Sr Mtg Underwriter Team Lead Closing Manager, Account/Relationship Mgr

RACHEL BURNS

**** ******** ****, **** **** SC ***15 704-***-**** **********@*****.*** linkedin.com/in/rachel-burns-791672161 Astute and methodical Senior Mortgage Underwriter, brings 18+ years experience in residential mortgages ranging from originations to liquidation and retention in Default Decisioning. I have held positions of Senior Mortgage Underwriting, Title Closing Department Manager, Relationship Management and Team Lead. I have also been a Principal Member Manager of my own company and have worked as an Executive Assistant for Vice Presidents and Managing Directors of financial institutions. Seeking a career utilizing my skills and play to my strengths, while allowing for a work life balance. Areas of expertise include:

Proficient in identifying gaps and inefficiencies Financial & Credit Risk Analysis Dynamic problem-solving and decision-making Quality Assurance Strong analytical and technical skills Leadership/Mentor SELECTED ACCOMPLISHMENTS

Senior Mortgage Underwriter (July 20, 2018 to July 15, 2022 - Separated due to lack of work) RealGenius a division of FirstBank, Remote, SC

• Residential lending underwriting decisions including Jumbo, Condominiums, Texas 50 50(f)2 & 50(a)(6) Refinances

• In depth experience with DU/LP; Agency, Non-Agency; Manual Underwriting and adhering to various investor guidelines and procedures for Conforming and Non-Conforming loans

• Perform credit, income and asset analysis, title and appraisal reviews

• Methodical, accurate and thorough in all aspects of execution of responsibilities

• Top performer 100+ loans/month and excellent quality

• Navigate investor guides; communicating with investors directly

• Created workflow templates to create efficiencies and ensure compliance, guidelines and overlays are followed

• Instrumental in identifying gaps, streamline processes and improving borrower experience

• Awarded with a company trip for my achievements; several badges of excellence from management and peers from various departments

Team Lead, Senior Second Level Review Auditor, (April 2011 to July 2018) Wells Fargo Home Mortgage, Fort Mill, SC (Loss Mitigation -Retention)

• Second level review of loss mitigation decisions prior to communication to our customers to ensure company, investor and industry guidelines are followed

• Team lead/SME for all of VA SLR - training, coaching, influencing, developing, mentoring and managing new and existing team members

• Maintain exceptional compliance conformity as it relates to data integrity and risk management.

• Uphold top tier production and consistent exceptional quality audit ratings from Credit Risk Management and other regulators

• Implement mandated changes, drive efficiency, and reduce manual work around processes

• Partnering with Lending Officers and Senior management for effective change

• Instrumental in creating and updating procedures, change control, new processes and test cases.

• Prioritize daily job functions and special projects in an organized fashion while exceeding production requirements SME/Senior Loan Servicing Specialist (Feb 2009 to April 2011) Wells Fargo Home Mortgage, Fort Mill, SC (Loss Mitigation -Liquidation)

• Subject matter expert for Deed in Lieu.

• Reviewing, negotiating, closing and minimizing risk for short sales and deed-in-lieu pipelines to ensure progression and quality.

• Responsible for creation of Deed in Lieu standard procedures in conjunction with Implementation Consultant.

• Member of the DIL Document Standards Council

• Achieved project completion for roll out within sixty days.

• Provide support to FNMA Senior Leadership during and post their portfolio take over transition

• Upholding company, investor and industry guidelines, as well as the OCC and NSS regulations Leadership, Self-starter and Project Management (2008 to 2009) Principal, Center City Builders, LLC, Charlotte, NC

• Self-started business as a residential and commercial building and remodeling company

• Coordinated appointments and estimates with homeowners and business owners

• Employed advertising agencies for marketing business

• Employed and scheduled sub-contractors for work needed outside of our designation

• Served as point of contact for customer service, marketing and scheduling, project manager and subcontractors Account/Relationship Manager (2004 to 2005)

Avantor Capital, LLC., Bridgewater, NJ (banker/broker)

• Served as a Liaison and Managed pipelines for several Account Executives’ each averaging fifteen brokers at the corporate headquarters

• Built relationships in Real Estate Analysis, Management and Business Development

• Exceeded monthly goals as an individual, team and company

• Coordinated the creation of matrix’s and along with senior management implemented policies and procedures for the company

• Ensuring all procedures in compliance with government regulations and company policies. Senior Underwriter (2002 to 2004)

SMC Mortgage, Staten Island, NY

• Performed Residential Mortgage Analysis; Automated DU/LP & Manual Underwriter for residential prime and subprime loans

• Sole underwriter to owner and sales team of five

• Attended conferences for new software, products, policies and procedures for compliance Closing Department Manager (2001-2002)

Richmond Abstract Corporation, Staten Island NY

• Manage a team of ten in the clearance and closing department

• Ensure the accuracy of all closing procedures by efficiently delegating and personal review of all work to ensure quality control for all abstracts created reviewing loan documentation terms and conditions

• Approve and provide exceptions for invoice charges

• Performed loan closing with agents and attorneys

• Deed and Title Clearing/Reconciliation

Mortgage Underwriter /Training Consultant (2000-2001) Ameriquest Mortgage Company, Staten Island, NY (Front End)

• Self-taught the industry, top underwriter in my area, third in my region within one year’s time

• Perform credit, income and asset analysis, title and appraisal reviews

• Implemented a training program based off my methods and procedures

• Utilized my proficiency for detail and troubleshooting to allow for accuracy of file flow

• Examine transactions to ensure accuracy and completeness, perform due diligence as needed 2

Customer Service (1999-2000)

Prudential Insurance, Staten Island NY

• Performed front desk duties including answering phones; greeting and attending client questions and concerns

• Handled payment of life insurance premiums

• Publish and maintain chronology logs for tracking purposes Executive Administrative Assistant (1995-1999)

Société Generale, NYC, NY (1997-1999)

Shelby Tissue, NYC, NY (1995-1996)

• Performed Administrative duties for President, Vice Presidents and Managing Directors

• Scheduled appointments and handled calendars for senior leadership

• Analyzing, balancing and approving expense reports

• Maintaining calendar; screen and prioritize phone calls, mail and emails

• Responded to emails and other correspondence to facilitate communication and enhance business processes

• Coordinated and booked airfare, hotel and ground transportation and prepared itinerary to facilitate successful trips.

• Arrange travel plans and in-house meetings including all amenity needs ADDITIONAL ACCOMPLISHMENTS

Leadership, hard work, dedication and sacrifice are just some of the tools that I have developed which propelled me through my career.

● Experience working in MSP, Encompass, Blueprint, Real Quest, CoreLogic, Mortgage Electronic Registration System

(MERS)

● Ability to work under minimal supervision and strong multi-tasking skills and phenomenal work ethic

● Effectively communicate, takes pride in detailed correspondence as well as well documented notes.

● Strong analytical and problem-solving skills with high attention to detail and accuracy

● Analytical ability ensures work rules are followed, reduces risk and ensures quality production and fraud detection.

● Delegation of Authority obtained in originations for FNMA, FHLMC and Various Private portfolios

● Delegation of Authority obtained in liquidation and retention for VA, FHA, USDA, FNMA, FHLMC and Banking & Private portfolios

● Subject Matter Expert FNMA/FHLMC in originations and loss mitigation

● Proficient in Microsoft Office

EDUCATION

Worked toward a BA in Finance GPA 3.5, The College of Staten Island, Staten Island, NY (on and off from 1996-1999) Legal Executive Administrative Assistant Certificate, Katharine Gibbs School (1994 - 1995) 3

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