Government Underwriter, audit, attention to detail oriented

Diane Longbons

**** ********** ** **********, ** 45224 513-***-**** *********@*****.***

Objective

To find a company that what will allow me development within the real estate industry while utilizing my many years of experience in process development, training and managing as well as capitalizing on my analytical, written and communication skills.

Experience

DE GOVERNMENT UNDERWRITER FREEDOM MORTGAGE OCT 2020 – AUG 2022

• Analyze financial data related to loan requests

• Evaluate loan documents to ensure to ensure accuracy and completeness

• Perform risk assessments on potential loan recipients based on credit rating, borrowing history and other specific risk factors

• Review loan documentation and vendor reports to identify signs of fraudulent activity

• 100% quality on all reviewed loans

• Rated “Exceeds Expectations” on all performance reviews

• Mentored peers on how to do our jobs as well as career development

• Performed nationwide loan reviews

• Participated in streamline process to bring applications to approval in 20 days

• Received company recognition from peers across departments DIRECT LENDING UNDERWRITER II, NMLS ID 1440583 FIFTH THIRD BANK NOV 2015- OCT 2020

• Analyze consumer credit reports for consumer lending applications to evaluate risk and make appropriate credit decision for direct lending across multiple states, affiliates, and geographic regions.

• Examine applications for potential cross-sell, upsell and counter offers and submit recommendations to Retail

• Verified completeness and accuracy of credit applications

• Formulate and communicate credit decision in compliance with established underwriting guidelines, compliance, and regulatory requirements FORECLOSURE ANALYST III FIFTH THIRD BANK DEC 2013 – NOV 2015

• Managed 200 past or approaching foreclosure cases including FHLMC, FNMA, FHA/VA, and Private Investors

• Followed up on all foreclosure actions to ensure investor guidelines were adhered to

• Identified contested foreclosure and code to ensure proper reporting to investors

• Ensured cases had clear and marketable title throughout the foreclosure sale bids, judgments required by the court, reinstatement and payoff requests made by the borrower and attorney

• Analyzed the valuation of the property, the marketability of the property and any claims possible against third parties

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REO MANAGER RELIABLE LAND TITLE LLC JUL 2007 – MAY 2013

• Created REO Department

• Built relationships to acquire REO business from prospective clients

• Prepared HUD Settlement Statements based on purchase contracts

• Scheduled and Coordinated Closings

REO CLOSER ACCUTITLE AGENCY JAN 2004 – JUNE 2007

• Prepared HUD settlement statements based on purchase contracts

• Schedule and coordinated closings

• Complied and disbursed closing packages

• Wired funds to clients

• Cleared post-closing stipulations

• Involvement with focus group to streamline software program LOAN PROCESSOR FULL SPECTRUM LENDING 2002-2003

• Prepared loan packages for underwriting review

• Coached loan officers about different programs and how to present for approval

• Attained goals by getting packages ready with proper documentation LOAN OFFICER US BANK 2000-2002

• Top 10 salesperson

• Helped branches attain their real estate loan goals

• Built relationships with branch personnel for referrals

• Organized leads for even distribution among loan officers ASSISTANT BRANCH MANAGER US BANK 1996-2000

• Managed overdraft accounts

• Coached staff to sell bank products and evaluated performance goals and results

• Organized speakers to develop staff both professionally and personally

• Top salesperson in District 3 several quarters

• Managed large business accounts by transferring and wiring money Education

COMMUNICATION STUDIES - MAJOR / BUSINESS ADMINISTRATION - MINOR 1994 MANCHESTER UNIVERSITY, IN

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