FREDA HAYES

**** ********* ***** · Maineville, Ohio 45039 • adt35z@r.postjobfree.com (C) 513-***-****

PROFESSIONAL SUMMARY

Results oriented Mortgage professional with over 20 years of experience in loan management, auditing/compliance operations and Underwriting. Expertise in customer service relations and supervision. An ambitious leader extensively trained in fraud awareness and Mortgage operations. Motivated Underwriting Manager passionate about providing excellent customer service and exceeding expectations. Experienced Manager, Compliance Auditor, FHA DE Underwriter, VA LAPP/SAR Underwriter, LP / DU Automated Underwriter, USDA Underwriter, Conventional Underwriter, and trainer. Detailed professional successful at meeting and exceeding results with proven record of increasing productivity, employee performance and ability to get things done.

PROFESSIONAL SKILLS

Management

Compliance Auditing

Staff Training/Development

Team Building

Strategic Planning

VA LAPP/SAR Underwriter

FHA DE Underwriter

Critical Thinking

Strong Analytical Skills

Process Improvement

PROFESSIONAL EXPERIENCE

DHI MORTGAGE February 2022 to August 2022

Mortgage Underwriter

FHA DE, VA LAPP/SAR, USDA, and Conventional Underwriter

Advanced income analysis in reviewing self-employment, corporate and partnership returns.

Approved loans

Advanced asset analysis and experience working with all types of extensive layering of risk.

AMERICAN BANCSHARES June 2021 to January 2022

Mortgage Underwriter

FHA DE, VA LAPP/SAR, USDA, and Conventional Underwriter

Advanced income analysis in reviewing self-employment, corporate and partnership returns.

Approved loans

Advanced asset analysis and experience working with all types of extensive layering of risk.

UNION SAVINGS BANK (Cincinnati, Ohio) October 2017 to April 2021

Correspondent Lending Manager / FHA DE and VA LAPP/SAR Underwriter

Managed department consisting of Underwriters, Processors, Closers and Post Closers

Priced Loans with Investors

FHA DE, VA LAPP/SAR, USDA, and Conventional Underwriter

Improved daily production levels

Increased sales production by $30 Million in 2019

Underwrite FHA, VA, USDA, and Conventional when needed to back up Underwriters

Work with loan officers to structure loans

Train, coach, and mentor staff

NRL MORTGAGE (Cincinnati, Ohio)

Mortgage Underwriter 2016 -2017

FHA DE, VA LAPP/SAR, USDA, and Conventional Underwriter

Managed high volumes of financial activity in a fast-paced, risk-based corporate environment.

Advanced income analysis in reviewing self-employment, corporate and partnership returns.

Advanced asset analysis and experience working with all types of extensive layering of risk and evaluation.

FIFTH THIRD BANK (Cincinnati, Ohio) 2013 – 2016

Mortgage Underwriter

FHA DE, VA LAPP/SAR, USDA, and Conventional Underwriter

Managed high volumes of financial activity in a fast-paced, risk-based corporate environment.

Advanced income analysis in reviewing self-employment, corporate and partnership returns.

Advanced asset analysis and experience working with all types of extensive layering of risk and evaluation.

WELLS FARGO HOME MORTGAGE (West Chester, Ohio) 2012 – 2013

Underwriting and Closing Manager

Managed and directed a team of 18-20 Underwriters and Closers.

FHA DE, VA LAPP/SAR, USDA, and Conventional Underwriter

Managed high volume of financial activity in a fast-paced, risk-based corporate environment.

Improved daily production levels.

Received the highest consistent loyalty scores in the past 6 years.

Quality and Compliance were the strongest attributes in 2013.

Recognized as Flood subject Matter Expert.

Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and community Reinvestment Act.

WELLS FARGO (West Chester, Ohio) 2008 – 2012

Site Quality Control / Compliance

Audit loans to ensure compliance with Corporate Credit and regulatory requirements.

Monitor new regulatory developments, and coordinate initiatives to comply with new requirements.

Identified training opportunities and developed training procedures accordingly.

FHA DE, VA LAPP/SAR, USDA, and Conventional Underwriter

Supported management through risk identification, control testing and process improvement procedures.

Reported internal control issues to management and supplied comprehensive recommendations to mitigate the associated risks. Communicated audit results to upper management through written reports and oral presentations.

SHELTER MORTGAGE (Maineville, Ohio) 2001 – 2008

DE Underwriter / VA LAPP/SAR Underwriter / Managed Builder Groups

Managed high volumes of financial activity in a fast-paced, risk-based corporate environment.

FHA DE, VA LAPP/SAR, USDA, and Conventional Underwriter

Advanced income analysis in reviewing self-employment, corporate and partnership returns.

Advanced asset analysis and experience working with all types of extensive layering of risk and evaluation.

Recommended loan approvals and denials based on customer loan applications reviews.

Adhered to all federal and state compliance guidelines relative to retail mortgage lending.

Evaluated mortgage loan risk based on sound underwriting decisions.

EDUCATION

Oklahoma Christian University (Edmond, Oklahoma) / Bachelor of Science – Marketing/Accounting

ACCOMPLISHMENTS

Award: 2012 Top Business Leader in 1st time Approval for New York region 59

Received recognition for being in the top 20% of all Gallup results, for Team Member Connection Survey, a national best practice benchmark.

Improved daily production levels.

Received the highest consistent loyalty scores in the past 6 years.

Quality and Compliance were the strongest attributes in 2013.

Recognized as Flood subject Matter Expert.

Award: MVP with NRL Mortgage

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