Mortgage Underwriter Remote Project

VERNESIA MURRY – CPPM 612-***-****

Minneapolis, MN, 55412 ********.*****@*****.***

PROFILE

Certified Professional Project Manager and Mortgage Industry Professional offering experience in underwriting, processing, QA analysis, and mortgage compliance. Possesses expert technical and analytical qualifications and a strong background and depth of experience in closing, FHA and conventional loan servicing, asset management, and bank foreclosure REO strategies.

SKILLS AND QUALIFICATIONS

Business Analysis

FHA REO Acquisitions

Regulatory Compliance

QA Loan Review and Audits

Mortgage Underwriting

Single Family Residential

New Construction

Bank Foreclosures

Asset Management

Financial Management

Project Management

Risk Management/AML

TECHNOLOGY

AS400, IVA209 Accounting Software, Lawson, SAP, Brio, Focus 101, 102, Great Plains, Mortgage Software Oracle, Genesis, Extra, Desktop Originator Fannie Mae (DU) Freddie Mac (LP), EMS, SAMS, P260, FHA Connection, CAVIRS, LIS, LMS, Yardi, ALS, ACES Web, Landlord Max, Shaw Retail, Calyx Points, Wise, EAP, SVP, Mars, Pega7, One Stop, Hogan, Loan IQ and Advanced Microsoft Office

EXPERIENCE

Remote Quality Assurance Analyst III 01/2021 – 01/2022

Wells Fargo Mortgage/AppleOne Employment Services, Minneapolis, MN

Conducted investigations on branch banking, small business, and phone bank employees. Review and analyze data, identify risks, and most importantly follow explicit policies and procedures on how to conduct research on these investigations. Reviewed programs, processes, and documentation, including files of unusual, complex, or higher risk processes, to ensure compliance with company, agency, and government requirements. Managed report distribution operations and functions within the CAC Quality Team. Compiled and analyzed operational data from multiple sources, including unit production and productivity. Analyzed risks and offsets and developed solutions. Consulted with management on production strategies, initiatives, and controls and analyzed impacts on department and business line. Provided reporting results and deliverable status, made recommendations regarding changes in business operations. Communicated with and provided feedback to contacts regarding regulatory issues such as inconsistencies, patterns, and risk trends.

Administrative Assistant III 02/2018 – 12/2020

The Family Partnership, Minneapolis, MN

Processed client payment information into multiple databases. Strategized process improvements for workflow. Reviewed documents, policies, and other files to ensure accuracy, completeness, and HIPAA compliance. Operated multi-line phone system and otherwise prioritized tasks and managed time effectively to meet deadlines.

Remote Project Compliance Underwriter 02/2012 – 12/2020

Kool Productions/WVKP PowerStation on Tune-in Radio, Minneapolis, MN

Coordinated the efforts of the creative service, marketing, and publicity departments. Oversaw video, advertising, and sales campaigns to ensure consistency of imaging between unsigned artists and their music. Maximized the contribution of each to increase internet sales.

Scholarship Analyst, Customer Service AP/AR 08/2018 – 11/2018

University of Minnesota, Minneapolis, MN (Contract through Kelly Services)

Analyzed scholarship information due for payment in the University database. Submitted invoice payments to allow refunds, buybacks, textbooks, rentals, and employee purchases. Processed and approved invoice transactions. Resolved issues due to overpayment and recovered funds related to past-due invoices.

Know Your Customer/Enhanced Due Diligence Analyst 06/2018 – 07/2018

US Bank, Minneapolis, MN (Contract through Kelly Services)

Audited and updated business and individual credit card accounts. Interacted with Internal Payment Services team members (RPS, CPS, Elavon), and Identified and coordinated documentation and other activity mandated by US Bank Anti-Money Laundering Program, compliance policies, and secondary market selling guidelines.

Post Fund Analyst/QC Auditor 02/2016 – 06/2018

US Bank Mortgage, Minneapolis, MN (Contract through Kelly Staffing)

Prepared mortgage loan files according to bank regulatory and investor guidelines by gathering the necessary documents and information within designated time frames. Ensured compliance with bank, regulatory, and investor requirements, as well as customer service standards.

Caregiver, Financial Planner, End-of-Life Director 01/2012 – 01/2016

Private Residence, Minneapolis, MN

Served as a family advisor and wellness director for clients. Attended personal care, nutrition, medication management, medical appointments, and patient advocacy. Managed finances, end-of-life planning, and hospice care. Served as executor, oversaw funeral planning and the sale of the property after client’s death.

Consumer Loan Underwriter II 09/2011 – 01/2012

Wells Fargo, Minneapolis, MN

Evaluated, underwrote, and approved complex consumer loans. Served as a subject-matter expert and assisted with questions, problems, and issue escalation. Reviewed financial statements, credit reports, environmental screen, and applicable ratios (debt ratios, loan-to-value). Prepared reports for review and ensured documents were met company and industry guidelines from Title X of the Dodd-Frank CFPB.

Remote QA Underwriter Analysis 10/2010 – 03/2011

Risk Management Group, Newton, PA

Researched and developed detailed synopsis identifying loan attributes and deficiencies. Used the QA Compliance Auditing system to review QA 265 loans remotely.

FHA REO PM/Government Compliance UW 09/2004 – 10/2010

Best Assets Inc./HUD Housing, Minneapolis, MN

Managed, marketed, and sold REO investment commercial, lease rental, and single-family properties.

Verified that compliance with company and Department of Housing Urban Development guidelines. Trained and mentored appraisers in six states. Collaborated with upper-level management, HUD, mortgagee, attorney, and vendors regarding management of conveyance of commercial, lease, investment, and single-family REO properties into HUD Acquisitions. Audited and processed documents for compliance with regulatory, legal, governmental, and company policies, and procedures for all loan products. Ensured that closing packages were within the company and investor’s guidelines.

EDUCATION

SCRUMStudy 09/2019

VMEdu, Inc, Avondale, AR

Certified Professional Project Manager Program 09/2017

University of St. Thomas, Minneapolis, MN

Project Management Certificate 10/2015

University of Minnesota, Minneapolis, MN

Mini MBA Business/Marketing 04/2013

Opus College of Business, University of St. Thomas, Minneapolis, MN

Mortgage Certification 03/2013

National Association of Mortgage Underwriter and Processor Technology, Laguna Hills, CA

Key Coursework: Mortgage Certificate, DE Diligence Underwriter, DE FHA/VA underwriter, DE Manual Underwriter, Advanced Underwriting, DE Tax Analyst and Certified Certificate Master Mortgage Underwriter, Commercial Underwriter, Bank Foreclosure Examiner, FHA Credit Examiner, Certified Income Tax Preparer Analysis and Certified Pending-Certified FHA Loss Mitigation Specialist, Harp 2.0 and FHA 203K.

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