Cheryl Supplee

Schwenksville, PA *****

ad3zoe@r.postjobfree.com

+1-610-***-****

Looking for a position where experience in real estate, mortgage, sales, marketing, management, process improvement, organization and problem-solving skills may be utilized. Authorized to work in the US for any employer

Work Experience

Home Health Aide

HAH - Lansdale, PA

August 2022 to Present

Ensuring the health and safety of a child in a home setting while teaching basic skills and life skills on a daily basis. Providing daily reports, updating reports and ongoing education classes to ensure policy and procedures are followed.

Monthly meetings to ensure compliance with state and county laws. Completing surveys as needed. Mortgage Underwriter

Lakeview Loan Servicing, LLC. - Fort Washington, PA June 2018 to August 2022

Reviewing Mortgage applications and underwriting Conventional full document loans, analyzed appraisals, credit reports, income, personal and business tax returns, Profit & Loss statements, and bank statements. Appointed to make decisions on Project reviews and Collateral reviews of appraisals, Fraud reports, Flood certificates, title commitments, tax certificates, and Homeowners insurance. Completed Credit analysis to make recommendations and approve or reject applications. Applied property and credit underwriting requirements, Reviewed Self Employment income, rental and investment property income, and non-employment income such as Business Analysis, Business Tax Returns and P & L statements, etc. Added conditions for loan processors to obtain required items from borrowers, conditional and final approval of loans, running AUS, updating Encompass and signing and uploading documents. Also Reviewed VA IRRRL loans, trained new employees, assisted in quality reviews, assigned loans, participated in project management and special projects. Special projects included reviewing Correspondent and Consumer Loans, HFA loans, down payment assistance, purchase assistance and high-cost loan review.

Government Insuring Analyst

Lakeview Loan Servicing, LLC. - Fort Washington, PA June 2015 to June 2018

Developed onboarding processes, trained new team members and proactively identified process improvements. Second level review of closed loan binders to ensure compliance with FHA and VA guidelines to determine insurability of the loan prior to sending the loan to the specified insuring agency. Maintained a high level of quality, quantity review and submission. Reviewing the loan documents, note, mortgage, CD, LT, application addendums, payoff, pay histories, SSN verification, bank statements, credit reports, and flood cert. Provided a breakdown of the payoff and re-calculating the max calculation sheet to ensure there are no loan overages or principal reductions required. Provided Escrow Closeouts to the underwriters, requested curtailments for max loan overages, and submitted loans in a timely manner.

Compliance Analyst- Operations

Radiant Systems, Inc./First Niagara Bank - Harleysville, PA June 2013 to June 2015

Worked with senior management to develop best practices for file review and audit completion. Reviewed files to ensure compliance with federal regulations. Assisted with audits while researching client files to identify potential issues requiring action related to TIN and EIN numbers and guidelines from the IRS. Assisted corporate office with merging profiles, correcting tax IDs, opened and processed Landlord Lease accounts and Tenant accounts. Title Examiner/Reviewer

Freedom Mortgage - Marlton, NJ

August 2012 to June 2013

Reviewed and analyzed title reports, mortgage applications and credit reports to identify potential issues prior to closing. Added exceptions and assigned problems or issues to appropriate department to resolve. Corrected vesting, legal description, liens, and added all state requirements. Government Insuring Analyst

Ally Bank (Ft. - Washington, PA

September 2011 to August 2012

Managed pipeline and resource allocation for government insuring. Developed policies and procedures to increase efficiencies and assist with cost reduction. Reviewed final signed loan documents to send to FHA and VA for Audit Purposes. Ensured documents were in compliance with all HUD and VA requirements, obtained all missing documents internally, through borrowers, or via third parties. Made corrections, updated internal systems, resubmitted docs for review. Cross-trained with Capital Markets and the Pricing Desk. Approved or Declined rate extension requests, rate reduction or rate increase requests. Updated systems based on approvals, sent approvals to proper parties and noted approvals to systems notes with reasoning of approval or denial and responsible party. Reviewed pricing desk procedures and processes for improvement in efficiencies and elimination of redundancies.

Executive Resolution Specialist

Ally Bank - Washington, PA

December 2010 to September 2011

Resolved all escalated customer complaints received via call center, forwarded calls, team leaders, written customer letters, and social media complaints as well as via BBB and FDIC complaints. Prepared written customer correspondence on behalf of the President’s office, ensured proper policies and regulations were followed, reviewed data integrity, and prepared audit trail. Worked with manager on process improvement and procedures, researched and recommended resource sites. Provided updates to processing errors, provided training opportunities, and tracked new trends. Assisted all departments as needed as a backup for all escalated issues. Learned all positions within the bank in order to improve training and understand customer complaints. Realtor

Coldwell Banker Preferred - Blue Bell, PA

June 2006 to December 2010

Assisted clients who were buying and/or selling residential properties, rentals, commercial properties, and land sales. Reviewed inspections, appraisals, and contracts. Negotiated contracts and made adjustments or addendums while meeting deadlines. Worked with mortgage loan officers and processors to review down payment assistance programs, requirements and financial worksheets. Provided comparative market analysis, conducted open houses, and created personal advertising via magazines, postcards, phone calls, flyers, and broker tours to promote sales. Consistently producing high sales resulted in being promoted to preferred relocation specialist for the office. Worked with veterans and their families to help support them in gaining all the financial support they were entitled. Assisted with title and mortgage offices with processing of loan information.

Education

Certification in Project Management

Another Course To College

August 2022 to November 2022

Some college in Business Finance

Penn State University

1994 to 1996

Diploma

Norristown Area High School

1994

Skills

• Account Management

• Business Analysis

• Market Analysis

• Underwriting

• Process Improvement

• Agile

• Scrum

• Microsoft Excel

• Analysis skills

• Sales

• Communication skills

• Investment

• Title Processing

Certifications and Licenses

Certified Project Manager

Chartered Financial Analyst

CFP

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