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals

· Extensive knowledge and experience of mortgage operations/HMDA/funding policies and procedures, including operational risk policies and procedures, audits, and enterprise wide policies and procedures

· Ability to identify Risk, Offsets, and Layered Risk within the initial loan decision

· Certified Scrum Master Assistant– 2+ year as a facilitator for an agile development team (managed the information exchange process)

· Responsible for facilitating, daily scrums, sprint planning, sprint demos, sprint retrospective meetings, scrum of scrum meetings, release planning events, forecast sprint iterations with product owners and concerned business partners, and manage business entire work stream.

Agile Coach --Implemented plans, strategies, and policies to help guide and direct employees (CSM)

· Strong communication and negotiation skills

· Built consensus regarding next steps, tasks, agreed upon rules in order to maximize team’s performance (CSM)

Education:

Ashford University (recent studies)

Champions school of Real Estate / Loan Origination

Cedar Valley Community College Studied Business Finance

Professional Experience:

Client: Digital Risk -Mphasis – Maitland, FL

Duration: May 2020 – December 2022

Position: Remote Mortgage Underwriter

Responsibilities: Contract with Bank of America and Wells Fargo

Perform Research and audit files

Frontline UW responsible for analyzing and approval loans for applicants

Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates

Reviewed/analyzed and verifying borrowers’ income, assets, collateral, fully executed tax returns, entitlement letters, credit reports, title reports, employment histories, property appraisals, escrow information, and title insurance information to fully decision loans while reducing risk, along with coaching lower-level JR. Underwriters on compliance within company policies, underwriting guidelines and lending-program requirements

Rendered lower level underwriters QA audits and findings after the initial decision of files

Reviews loan application data and credit files on a monthly basis for accuracy in reporting consistent with the requirements of the Reg B/Reg X SLA requirements.

Ensures the HMDA LAR is accurate within thirty calendar days after the end of each calendar quarter.

Assists in the update of HMDA policies and procedures as warranted.

Analyzes loan data and prepares reports and maps upon request utilizing CRA Wiz software.

Adheres to all applicable compliance regulations, including BSA, BPA and. to Financial Privacy.

Worked with various Systems: Agent Desktop, Default Workflow, Arc Reactor, Data Verify, FHA Connection, IVault, LISA, LPS Desktop, SAM, LDP, USDA LINC, Infosource, KROLL Factual Data, Collateral Management Systems, and numerous other Underwriting processing applications

Client: JPMorgan Chase – Lewisville, TX

Duration: April 2011 – November 2018

Position: Quality Control Auditor/Underwriter

Responsibilities:

Perform Research and audit files

Analyze complex moderate information

Develop and present recommendations to constituents

Work with or oversee the work of outside business partners, etc

Perform risk analysis and made decisions regarding deficiencies during the audit process

Accurately recorded data and reviewed conclusions in QAS (Quality Assurance System)

Maintained Quality of 100% accuracy in audit findings

Served as a SME answering questions about policy and procedures

Excellent verbal and written communication skills and possess a high degree of attention to detail

Underwriting

Experience with income analysis which includes exposure to reviewing Self-employment, Corporate, and Partnerships tax returns; Advanced asset analysis and experience working with all types, and experience with layering risk and evaluation

Acted as the special point of Contact (SPOC) between the closer and loan processor when relaying the loan decision.

Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates

Reviewed/analyzed and verifying borrowers’ income, assets, collateral, fully executed tax returns, entitlement letters, credit reports, title reports, employment histories, property appraisals, escrow information, and title insurance information to fully decision loans while reducing risk, along with coaching lower-level JR. Underwriters on compliance within company policies, underwriting guidelines and lending-program requirements

Rendered lower level underwriters QA audits and findings after the initial decision of files

Reviews loan application data and credit files on a monthly basis for accuracy in reporting consistent with the requirements of the Reg B/Reg X SLA requirements.

Promote empowerment of the team, ensure that each team member is fully engaged in the project and making a meaningful contribution, and encourage a sustainable pace with high-levels of quality for the team

Coordinates with various departments within the Bank to resolve any inconsistencies in loan data and recommends changes as warranted that will ensure the efficiency and accuracy in Processing.

Stays up-to-date with the bank’s lending practices and procedures in order to perform a thorough and accurate comparative loan analysis.

Assists Equal Credit Compliance Officer in preparation of periodic reporting, annual HMDA submission, regulatory examinations or ad-hoc assignments as required.

Reports any potential concerns about non-compliance with HMDA regulatory requirements.

Client: Bank of America - Plano, TX

Duration: November 2009 – April 2010

Position: Mortgage Processor II

Responsibilities:

Review Loan Packages, underwriting guidelines, or data files to identify the documentation necessary for the review

Capture required information from policy and procedures to assist with decision making per loan applicant

Reviewed/analyzed and verifying borrowers’ income, assets, collateral, fully executed tax returns, entitlement letters, credit reports, title reports, employment histories, property appraisals, escrow information, and title insurance information to fully decision loans while reducing risk, along with coaching lower-level JR. Underwriters on compliance within company policies, underwriting guidelines and lending-program requirements.

promote empowerment of the team, ensure that each team member is fully engaged in the project and making a meaningful contribution, and encourage a sustainable pace with high-levels of quality for the team

Additional Skill/ Certified

Client: Jerry’s Tires Services - Dallas, TX

Duration: Jan 2023 -Present

Position: Certified Scrum Master

Responsibilities:

Responsible for facilitating scrum framework, daily scrums, sprint planning, sprint demos, sprint retrospective meetings, scrum of scrum meetings, release planning events, forecast sprint iterations with product owners and concerned business partners, and manage business entire work stream

Servant leader supporting and transforming the Product Owner, Agile Team and Delivery services into self-organizing teams.

Define and manage a well-defined project management process and champion ongoing process improvement initiatives to implement best practices for Agile Project Management. Implement structure changes and strategies that are generated by scrum retrospectives Assisted Business analyst team with system testing/ implementation of future projects and products

Kept the team focus and shield them from outside distractions

Client: Next Generation Fitness - Dallas, TX

Duration: July 2019 -April 2020

Position: Certified Scrum Master

Responsibilities:

Support the Product Owner in managing customer expectations for project deliverables, managing stakeholder communications, and helping to implement an effective system of project governance

Work collaboratively with product owners, team members, and management to achieve delivery goals

Assist in team development while holding teams accountable for their commitments, removing roadblocks to their work; leveraging organizational resources to improve capacity for project work; and mentoring and developing team members. Run daily, weekly and monthly agile rituals efficiently and strictly

Conducted effective meetings that are punctual and that have a clear objective

Kept a positive attitude Create and maintain work visibility, (boards, agile tools, and charts)

Assist the product owner in maintaining product backlog writing and breaking down user stories

References available upon Request

Contact this candidate