Lisa Flower

** ****** **

Yuba City, CA *****

916-***-****

adryqm@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

Over twenty-seven years of professional experience in the field of real estate finance, loan administration and community-based organization. Proven track record for, increasing operational efficiency through trouble shooting and innovation. Experience includes sales management, operations management, senior processing, underwriting, customer relations, and extensive computer knowledge.

Employment History

LOAN DEPOT 2019-2022

UNDERWRITER

• Authority To Make Decision of Approval or Suspense

• Underwrite Residential Mortgage Loans for Conventional Mortgages

• Review Applications, Credit Reports, Income, Assets, And Title for Accuracy and Credit Approval

• Consistently Exceeded Monthly Goals with Exceptional Efficiency – Pinnacle Club

• Corresponded With All Departments Efficiently and Timely Within Company Guidelines

• Participated In Several Company Pilot Programs

• Mentored Other Team Members

WELLS FARGO 2012-2018 UNDERWRITER

• Underwrite residential mortgage loans for Conventional 1st mortgages in accordance to investor guidelines.

• Review full package, application, credit report, income information, appraisals and prelims needed to close/fund mortgage loan.

• Input information and run AUS decision-FNMA/FHLMC

• Authority to make a decision of approve, decline, withdraw or counteroffer loan.

• Correspond with management and processors details of loan request and conditions.

• Authority to make decision of approval or suspense

• Underwrite residential mortgage loans for conventional mortgages

• Review applications, credit reports, income, assets, and title for accuracy and credit approval

• Consistently exceeded monthly goals with exceptional efficiency – pinnacle club

• Corresponded with all departments efficiently and timely within company guidelines

• Participated in several company pilot programs

• Mentored other team members

CalHFA (Contract) 2010-2012

REO Manager

• Successfully manage inventory of over 150 homes in several different cities.

• Review Appraisals and new marketing packages in order to list property.

• Contact contractors to negotiate repairs and charges.

• Analyze any and all repairs to determine approval if repairs are needed.

• Review offers and counter offers for acceptance or rejection for ultimate sale price.

• Work with analyst on invoices for reimbursement.

• Assign properties to master broker with recommended list price.

• Respond to questions and requests from all involved parties.

• Review all listings for reasonable time on the market.

Wefit2U, LLC 2008-2010

Branch Manager

• Successfully managed branch office, as well as managed over 30 outside sales affiliates.

• Outside sales to generate new affiliates and maintain existing.

• Negotiate with lenders new loans for borrower.

• Review Appraisals to assess current value.

• Underwrite and decision new applications.

• Make welcome calls to borrower to go over proper expectations.

• Audit and approve payroll and quarterly bonus.

CTX Mortgage 2005-2008

Branch Manager

• Successfully managed Senior Loan Officers as well as operation staff, while maintaining my own personal production of 1.5 million a month.

• Recruit new and experienced loan officers.

• Manage commission reports and payroll.

• Oversee the production of loan officers and processing staff.

• Work with realtors and customer database on a continuous basis.

• Implement and train on new procedures while motivating company staff.

• Monitor compliance issues in order to meet or exceed acceptable tolerance regulations.

Washington Mutual 2001-2005

Underwriter

• Responsible for several areas of mortgage lending, including the client approval process, underwriting, appraisal review, document preparation, and loan funding.

• Successfully processed residential mortgage loans for prime and sub-prime applicants.

• Reviewing of appraisals, income documentation as well as extensive tax returns.

• Motivate, train and mentor team members in a large office.

• Continually keep up on process flow and fund over monthly quota.

• Promote to Senior Loan Coordinator.

• Average of 70 million in yearly funding totals.

• Successfully maintained accurate pipeline of 40 and more.

Job Training and Seminars

Leadership

Mortgage Fraud

Mortgage Math

Loan Coordination

Analyzing Mortgage Documents

Computer Skills

MS Access, Microsoft Word, Microsoft Excel, Power Point, WordPerfect, Outlook Express, Onsite, Point Processing, Loan Works, Optis, and Genesis, Empower

Calpers, CALHFA, NHF, FHA and Construction Certified

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