Mary P. Boyle

** ****** **.

Cornwall, New York *0922

Mobile 914-***-****

ads9wq@r.postjobfree.com

NMLS #827422

EXPERIENCE:

AUGUST 2020-OCTOBER 2022

Mortgage Underwriter III- Movement Mortgage

Responsible for underwriting of conventional residential mortgages, both DU and LP. Issues conditional approval and clears received conditions Proficient with all types of income including self employed borrowers Ensures accuracy of appraisal reports according to FNMA and FHLMC guidelines Analyzed title report to ensure accuracy of the report and ensure sufficient clearance for each transaction Guide loan processor, sales staff and closer with workflow, compliance, regulations and guidelines Adhere to company SLAs

Proficient with virtual interfaces including Microsoft Teams IM, Microsoft Team Meetings and Zoom Meetings MARCH 2020- AUGUST 2020

Mortgage Underwriter II (Remote), Sourcepoint Mortgage. Responsible for underwriting of conventional residential mortgages, both DU and LP for national lender, New Rez Mortgage

Issues conditional approval and clears received conditions Proficient with all types of income including self employed borrowers Ensures accuracy of appraisal reports according to FNMA and FHLMC guidelines Analyzed title report to ensure accuracy of the report and ensure sufficient clearance for each transaction Guide loan processor, sales staff and closer with workflow, compliance, regulations and guidelines Adhere to company SLAs

Proficient with virtual interfaces including Microsoft Teams IM, Microsoft Team Meetings and Zoom Meetings March 2016-March 2020

Mortgage Underwriter, Hudson Heritage Federal Credit Union Middletown, NY Responsible for underwriting of all residential mortgages, both FNMA and portfolio Proficient with all types of income including self employed borrowers Ensures accuracy of appraisal reports according to FNMA guidelines Analyzed title report to ensure accuracy of the report and ensure sufficient clearance for each transaction Analyze sales contracts for purchase transactions. Interact with buyers counsel to insure accuracy of the purchase price, loan amount, and seller’s concessions and finalize transaction Guide loan processor, sales staff and closer with workflow, compliance, regulations and guidelines Proficient with Encompass (total 10 years)

Established service level agreements bringing the application to closing to approximately 35 days September 2010 – March 2016Senior Mortgage Processor, Homerica Mortgage Corp. White Plains, NY Originate and process Fannie Mae, Freddie Mac, FHA and VA loans DU and LP proficient

Guide the borrower through the process complete to closing Quote rates which are ideal for each borrower

Ordered title, appraisal and interacted with closing attorneys Review HUD-1 Settlement Statements for accuracy

Licensed Mortgage Loan Officer

Instrumental in converting process to paperless workflow April 2010- September 2010 Grants Administrator Community Housing Innovations, White Plains, NY Assisted first time home buyers through grant application process Conducted first time home buyer seminars

Prepared each grant application for the underwriter and for funding approval by HUD March 2008 – January 2010 Senior Underwriter, Hudson Valley Bank Yonkers, NY Responsible for the underwriting of all consumer loans, residential mortgages, and Home Equity Lines of Credit

(HELOCs) originated by two banking subsidiaries of Hudson Valley Bank Holding Corp, which included Hudson Valley Bank’s $2.4 billion in assets; $900 million in loans and NYNB Bank. Managed a pipeline of approximately 50 loans

Responsible for weekly presentations on loans recommended for approval to Loan Committee. Analyzed residential appraisals to ensure accuracy of the report and ensure sufficient collateral for each transaction Reviewed and analyzed personal and business tax returns, personal financial statements to determine borrower’s eligibility to support the loan request.

Responsible for the review title searches and assisted loan processors and customer in clearing title issues Responsible for the trained new residential department staff, Branch Managers (30 branches) including loan processor, data entry and branch liaison personnel. August 2003- March 2008 Closing Coordinator, Hudson Valley Bank Yonkers, NY Prepared all closing documents for residential closings Assisted customers in the mortgage process explaining documentation, billing and funding Assisted relationship managers and brokers in originations and bank guidelines Responsible for funding, general ledger transactions and wiring for all residential loans and home equity lines Performed many post-closing functions such as servicing of past customer’s needs, satisfactions and land records Daily interaction with brokers, closing attorneys with regards to review of title policies, deeds as well as compliance regulations.

Instrumental in the conversion of hardcopy closing documentation to electronic documentation Assisted Small Business Loan Manager with review of loan applications and performed credit analysis January 2003 - August 2003 Marketing Manager and Loan Processor, Logue Capital LLC Yonkers, NY Processed a pipeline of approximately 200 loans

Assist customers through the loan process i.e. explaining rates, documentation and closing January 2003 Assistant Branch Manager, Lowestloan Inc., Valhalla, NY Assisted in opening a new Lowestloan, Inc. branch in Las Vegas, N.V Acted as a liaison between the Las Vegas office and the CEO in New York Assisted and trained new loan officers on all aspects of the mortgage process paying close attention to the detail of Reg Z and RESPA guidelines

May 2000 – January 2003 Product & Pricing Supervisor, Lowestloan Inc., Valhalla, NY Assisted a sales, processing, and quality control staff with products, pricing, and Fannie Mae guidelines. Responsible for updating staff on new products and any changes in programs Ensured integrity of data input on all mortgage documentation. Submitted loans thru various automated portals

assisted customers with the mortgage application process March 1999 - May 2000 Loan Officer, Homerica Mortgage Corporation, Harrison, NY Originated conforming and non- conforming via phone and internet leads quoted rates and performed pre-approvals

Advised potential borrowers regarding appropriate loan programs and the loan process EDUCATION: Bachelor of Arts in Social Sciences, Pace University, Pleasantville, NY

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