Traci A Woods

*** ** ******* **. • Godfrey Illinois 62035

618-***-**** • adt0cq@r.postjobfree.com

Mortgage Underwriting •Quality Assurance• Mortgage Processing • Mortgage Closer

• Experienced motivational team leader with excellent record of mentoring and training outstanding employees.

• Strong leadership ability with experience in operations and logistics.

• Consistently provides high quality results that meet and exceed expectations and company goals.

• Increase profits through process improvements and implementation of new processes.

• Highly accomplished multi-tasked with proven ability to maintain high levels of production during periods of volatility.

Management • Interpersonal Skills • Business Development Client Relations Competitor Analysis • Operations • Strategic Planning • Product Rollout • Process Improvement • Team Building/Mentoring • Performance Management • Logistics/Inventory management EDUCATION

Institute of Financial Education-Fontbone College St Louis Mo- Business Management John A Logan College Carterville Il-Business Management Lewis & Clark Community College Godfrey Il-Business/Data Processing PROFESSIONAL EXPERIENCE

Underwriting Lead/FHA Senior Underwriter IV • Paramount Residential Mortgage Group- October 2020-Present Strong understanding of mortgage loan products (FHA/VA/CONV/USDA) and knowledge of mortgage documentation, processes, and procedures. Self-starter, problem-solver, and decision-maker with a can-do attitude who embraces challenges and can multitask in a fast-paced environment.

• Excellent skills in leading, training, developing, motivating, and inspiring teams through dedicated communication and management

• Clear conditions, resolve any issues and restructure the loan as needed by working with the Processing and Underwriting teams to assure efficient and successful loan closures

• Maintain and update workflows, procedures, and policies to ensure smooth operations and address challenges with strategic resolutions as they arise

• Follow the loan pipeline carefully to make sure that internal compliance policies are being adhered to and customers are satisfied with our service

Underwriting Manager/Senior Auditor Remote • Synergy Fulfillment Services LLC a Division of Gulf Coast Bank & Trust- January 2016-October 2020

Responsible for all Underwriting procedures within fulfillment operations including due diligence, verifying & updating information in client origination systems as well as fully underwriting/decision mortgage loan files. Proficient in FHA, VA, USDA & Conventional loan Underwriting. Audit reviews of processed loan packages & final underwriting results for compliance & completeness. Confirm receipt & acceptance of outstanding conditions required prior to issuing clear to close.

• Remote Underwriter

• DE Certified.

• Accountable for compliance with all laws & regulations.

• Manages mortgage loan audits on all loan types utilizing agency guidelines, client overlays, CFPB, FHFA, state, and federal guidelines

• Current on all agency, state and federal guidelines and provide training and updates to employees

• Ensure reports are accurate and resolve outstanding issues Underwriter/Scenario Help Desk SME Remote Contract • Delmar Financial Co, St Louis, MO April 2017-May 2018 Responsible for all scenario help desk Q & A. Maintain and distribute guideline updates from FNMA, FHLMC, FHA and other investors. Maintain underwriting Policy and Procedures with underwriting manager based on agencies and investors guidelines. Liaison with shipping to oversee suspense items.

• Remote Underwriter

• Continual training for Underwriting regarding investor changes, new investors, guideline updates, system changes, state & federal regulations, etc.

• Provide answers to underwriting policy & guideline questions Mortgage Underwriter Remote• GSF Mortgage Brookfield WI April 2015 – January 2016 Responsible for rendering credit decisions on incoming applicants consistent with internal and insurer policies, mortgage commitments, and verifying supporting documentation as submitted by supporting staff. Underwriting team supports all locations throughout the United States. Efficient production underwriting purchase & refinance transactions for FHA, USDA, & Conventional lenders.

• Achieving productivity standards and qualitative seller satisfaction targets

• Remote underwriter.

• Comply with all department and company policies, procedures and regulations. Mortgage Underwriter Remote • American Equity Mortgage • St Louis MO • March 2014 – April 2015 Timely and efficient underwriting for FHA, VA, USDA & Conventional loans to investor, agency & lender guidelines. Underwriting team supports all locations throughout the United States. Efficient production underwriting purchase

& refinance transactions for FHA, VA, USDA, & Conventional lenders.

• Highest level of underwriting authority

• Remote underwriter

• Effective communication across all levels of the value chain

• Proven track record of exceeding expectations and goals. Mortgage Underwriting Manager • Nationstar Mortgage • St. Louis, MO • Sept 2013 – April 2014 Managed team of 15-30 underwriters ranging in authority level from 1-3. Managed a pipeline of approximately 4000 loans consisted of FHA, VA, conventional and HARP. Manage the day to day work flow for each underwriter and maintain turn times for loan review. Daily coaching and mentoring that helped all underwriters reach their highest potential. Continue to maintain the site forecasting for production as well as daily, weekly and monthly forecasting for the team. Complete daily side by side training as well as monthly one on one training with each of my underwriters. Continue daily updates with policy & procedures.

• Effective use of proprietary and non-proprietary software for underwriting purposes

• Effective communication across all levels of the value chain.

• Value added work ethic to maintain the highest level of customer satisfaction.

• Proven track record of exceeding expectations and goals.

• Highest level of underwriting authority

VP Underwriting Supervisor • Heartland Bank Mortgage • St. Louis, MO • April 2013 – Sept 2013 Managed a team of Underwriters with individual pipelines ranging from 50 to 90 loans per underwriter. Daily forecasts for the team as well as the site. Mentoring and coaching for each underwriter, ranging from one on one meeting to daily side by side interaction.

• Effective communication across all levels of the value chain.

• Mastery of underwriting, discipline and knowledge of the mortgage industry

• Experience in underwriting FHA, VA, USDA, FNMA, FHLMC Loans

• DE Certified with FHA with a broad understanding of government products and guidelines

• Proven track record of exceeding expectations and goals. Team Lead/Underwriter/SQC Auditor Contract • Wells Fargo • St. Louis, MO • Sept. 2010 – April 2013 Supervised team of 15, subject matter expert for Fannie & Freddie guidelines. Trained new underwriters, graded test cases for authority levels, conducted quality pre-audits before loan closings. Efficient production underwriting of conventional and HARP refinances with Level 4 authority. Consistently in the top 5% with production and quality for the entire site. Cooperatively working with management in the ramp up process for the new St. Louis WFHM site. Strong leadership role on the team as the regular go to person for management when effectiveness and efficiency were needed.

• Effective use of proprietary and non-proprietary software for underwriting purposes.

• Effective communication across all levels of the value chain.

• Value added work ethic to maintain the highest level of customer satisfaction. Technical Skills

Microsoft Office 10 • MS XP • MS Vista • MS Excel • MS Word • Access • DU/LP • LIS • Calyx/Point • Encompass • Doc Magic • Box • Open/Close • Mortgagebot • Byte

Contact this candidate