SANDRA FEE

** **** ****** **, **** Springs, CA **264

831-***-**** adl9ue@r.postjobfree.com

PROFESSIONAL OVERVIEW

• More than 45 years of valuable, hands-on experience consistently exceeding performance goals.

• Promoted to positions of greater responsibility for taking on additional responsibility and leading by example.

• Impeccable judgment and stellar attention to detail skills in order to achieve job goals.

• Excellent listening, verbal communication and interpersonal skills.

• Adaptable, versatile and flexible to prioritize effectively and proactively resolve problems.

• Solid time management, attention to detail and organizational skills to work on deadline, prioritizing tasks.

AREAS OF EXPERTISE

• Outstanding knowledge of all underwriting and disclosure requirements and real estate lending laws.

• Exceptional understanding of mortgage originations and underwriting practices, with an ability to apply multiple and varied sets of lender guidelines.

• Strong background in completing a thorough analysis of mortgage loan files for creditworthiness and layered risks.

• Unique ability to analyze application, asset, credit, income, title and insurance documents.

• Proven track record of identifying red flags and fraud.

• Experience hiring, training and managing sales teams, including across many counties of the states of California, Oregon, Washington, Utah, Nevada and Arizona.

• Proficient with Microsoft Windows; Calyx Point; 10-key by touch; and underwriting applications such as DU, LP and AU Systems.

EDUCATION AND TRAINING

Completed on-going licensing and certification requirements, Cabrillo College – Aptos, CA Completed coursework on the latest TRID disclosure laws and regulations-6 hours continuing education. 2017

Completed coursework on the latest underwriting laws impacting FNMA, FHLMC, FHA, VA, USDA and conventional jumbo loans, including title issues and appraisal review. 2017 Commissioned Notary Public for the State of California, commission expires 2024. Have the required surety bond and $100,000.00 personal E & O insurance. NNA Trained and Certified Signing Agent.

Enrolled in Certified Processor/Underwriter training through Campus Mortgage 2021. Program near completion and serves as an update on all disclosures and new requirements driven by Covid- 19.

CURRENT AND PAST EMPLOYERS

NNA Certified Signing Agent

Self employed

April 2020 to present

After lay offs caused by the Covid-19 Pandemic I wanted to be productive and reactive. I decided to put my notary commission to work. It turned out to be rewarding to continue to assist in the mortgage industry during a difficult time in the world. Concept Mortgage

Retail Mortgage Loan Originations

Loan Processor/Coordinator

2019-2020

Owner/Manager: Remington Duque, Lisa Garcia Duque, and James Saville Duties included upfront communication with clients through closing in the processing of transactions for purchase and refinance.

Coordinate with Realtors, Appraisers and Title/Escrow officers as a go between Lender’s underwriters as needed for each transaction.

Retired

2008-2018

After many years of working sometimes two jobs I had decided to take time off to enjoy my children and grandchildren. Retirement is boring when you are the only retired person you know. Commitment Lending

Wholesale Correspondent Lender

Regional Sales Director

2006-2007

Owner/Manager: Randy Van Dueck

• Hire, train and manage sales teams in many counties of the western states of California, Oregon, Washington, Utah, Nevada, Arizona and Florida and successfully increased company production in all areas.

• Expand and become a major competitive sales force in all states as company approval for business was acquired.

• In field underwriting using DU, LP and in house AU Systems improving approval times and achieving lower transaction declines.

• Have a working knowledge of all underwriting and disclosure requirements for agency and investor programs.

• Keep sales teams up to date of all agency and investor updated underwriting requirements. Pro 30 Funding

Account Executive / Team Leader Sales Manager

2005-2006

Manager: Bill Coleman

Wholesale Correspondent Mortgage Lender

Cameron Financial

Account Executive

2003-2005

Manager: Kerry Fierro/Shannon Faris

Wholesale Correspondent Mortgage Lender

First Bank

Account Executive

2002-2003

Manager: Ken Massegian

Wholesale Direct Mortgage Lender

HCL Financial and Life Bank

Account Executive

2000-2002

Manager/Owner: Hon Cheng, Nancy Cheng

Wholesale Mortgage Correspondent Lenders

SCS Mortgage

Account Executive

1991-1999

Manager: Greg Armstrong

Wholesale Correspondent Mortgage

Oakridge Financial

Processor / Account Executive

1988-1991

Owner/Manager: Fred Wharf

Retail and Wholesale Correspondent Mortgage Lender Directors Mortgage

Underwriter / Office Manager

1985-1987

Manager: John Lane

Retail Correspondent Mortgage

Cal Fed Mortgage

Underwriter / Office Manager

1982-1984

Manager: John Lane

Retail Direct Mortgage Lender

Bankers Mortgage

Underwriter / Office Manager

1978-1981

Manager: Richard Holland

Direct Retail Lender and Correspondent Retail

Dumbarton Mortgage

Underwater / Office Manager

1974-1977

Manager: Richard Holland

Retail Correspondent

Lomas and Nettleton

Receptionist, Processor, Doc Drawer, Closer/Funder, Underwater, Office Manager 1968-1973

Manager: Richard Holland

Direct Retail Lender

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