SHELLEY A. TYLER

**** ******* ***** ***** - ******* Mill, Maryland 21244

adbuc1@r.postjobfree.com

443-***-****

OBJECTIVE

Energetic, efficient professional with extensive experience and knowledge of VA, FHA and Conventional underwriting seeks opportunity to join a company where hard work and good attitude are recognized and rewarded.

PROFESSIONAL EXPERIENCE

Ourisman Automotive Group Laurel, MD

Sales Consultant Mar 2019 – present

Maintain strong knowledge base of all new vehicle makes and models

Interact and consult with customers to guide them through their vehicle purchase

Create the best vehicle-buying experience to make lifelong customers

Test drive vehicles to demonstrate automotive features

Establish personal goals that are consistent with dealership standards of productivity and devise a strategy to meet those goals

Complete quotes, return email/voicemail, other...Maintain strong knowledge base of all new vehicle makes and models

Responsible for new business prospecting

Networking in order to prospect new business

Build and maintain strong positive customer relationships

Ability to work in fast paced environment independently as well as team player

Strong communication, presentation, interpersonal and organizational skills

Homeside Financial Columbia, MD

Mortgage Underwriter III Apr 2018 – Aug 2018

Responsible for preparing detailed and critical analysis of the loan packages for FHA and Conventional loans.

Exceed company expectations by delivering 30 to 35 underwritten loans each month following FHA, Agency and Investor Guidelines.

Maintained 24 hour turn time for new underwrites and 48-hour turn time for conditions

Demonstrate Effective, verbal and written communication skills

Maintained excellent relationships with LOs, processing, closing, post-closing and secondary marketing,

Review highly sensitive credit, income and asset documents to determine applicant’s capacity to repay.

Review Appraisals, Insurance documents, Title commitments, sales contracts, Tax bills, Subordination agreements, Surveys, Termite reports, Powers of Attorney and Trust documents.

Decisioned approvals, suspensions, counter offers and denials

SunTrust Mortgage Columbia, MD

Mortgage Underwriter III Oct 2016 – Nov 2017

Responsible for preparing detailed and critical analysis of Conventional loan packages for builder division.

Responsible for underwriting overflow Purchase and refinance loans for off-site offices in Atlanta, Ga and Rockville, MD

Exceed company expectations by delivering 40 to 45 underwritten loans each month following Agency and Investor Guidelines.

Maintained 24 hour turn time for new underwrites and 48-hour turn time for conditions

Maintained excellent inter and intra-office relationships with Collateral Underwriters, processing, closing, post-closing, secondary marketing, Loan Officers, sales managers and processing managers.

Submitted loans to MI companies for underwriting when necessary

Decisioned approvals, suspensions, counter offers and denials

Maintained status reports on loans received each month

Southern Trust Mortgage Ellicott City, MD

DE/SAR Underwriter Sept 2014 – Sep 2016

Responsible for underwriting and approving VA, FHA and Conventional mortgage loans for purchase and refinance.

Review debt, income and asset documents to determine applicant’s capacity to repay.

Review of all documents; determine if borrower meets company/investor guidelines and federal/state rules and regulations.

Knowledge of FHLB, North Carolina Housing, DC Housing, Maryland Mortgage Program and various other down payment assistance programs.

Maintained pipeline of 45 – 50 loans monthly, while adhering to 24-hour new loan turn time and 48-hour conditions turn time

Howard Bank Timonium, MD

DE/SAR Underwriter Feb 2014 – Sept 2014

Review FHA, VA and Conventional mortgage loans for purchase and refinance.

Review appraisal to confirm property value;

Review credit, income and asset documents to determine applicant’s capacity to repay.

Determine if borrower meets company/investor guidelines and federal/state rules and regulations.

Knowledge of FHLB, North Carolina Housing, DC Housing, Maryland Mortgage Program and various other down payment assistance programs.

Maintained pipeline of 45 – 50 loans monthly, while adhering to 24-hour new loan turn time and 48-hour conditions turn time

1st Mariner Bank Baltimore, MD

DE/SAR Underwriter Jan 2013 – Aug 2013

Underwrite Conventional, FHA and VA guaranteed loans for purchase and refinance transactions.

Review appraisal to confirm property value.

Analyze debts and credit history to determine applicant’s capacity to repay.

Provide technical review of all documents; determine if borrower meets company/investor guidelines and federal/state rules and regulations.

Demonstrate Effective, verbal and written communication skills

American Federal Savings Bank Greenbelt, MD

DE/SAR Underwriter Mar 2008 – Dec 2012

Underwrite Conventional, FHA and VA loans for purchase and refinance transactions.

Reviewed appraisal, income, asset, credit, insurance, title and supporting documents, insuring loans meet various lender, FHA, VA, FNMA and FHMC guidelines.

Maintained pipeline of 45 – 50 loans monthly

Decisioned approvals, suspensions, counter offers and denials

Demonstrated a commitment to learning all aspects of operations, assisting closers and post closers when requested

Assisted with training of new Underwriters

SOFTWARE & ADDITONAL KNOWLEDGE

Empower, Encompass, Calyx Point, MS Windows 2016, Word, PowerPoint, Excel, DU, LP, Loansafe, FHA Connection, Appraisal Logging, Compliance Ease, Corelogic, ALL-REGs, Fraud Guard, FNMA Early check;

DE Approved and LAPP Certified; NMLS Licensed in the state of MD.

EDUCATION

Towson University, Towson, MD B.S. Degree: Mass Communications

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