Loan Processor Underwriter
Resume:
Kelly A. Ramirez
************@*****.***
Hello Prospective Employer,
I am a mature in the workplace individual with a diverse set of skills in the Financial Services Industries. I’ve worked in Mortgage Lending for over 17 years and through dedication and commitment to excellence I’ve achieved much success in both Retail and Wholesale Loan Operations. My prior experience of 18 years in accounting and finance has contributed greatly in my analytical approach to complex problem solving, empowered my understanding of various types of income and tax documents and undoubtedly, contributes to my confidence in tackling any challenge presented. Further, having been a Loan Processing Manager afforded me additional valuable skills that open up more opportunity with companies looking for diversity and excellence. My attention to detail and quick methodical approach to auditing along with fast learning, dependability and dedication to self excellence, has proven me a benefit to each employer I’ve had the pleasure of working for and growing with. I look forward to any opportunity presented, so, if I can benefit your company, then call me! Let’s be SUCCESSFUL together!
Kelly A. Ramirez 720-***-****
199 Fordham Cir
Pueblo, CO 81005
Objective
Possessing extreme professionalism and diverse experience in the Financial and Mortgage Lending industries, I am a job seeker looking for a company that is COMMITTED to excellence, DEDICATED to employee success and displays LOYALTY to their culture.
Skills & Abilities
Management & Leadership
• Responsibilities have included but not limited to staff hiring, continuing education, performance evaluation, design and implementation of process and procedure to include workflow analysis. Team Leadership roles in Processing and Jr. Underwriting maintaining pipeline distribution, account and workload balancing, promoted organized and collaborative team concept to maximize employee empowerment and achieve highest level of customer/client support.
Production
• Hands-on achievements include FHA FORWARD & HECM, VA, and CONVENTIONAL Loan Underwriting or Jr. Underwriting in Retail, Wholesale, Bank and Correspondent Business Channels including loan processing, underwriting, closing, funding, post closing and QC audit departments.
Communication
• Customer Focused prompt and professional oral, written and analytical delivery, big picture thinker able to optimize customer/client experience and meet or exceed competing deadlines. 2
Kelly A. Ramirez
EXPERIENCE
WHOLESALE REMOTE DE & CONVENTIONAL UNDERWRITER/ ANNIE-MAC HOME MORTGAGE/8-2020 to 6-2022 / 700 East Gate Drive, Ste., 400, Mount Laurel, NJ
· Managed daily pipeline, responsible for average daily production and turn time goals while reviewing, researching, and UNDERWRITING FHA AND CONVENTIONAL LOANS for Wholesale and Private Label divisions.
· Selected to special Underwriting TEAM to participate in MI and third party Candor and Flatworld Underwriting projects.
REMOTE UNDERWRITER, JR/FINANCE OF AMERICA REVERSE/5-2015 TO 4-2018 8203 E 63rd Place Tulsa, OK 74137; 918-***-****
· Managed daily conditions pipeline, responsible for average daily production and turn time goals while reviewing, researching, and re-conditioning FHA HECM loan approvals.
· Performed file and software system audit to prepare and promote loan file to Clear to Close status.
· Educated thru oral or written communication for both internal and external customers to combine efforts in gathering required documentation to satisfy loan conditions.
· Promptly and efficiently aided in closing, funding, insuring or post closing scenarios to ensure purchase under competing delivery deadlines.
REMOTE SR PROCESSOR/REVERSE MORTGAGE FOCUS/10-2014 TO 5-2015 A Division of Georgetown Mortgage; 4819 Williams Dr., Georgetown, TX; 512-***-****
· Managed daily conditions pipeline, responsible for average daily production and turn time goals.
· Performed file and software system audit to prepare and promote loan file to Clear to Close status.
· Prepared and managed loan rate lock requests to multiple investors.
· Performed, researched and completed QC Audit reports. 3
Kelly A. Ramirez
LOAN PROCESSING DEPARTMENT MANAGER/SR. LOAN PROCESSOR/CLOSING SPECIALIST/1ST REVERSE MORTGAGE USA/5-2010 TO 10-2014 A Division of CCMC; 3609 S Wadsworth Blvd., # 500 Lakewood, CO 80235; 303-***-****
· Oversaw and managed National Loan Set-up and Loan Processing Departments.
· Responsible for development, implementation and compliance training for all staff.
· Established workflow and best practice Policies and Procedures.
· Responsible for interviewing, hiring of staff and administration of performance reviews.
· Worked closely with retail Branch Managers, staff Processors and Loan Originators to manage pipelines and insure maximum efficiency and productivity of loans from application to closing.
· Maintained the highest level of customer/client support experience thru best practice professional written and oral communication and education.
· Coached and mentored staff to assist with development, improvement of knowledge and achievement of personal and department goals.
· Participated in creating HECM Wholesale Broker training manual for HECM Loan Origination software and best practice for submission and pipeline workflow, maintenance and milestones.
· Directed webinar based training for new Wholesale Broker HECM business channel.
· Processed HECM for Purchase loans at 97% one touch submission to underwriting.
· Prepared loan for closing balancing final Closing Disclosure with title company and delivered final loan closing documents.
· Audited closed loan files and stacked for submission to multiple investor delivery.
· Prepared original Mortgage Note and Allonge for final delivery. UNDERWRITER, JR/HOME SAVINGS OF AMERICA/2008 TO 2010 Bank closed by regulators Feb 24, 2012
· Managed underwriting pipeline to assign loans to underwriting staff while maintaining workflow efficiency and satisfy turn time requirements.
· Underwrite Conventional Mortgage Loans and VA Streamline IRRRL making risk based decisions with common sense approach.
· Maintained knowledge of FNMA, FHLMC, FHA, VA and Investor guidelines. 4
5
Kelly Ramirez
UNDERWRITER/BROKER MANAGER/AM STERLING BANK/2007 TO 2008 Bank faced Federal shut down April 17, 2008
· Underwrite Conventional and VA Streamline IRRRL Loans.
· Assisted Wholesale Brokers and Account Executives with loan program and pricing loan scenarios.
· Gathered, reviewed, and cleared underwriting conditions.
· Assisted in preparation of loan files to promote to closing.
· Daily communication with Wholesale broker partners to provide highest level of customer/client LOS support.
UNDERWRITER/BROKER RELATIONSHIP COORDINATOR/2002 TO 2007 Retail Mortgage Lender Closed – filed Ch11 BK August 6, 2007
· Underwrite FNMA, FHLMC, Conforming and Non-Conforming, Alt-A, Option ARM and HELOC 2nd Mortgage Loans.
· Run AUS/DU on all loans and review findings to ensure compliance.
· Maintain current knowledge of FNMA, FHLMC, FHA, VA and Investor guidelines.
· Accompanied Account Executive on Wholesale Broker account calls to provide workflow client support and LOS web training.
· Reviewed loan program changes and repricing to best prepare loan originator for loan resale.
· Gathered, reviewed and cleared underwriting loan conditions.
· Maintained workflow efficiencies in underwriting and conditions pipeline management and fulfilling daily quotas.
Certifications & Achievements
· FHA DE Credentials Earned
· Phoenix Urban League, Business Management, General Accounting
· FHA Underwriting Certificate of Completion, Diehl & Associates, Inc
· Appraisal Review Certificates of Completion, MGIC
· Analysis of Self Employed Borrower, GE
· Graduated Class Valedictorian
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