Credit Risk Management

CINDI FULLER, MAOM

Prescott, AZ 928-***-**** **********@*****.*** linkedin.com/in/cindi-fuller-100bb941/ PROFESSIONAL SUMMARY

A successful Mortgage Lending Professional with greater than 20 years of Underwriting, Operations and Credit Risk Management experience. Successfully manage employees by developing uniform, scalable business models, leadership programs, and operational protocols. Strong leadership skills and ability to think creatively by developing and implementing policies and procedures for efficiency and reducing risk of the organization. Highly skilled at leading team members in critical decisions, excellent quality, performing at a high level of customer service to provide efficiency, and the best customer experience possible.

AREAS OF EXPERTISE

Dynamic Leader Vision and Mission Driven

Organizational Management Sales & Account Management Strategic Planning Organizational Development

Analytical Problem Solver Identifying and Evaluating Threats Financial Analysis and Forecasting Customer Relationship Management Strong Communicator and Influencer Key Performance Indicators (KPI) WORK EXPERIENCE

Loan Depot – Foothill Ranch, CA 2019 – Present

VP Divisional Underwriting Manager

• Responsible for management of Retail Underwriting in Southeast & Pacific Southwest Divisions.

• Directly manage 6 Regional UW Managers and indirectly manage 9 UW Managers, and 110 Underwriters.

• Lead the daily operations of underwriting team(s) in providing quality and service for our internal and external customers, developing partnerships and good working relationships. Worked closely with Sales, Operations, Credit Risk Management, MI Partners, Investors and Agencies.

• Direct teams in credit risk decisions while maintaining efficiencies.

• Conducted regular underwriting meetings to keep everyone apprised of changes in guidelines, policies, and procedures. Managing

• Quality as continued #1 priority day-to-day.

• Provided second level review on more complex underwriting files, and credit denials. Caliber Home Loans – Irving, TX 2013 – 2019

Underwriting Manager

• Managed an Underwriting team in the Consumer Direct Division.

• Directly managed 15-20 Underwriters.

• Directed credit risk decisions while maintaining efficiencies. Maintain and coach quality as the top priority.

• Led the daily operations of underwriting team(s) in providing quality and service for our internal and external customers, developing partnerships and good working relationships. Worked closely with Sales, Operations, Credit Risk Management, MI Partners and Investors and Agencies. Bank of America – Plano, TX 2011 – 2013

National Credit Quality Coach

• Provided coaching, mentoring and feedback regarding improvement overall in quality and compliance.

• Interact and gave feedback to Site Leaders, Underwriting Management, Unit and Operations Managers.

• Conducted site visits; put in place action plans to improve overall quality and communicated best practice.

• Assist with the communication and roll out of key policy and procedure changes.

• Facilitate training and develop learning, conducting training and/or refresher training either directly in a clinic class environment, or one on one. Excellent skills collaborating with team members and business partners. CINDI FULLER, MAOM

928-***-**** Resume P.2 **********@*****.***

Bank of America – Plano, TX 2008 – 2011

VP- Regional Underwriting Manager

• Responsible for management of the day-to-day underwriting in the Region

• Helped assess and work with decision of complex loan files.

• Provided Coaching and Mentoring

• Conducted site visits; partnering with Site Leads and Underwriting Management

• Participated in the development of credit policy and trained teams in a concise and clear manner for sales, operations and underwriting to understand the policies and objectives

• Developed policies to mitigate risk and potential loss in revenue for the company

• Helped with second level reviews for more complex files and for credit denials.

• Developed partnerships and built good working relationships with both internal and external clients and partners. Worked closely with Sales, Operations, Credit Risk Management, MI Partners and Investors and Agencies. Bank of America/Countrywide – Plano, TX 2004 – 2008 AVP- Operations Manager

• Responsible for management of the day-to-day operations; directly managed 38-65 operations staff in a high producing branch with diverse loan products.

• Supervised underwriting, processing, closing, insuring of government loans, and post-close deficiencies.

• Developed and implemented policies to mitigate risk and potential loss in revenue to the company.

• Developed partnerships and good working relationships with our sales partners (worked directly in the branch with sales), as well as with external partners such as borrowers, real estate agents, title company agents, etc. OTHER RELEVANT EXPERIENCE

AVP/Operations Manager, Primary Residential Mortgage (PRMI) AVP/ Operations Manager, MetLife Home Loans

Account Executive (sales), Countrywide Home Loans

Loan Officer (sales), Countrywide Home Loans

Account Manager (sales), Insight Enterprises

EDUCATION

University of Phoenix: MAOM- Master’s in Organizational Management Adam State University: BA in Psychology

Current Certifications: CHUMS/DE Certification, SAR & VA Credit Certifications Current Underwriting Authority Levels: FHA, VA, RD/USDA, Bond Loans, Manufactured Homes, Jumbo, Conventional Authority up to 3 million

Proficiencies: Microsoft Office Applications- Microsoft Word, Excel, and Power Point.

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