SHANNON K. DREW-WADE

ad3tza@r.postjobfree.com

*** ******** **., ******* *****, KY 42103

270-***-****

EXPERIENCE:

October 2022-present Hill Motley Lumber - Bowling Green, KY

Customer Care Specialist

●Assist customers with billing questions and issues

●Maintain and process all Accounts Payable records and payments

●Maintain petty cash, cash drawer and prepare deposits

●Process customer invoices and statements

●Receive payments from customers and reconcile accounts

●Open new credit accounts

2018-2022 Republic Bank - Louisville, KY (Remote)

Underwriter III. DE, VA/LAPP, SAR Certifications

●Review credit packages provided by Loan Originator including but not limited to Appraisal and Mortgage Insurance to make sure complies with mortgage loan guidelines for Portfolio, Fannie Mae, Freddie Mac VA, USDA, Secretary of Housing and Urban Development and investor overlays.

●Made recommendations regarding risk involved to make final decision to approve or deny loan.

●Communicate with Loan Officer and Processors regarding file process including updates to guidelines, loan scenarios, and overhaul helpfulness to get an approval email file.

●Work independently to meet production goals of 25 files per month and clearing all submitted conditions within 24 hours from receipt.

2016-December 2017 Guaranty Trust Company - Murfreesboro, TN

Wholesale Conventional Underwriter/ DE Underwriter (Remote)

●Review credit package provided by Correspondent Lender or Mortgage Broker including and not limited to Appraisal or Mortgage Insurance to make sure complies with mortgage loan guidelines per Fannie Mae, Freddie Mac, USDA and Secretary of Housing and Urban Development.

●Make recommendations regarding risk involved to make final decision to approve or decline the loan.

●Communicate with Mortgage Broker, Correspondent Lender regarding file process including updates to guidelines, loan scenarios, overall helpfulness to get an approvable file.

●Actively training test cases to earn LAP and SARR for Veterans Administration Loan approval.

●Work independently to meet production guidelines of clearing all loan conditions within 24 hours from receipt, as well as, minimum of 12 new underwrites per week.

2015-December 2015 Radian Group – Philadelphia, PA

Contract Mortgage Underwriter (Remote)

●Complied with mortgage loan guidelines per Fannie Mae, Freddie Mac, Radian Mortgage Insurance and various investors and provide recommendations regarding risk involved, make final decision to approve or decline the loan.

●Reviewed all components of the credit package provided by lender including review of Appraisals and Mortgage Insurance.

●Worked independently to meet production guidelines of clearing all conditions for loans submitted per day, as well as, minimum of 2 new underwrites per day.

2012-2015 STOCK YARDS BANK & TRUST COMPANY – Louisville, KY

Conventional / DE Mortgage Underwriter/ Jumbo Loans

●Assessed the quality of the mortgage loan per guidelines, manual underwriting and automated underwriting systems that analyzed the various aspects of the mortgage and provided recommendations regarding the risk involved, then made final decision on whether to approve or decline a loan for portfolio and secondary market loans.

●Assisted Mortgage Loan personnel with product guidelines, required loan documents and approval conditions changes and provide awareness guidelines changes from various investors.

●Complied with Investor guidelines and Departmental and Bank policies when performing a review of the mortgage loans. Analysis of credit documentation, review of appraisal, and compliance for Freddie Mac, Federal Home Loan Administration, Fannie Mae Guidelines and investors overlay guidelines to deterring the risk of offering a mortgage loan to a particular borrower under certain parameters are acceptable.

2009-2012 HANCOCK BANK & TRUST COMPANY – Bowling Green, KY

Conventional Mortgage Underwriter for Secondary Market

●Review and audit loan files for completeness and accuracy, analyzing credit documents, including but not limited to, mortgage applications, credit history and income documents, title documents, appraisal and all compliance documents.

●Evaluated debt ratio, loan to value ratios, credit score, property valuation and various other factors to determine and document loan conditions and communicating requirements and/or decisions.

●Adhere to all Freddie Mac guidelines, policies and procedures in addition to Federal, State, and municipal laws and regulations to prevent fraud and other potential portfolio risk.

EDUCATION & PROFESSIONAL CERTIFICATION: Graduated 1995 Western KY University General Studies with emphasis on Bank; Direct Endorsement Certification for HUD, VA/LAPP, SAR Certifications.

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