Underwriter Operations Manager

VEE W. BOWERS

**** *. **** ***., *****, OK ***** Cell 714-***-**** ********@*****.***

OBJECTIVE:

I am a dynamic, energetic, seasoned professional with over 29 years of mortgage lending experience encompassing Underwriting, Training, Leadership, Sales, Funding, and Mentoring in retail, wholesale and correspondent lending platforms. I am looking to join a growing organization where I can expand my underwriting experience and help assist in the company’s success.

PROFICIENCIES

TECHNOLOGY:

Desktop UW (DU), Loan Prospector (LP), Total Score Card, Excel, Word, Power Point, FraudGuard, Data Trac, Lexis Nexis, Data Verify, RealView, Encompass, Empower, Lending QB

TRAINING MANAULS CREATED:

FNMA Condo Approvals, Encompass Manual for Underwriting (Conventional and FHA), How to Underwrite, Data Trac UW Manual, FraudGuard, CoreLogic AVM

UNDERWRITING KNOWLEDGE:

FNMA, FHLMC, FHA Forward/Reverse, Community Seconds, Investor and Non Agency.

PROFESSIONAL EXPERIENCE

New American Funding July 2020 – May 2022

FHA, CONVENTIONAL UNDERWRITER, Virginia Housing and Tennessee Housing Community 2nds.

Credit lending decisions based upon income (including in depth personal and business tax returns), credit analysis, asset verification, and detailed appraisal review for retail originations. Work closely with processors, loan officers, credit policy managers and funding associates to ensure a positive experience for all parties involved. Majority of pipeline consisted of purchase loans with less than 30 day closings.

Lenox Financial Sept. 2019 – June 2020

FHA, CONVENTIONAL UNDERWRITER

Credit lending decisions based upon income (including in depth personal and business tax returns), credit analysis, asset verification, and detailed appraisal review for retail originations. Work closely with processors, account managers, account executives, brokers, and funding associates to ensure a positive experience for all parties involved.

Essex Mortgage May 2018 – Sept. 2019

FHA, CONVENTIONAL, NON AGENCY, COMMUNITY SECOND UNDERWRITER

Credit lending decisions based upon income (including in depth personal and business tax returns), credit analysis, asset verification, and detailed appraisal review with numerous investors for retail and wholesale originations. Approval of many Community 2nd programs: Chenoa, CalHFA my home assistance programs, MCC Tax Credit loans for CA and Nevada. Trained in eHousing input and certifications. Underwriting approvals for NON QM products with DeepHaven investor guidelines. Work closely with processors, account managers, account executives, brokers, and funding associates to ensure a positive experience for all parties involved.

First Direct Lending Sept 2016 - April 2018

CONVENTIONAL, FHA, VA UNDERWRITER In Training

Credit lending decisions based upon income (including in depth personal and business tax returns), credit analysis, asset verification, and detailed appraisal review. Work closely with processors, and funding associates to ensure a positive experience for all parties involved. Partnered with Executive Processors to expedite pipeline for select top tier Loan Officers. Completed required VA training and preliminary SAR number issued. Test cases were interrupted due to company closure

Genpact – Global Outsourcing Mortgage Division

DEPARTMENT MANAGER April 2015 – Sept. 2016

Daily management of 7 front line underwriters, 1 Quality Control Underwriter, 1 processing Team lead and 6 Processors for Retail Lending division of new client. Interviewed and hired all personnel. Began production in June of 2015. Client requested that we mirror their process, and then completely re-vamp. Continuing education of FNMA/FHLMC guideline changes to all personnel. Development and delivery of new job aids and suggestion changes for existing ones.

American Advisors Group Nov 2013 – April 2015

UNDERWRITING SUPERVISOR

Daily management, coaching and development of HECM Traditional, Purchase and HECM to HECM Refinance underwriters. Responsible for the retraining of department staff and assisting over 10 underwriters obtain their CHUMS ID numbers. Assisted the current underwriting manager to develop new underwriting policies and procedures including a comprehensive underwriting and appraisal review checklists resulting in less NOR and PETR findings from HUD.

Daily reports, goals, educational information distributed throughout the department. Weekly meetings with staff to share updates, changes, and examples of difficult loans. Helped to develop monthly coaching feedback, One on One's. Assisted with Loans at Risk in resolving NOR and PETR findings.

Delivered verbal, written warnings with succession plans to associates along with documented warranted terminations as needed. My team was the recipient of the monthly UW production trophy for the majority of 2014 and on into January 2015.

Selected to instruct the first isolated underwriting class for 13 new hires and a new UW team lead in February 2015.

Delivered Appraisal Logging training to Processing Team Leads.

Nominated for Operations Manager of the year 2014.

Greenlight /Nationstar Mortgage Sept. 2012 – Nov.2013

CONVENTIONAL/FHA UNDERWRITER

UNDERWRITING TRAINING MANAGER

Lenox/WesLend Financial

CONVENTIONAL UNDERWRITER May 2012 – Sept. 2012

UW TRAINER / TEAM LEAD

LoanDepot/O2Funding- New Penn Financial October 2011 – May 2012

FHA UNDERWRITER / CONVENTIONAL

Icon Residential Jan 2011- Oct 2011

FHA UNDERWRITER / CONVENTIONAL

Wells Fargo March 2009 – Sept 2010

HAMP UNDERWRITER–SLR (Second Level Reviewer)

CONVENTIONAL UNDERWRITER

Carrington Mortgage Services July 2008 – Feb. 2009

SALES MANAGER – RETAIL DIVISION

H & R Block Mortgage Jan 2005 – Nov 2007

LEVEL 4 UNDERWRITER, SALES MANAGER, OPERATIONS MANAGER and UNDERWRITING TEAM LEAD

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