MANDY

BELLAMY

ad4l7s@r.postjobfree.com

817-***-****

North Richland Hills, TX 76180

Strategic Mortgage Collateral Underwriting Professional with Credit Underwriting background, offering expertise in property valuations and property eligibility. Extensive experience in driving productivity while maintaining quality on files and communication. Well-versed in developing quality talent and customer focused teams. Highly skilled in applying market knowledge and task efficiencies to improve performance. Dedicated and dependable with proven success in implementing cost-reduction mortgage solutions, while driving the skills and knowledge to resolve complex issues and challenges. Experience in multiple levels of Mortgage Operations including Management, Origination assistance, Processing, Underwriting, Auditing, Post-Closing, Compliance, Appraisal Training, and Promotional Public Speaking. PROFESSIONAL SUMMARY

2022 Excellence of Quality Award – NTFN, Inc.

2020 Excellence of Quality Award - NTFN, Inc.

2019 Team Spirit Award – NTFN, Inc.

2017 Excellence of Quality Award - NTFN, Inc.

2013 Excellence of Quality Award - Fidelity National Financial AWARDS

DE CHUMS #HT72

VA SAR #019942

USPAP

Published Author

ACHIEVEMENTS

NTFN, Inc. - Senior Collateral Underwriter

Plano, TX • 01/2013 - 12/2023

- Assist Processing and Underwriting with appraisal questions and issues

- Provide Loan Officers with upfront value estimates for prospective clients

- Research properties for eligibility issues or loan program eligibility for Loan Officers

- Answer all general property questions for all business partners daily with "Property Q&A's Sessions"

- Underwrite all high-risk appraisals

- Manage Collateral Team daily with production managing, training and appraisal education

- Assist with reconciling all Investor appraisal suspense issues and rebuttals

- Assist branches with difficult appraisal ordering issues and situations

- Administration issues and updates for all AMC's

- Reconsideration of Value requests, including helping with value negotiations and explanations to help maintain relationships with Loan Officers, Realtors, Borrowers, and Appraisers, and always providing RECENT EMPLOYMENT

SKILLS

• Building Relationships

• Operations and Procedures

Develop and Manage Company

Appraisal Management Process

and Procedures

•

• Detail Oriented

• Culture Driven

• Communication

Building Strategic Business

Relationships

•

• Goal Oriented

• Self Motivated

• Encompass

• Data-Trac

• Calyx Point

• Mercury Network Administrator

• Fannie Mae Administrator

• HUD/FHA Administrator

Appraisal Management Company

(AMC) Administrator

•

• High Risk Appraisal Reviews

• Investor Repurchase Rebuttals

• Property Value Negotiations

Property Value Estimate

Proposals

•

Agency, State, and Federal

Regulations and Statues,

including prospective Local Code

and Regulations (extensive -

details provided upon request)

•

Knowledge on property

requirements for all Mortgage

Loan Products and Appraisal

Types

•

• FHA DE Certified

• VA SAR

• Microsoft Office Products

• USPAP Rules and Regulations

Fannie Mae Collateral

Underwriter

•

Freddie Mac Loan Collateral

Advisor

•

Fannie Me UAD Requirements

(Appendix D)

•

HomeGenius / Red Bell Real

Estate (MLS Database)

•

Champions School of Real Estate -

Uniform Standard of Professional

Appraisal Practices (USPAP)

HUD/FHA - Appraising FHA Today

McKissock – Unique Housing

McKissock – Appraising Todays

Manufactured Housing

McKissock – Appraisal Quality –

Understanding Fannie Mae Collateral

Underwriter (CU)

Uniform Appraisal Standards –

Fannie Mae Appendix D 1.6

HUD – DE Underwriting

VA – Senior Appraisal Review (SAR)

EDUCATION &

CERTIFICATIONS

Fidelity National Financial, JP

Morgan Chase

2012 - 2013

Senior Collateral Underwriter

Bank Of America

2010 - 2012

Loan Underwriter / Auditor

Service First Mortgage Company

2009 - 2010

Processing Team Lead / Junior

Underwriter

VanDyke Mortgage

2008 - 2009

Operations Processor

JP Morgan Chase

2004 - 2008

Processor / Team Lead / Quality &

Production Board

PREVIOUS EMPLOYMENT

supporting documentation.

- Develop and maintain relationships with Appraisers, specifically for the purpose of ensuring they will work with us more eagerly when we need favors, or special requests, etc., which our business depends on.

- Stay current on all appraisal industry changes with each Agency, State, Federal, and USPAP (including general appraisal industry updates from multiple appraisal forums)

- Field Review Rebuttals and Disputes for our compliance department

- Complete all out-going appraisal transfers, including collection of outstanding fees and ensure the transfer is fully documented and compliant for auditing purposes.

- Provide underwriting with market rent analysis when rental income is not being used to qualify.

- Providing customized AVM's for VA refi transactions

- Implement and write all corporate appraisal documents and appraisal request forms, including “Disciplinary Appraiser Process & Procedure (4 step legal process) – NTFN AIR Policy – Appraisal Review Checklists (all loan product types) – Appraiser Engagement Letters (all product types)

– Appraisal Review Process – Appraisal Transfer and Release Letters – Processing Appraisal Policy and Procedures”

- Provide responses and data to Compliance for Audits

- Update and monitor Investor exclusionary lists an ensure Locks is notified on any investor specific salability issue.

- Help resolve, rebut any appraisal suspense items including Repurchase rebuttals.

- Realtor business relationship event planning (Lunch & Learn promotional events)

Amanda Crouch, Underwriter 214-***-****

Heather Thomas, Underwriter 214-***-****

Brad Foster, Appraiser 214-***-****

Erik Nelson, AMC President 651-***-****

Chuck Pearson, Loan Officer 614-***-****

Brandi Gross, Loan Officer 817-***-****

Deann Preston, Quality Control Analyst 817-***-**** Melanie Brown, Loan Officer 863-***-****

Steve Griffin, Appraiser 940-***-****

Timothy Backer, Appraiser 863-***-****

Monica Dorman, Appraiser 214-***-****

Jaclyn Niehaus, Underwriting Manager 214-***-****

Additional references will be provided upon request. BUSINESS REFERENCES

Contact this candidate