AMY S. ALICH

**** ***** **** ****

Concord, CA **521

925-***-****

E-mail: ad4gr8@r.postjobfree.com

CAREER SUMMARY

Mortgage industry professional with over 25 years experience in warehouse lending, processing, funding, underwriting and credit policy. My underwriting experience includes conventional conforming loans (DU/LP), high balance, MI and non-agency jumbo loans (QM and Non-QM). My most recent experience has been exclusively in non-agency credit policy and training (QM and Non-QM).

EXPERIENCE

CROSSCOUNTRY MORTGAGE Cleveland, OH (remote)

Underwriting Trainer September 2023 – November 2023

Coordinate with Underwriting Managers to determine training needs

Create and distribute training materials for multiple Non-Agency investors

Receive guideline updates from investors and update training materials as needed

GUARANTEED RATE INC Chicago, IL (remote)

National Jumbo Credit Oversight Manager March 2021 – July 2023

Create Jumbo Credit Oversight Team as new department

Oversee team of 5

Create scoring metric for reviewing test cases for new hires and seasoned underwriters cross training to new investors

Create jumbo credit policy page to assist underwriters

Create jumbo assessment for new hires

Review all underwriter reviews and determine underwriter readiness for release from second level review

Create reports for upper management on underwriter performance and areas for coaching for all Guaranteed Rate companies

GUARANTEED RATE INC Chicago, IL (remote)

Jumbo UW Training Manager May 2016 – March 2021

Create training materials for new employees of the jumbo underwriting department

Review test cases for new hires

Review test cases for seasoned underwriters cross training to new investors

Assist in creating credit policy for portfolio products

Review complex income scenarios with underwriters

Manage multiple e-mail distribution inboxes for investor guideline questions and scenarios

OPES ADVISORS Pleasanton, CA

Underwriter III March 2014 - May 2016

Underwrite and sign off conditions for jumbo non-agency loans

Adhere to specific investor guidelines and MI overlays

Signing authority up to $3,000,000

Use LP and DU automated underwriting systems

Proficient in Encompass, DataTrac and Blitz Docs

RPM Mortgage Alamo, CA

Senior Underwriter March 2010 – July 2013

Underwrite 2-3 loans per day for jumbo product

Provide loan determination for purchase and refinance transactions (including cash out and rate/term)

Calculate income for salaried, hourly and self employed borrowers utilizing VOEs, paystubs, W-2s and tax returns. When required, analyze complex tax returns with multiple businesses and K-1s

Review credit report for tradeline depth, payment history, judgments, collections and tax liens

Review and analyze title reports for undisclosed liens, unpaid child support and unpaid taxes

Review and analyze appraisal reports checking comps for sale date (within 90 days), location (within reasonable distance based on property type) and similarity (no adjustments over FNMA/FHLMC guides)

RPM MORTGAGE Livermore, CA

Senior Loan Processor March 2007 – March 2010

Set up, review and process conventional and FHA loans to lender guidelines

Set up internal procedures for most efficient work flow from loan agent to processor

Train and mentor loan agent assistants and set up personnel

Manage pipeline of 60-80 loans

DELTA LENDING GROUP Antioch, CA

Senior Loan Processor July 2005 – March 2007

Set up and process approximately 30-40 loans per month

Review conditions to conform to lender guidelines

Coordinate funding of loans with title companies and lenders

Draw docs, fund and ship loans for loans closed with in house lender

WHOLESALE AMERICA MORTGAGE dba California Financial Group Pleasanton, CA

Wholesale Closing Manager May 2004 – July 2005

Set up procedures for efficient work flow of a mortgage bank

Oversee doc drawing, funding and shipping of loans

Prepare investor packages and follow up on post closing conditions for purchase

Oversee training and set up of new investors

Manage multiple warehouse lines

CALIFORNIA FINANCIAL GROUP San Ramon, CA

Senior Loan Processor October 2000 – May 2004

Set up and process approximately 40-50 loans per month

Review conditions to conform to lender guidelines

Draw documents for approximately 20-30 loans per month

Coordinate funding of loans with title companies and lenders

MONUMENT MORTGAGE San Ramon, CA

Broker Liaison April 2000 – October 2000

Manage pipeline and monitor file flow for over 20 brokers

Review and analyze findings from automated underwriting systems

Review and clear conditions for loan packages

Draw loan documents and review funding packages

FIRST COLLATERAL SERVICES Concord, CA

Sr. Account Representative/Team Leader August 1997 – April 2000

Manage daily activities of 5 team members

Train new team members

Guide new customers through funding process of a warehouse lender

Provide daily funding and weekly collateral reports to all customers

Reconcile and balance collateral and wire settlement accounts daily

EDUCATION

INDIANA UNIVERSITY

Bloomington, IN

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