Amanda J Brown

**** **** ****** **

Little Elm, TX 75068

469-***-****

adt776@r.postjobfree.com

Objective

I am seeking an opportunity to continue my career as a mortgage professional that will provide me with challenges and opportunities for growth. My dedication to my career delivers a proactive approach, with a positive attitude and a strong desire for continuous improvement.

Experience

Experience as an underwriter, processor, closer and funder.

Document Analyst/ Mortgage Processor Tailored Management (Contract for Morgan Stanley) September 2021 to December 2022

Responsible for the initial review of applications from Sales to determine if loan can be moved to underwriting. Requested additional documentation if needed to meet minimum requirements to obtain an initial approval. Review was done also to determine if Project Review or Entity Review was required. Ordered all vendor services such as appraisal, flood, homeowner’s insurance, verifications of employment, payoffs, title reports, verification of rent, verification of mortgage, credit supplements and other various items needed. Review of additional requirements and documentation to complete conditions for final approval. Once final approval was received, prepared loan for closing and funding. Independently maintained large pipeline while ensuring all locks, disclosures and expiration dates were within guidelines. Mentored and trained new associates and provided additional pipeline coverage to fellow associates as needed. Provided superior quality and customer service while exceeding production goals

Mortgage Processor Guaranteed Rate, Inc February 2021 to August 2021

Work closely with Loan Officers to ensure a timely and accurate experience for clients-from first time home buyers to refinancers-throughout the entire mortgage process. Scheduling and tracking of closing dates, contingency dates and loan lock expirations. Review loan approvals and address all conditions required for underwriting and closing. Receive on-going, comprehensive training and become an expert on home loan products and the mortgage process. Scheduling and tracking of closing dates, contingency dates and loan lock expirations. Prepare and submit timely and accurate loan files to the Closing Department. Use state of the art technology to manage loan pipeline as well as conduct credit and underwriting analysis. Provide world-class customer service and respectful, consultative guidance to clients.

Mortgage Processor Tailored Management (Contract for Morgan Stanley) February 2020 to February 2021

Responsible for the initial review of applications from Sales to determine if loan can be moved to underwriting. Requested additional documentation if needed to meet minimum requirements to obtain an initial approval. Review was done also to determine if Project Review or Entity Review was required. Ordered all vendor services such as appraisal, flood, homeowner’s insurance, verifications of employment, payoffs, title reports, verification of rent, verification of mortgage, credit supplements and other various items needed. Review of additional requirements and documentation to complete conditions for final approval. Once final approval was received, prepared loan for closing and funding. Independently maintained large pipeline while ensuring all locks, disclosures and expiration dates where within guidelines. Mentored and trained new associates and provided additional pipeline coverage to fellow associates as needed. Provided superior quality and customer service while exceeding production goals.

Employment Gap Medical Leave May 2918 to February 2020

Loan Processor Genpact April 2016 to May 2018

Took ownership of loan once application was submitted from loan officer. Reviewed file and made initial contact with all necessary parties. Reviewed file for completeness, accuracy and requested additional documents as needed. Ordered all vendor services. Review of all documentation received and submitted loan to underwriting.

Once final approval was received, prepared loan for closing and funding. Independently maintained large pipeline while ensuring all locks, disclosures and expiration dates where within guidelines. Mentored and trained new associates and provided additional pipeline coverage to fellow associates as needed. Took on additional responsibilities to assist manager in daily operations. Provided superior quality and customer service while exceeding production goals.

Loan Processor Prime Lending August 2014 to August 2015

Pre underwrite initial submission of loan from sales prior to submitting loan to underwriting. Submitting a complete loan file to underwriting with minimal conditions remaining while maintaining 100% Compliance and QA rating. Maintain all contact with parties involved in transaction. Order all services such as appraisal, title, credit, flood and verifications. Update loan with documents received or acquiring additional documentation as needed to deliver a fully salable loan to investor upon final approval. Update pipeline with closing dates, lock dates and document expiration to supply executive management an accurate forecast report.

Home Service Specialist Bank of America May 2009 to August 2014

As a Home Service Specialist II - Manage a pipeline that included Conventional, FHA and MHA. Responsible for obtaining all necessary documentation to close loan, use of SASE Level 2 underwriting authority to clear conditions and final approve loans without any deficiencies. Effectively manage all communication with borrowers, title companies, and MLOs. Mentor and train new staff. Maintain high volume of closings with minimal defects and move loans within acceptable time frames.

As an Underwriter – Responsible for completing the initial, conditional, and final approval or decline of the loan. Reviewed documentation in file submitted by the processor to validate the risk, income, credit, assets, collateral and the overall transaction. Maintain a service level agreement of 24 hours on initial and final approvals, and 48 hours for conditions with a minimum file review of 10 loans per day. Worked with more senior underwriters when red flags and exceptions were involved. Mentored experienced processors to be able to obtain their Level 1 underwriting level.

Achievements: Promoted from Home Service Specialist II to Underwriter, maintained superior quality while exceeding production goals

Mortgage Associate Gateway Mortgage Group April 2008 to March 2009

Validated the submission of new loan applications from branches and brokers for accuracy and completeness. Perform initial underwriting of the file based on DU or LP findings for Conventional, FHA, VA, USDA and Section 184 loans. Counteroffer or decline as necessary based on guidelines and borrower’s profile. Submit a complete loan to senior underwriting for validation and formal decision. Prepared closing documents after performing a quality control check to ensure all conditions and guidelines satisfied. Conditioned loan with prior to funding conditions if necessary. Balancing of loan and ordering wire for funding. Audit documents after closing to ensure completeness and accuracy for funding. Provided excellent customer service to internal and external clients and maintained open communication with all parties involved.

Achievements: Maintained expertise with Conventional while furthering experience on FHA, VA, Section 184 and USDA loans.

Loan Specialist II Countrywide Home Loans May 2006 September 2007

Responsible for obtaining all necessary documentation to close the loan without any deficiencies prior to an underwriting submission. Submission to underwriting to validate documentation and maintained 98% accuracy in error free audits. Responsible for obtaining approval for both the borrower and the builder. Project underwriting plans and specs and initial disbursements from builders. Effectively manage all communication with borrowers, title companies, and MLOs. Mentor and train new employees. Maintain high volume of closings and move loans within acceptable time frames.

Achievements: Maintained 100% rating by borrower rated surveys

Mortgage Processor II Pulte Mortgage LLC June 2005 to April 2006

Ensure that the loan is complete to meet strict underwriting and investor requirements for Fannie Mae, Freddie Mac, and Non-Agency Investors. Maintain and coordinate close relationships with borrowers, loan officers, and title. Monitor files in process and obtain updated documentation as needed while underwriting as necessary. Responsibilities also included assisting new staff member transition into a self-sufficient environment. Closely work with the post-closing department to maintain a low percentage of deficiencies in our region.

Achievements: Received underwriting authority using DU, LP, Clues/Clout

Mortgage Specialist II Wells Fargo Home Mortgage October 2001 to October 2004

Working knowledge of the mortgage process for conventional and FHA loans while following Wells Fargo, Fannie Mae, and Freddie Mac guidelines. Validation of loan conditions such as credit, assets, income, title, hazard insurance, mortgage insurance, flood certifications, and appraisals. Responsible for ordering appraisals, finals, credit reports, title commitments, flood certificates, and hazard insurance. Experience as a processor and a closer.

Achieving a productivity level of 45 closings per month and while maintaining a 95% customer satisfaction rating. Mentor for new employees while specializing in select new construction and builder programs.

Achievements: Service Excellence Nominations, Awarded Service Conference Winner with a trip to Riveria Maya, Mexico.

Loan Representative II Colorado State Employees Credit Union August 2000 to September 2001

Underwrite and process 1st lien and 2nd lien mortgages and various consumer loans while maintaining quality and productivity. Schedule and perform loan closings daily. Audit and review employee’s work to ensure that it is within compliance and regulation. Analyze branch performance and suggest alternatives. Assist in perfecting and releasing liens with the county.

Achievements: Completed and received awards for passing 35 Star exams.

Loan Supervisor Bellco Credit Union August 1997 to August 2000

Consistently met and exceeded corporate goals and expectations while enforcing quality customer service for internal and external customers. Functions of this position included underwriting and processing approximately 125 applications per month for consumer loans, while coaching and developing staff to maintain a strong team environment. Responsible for hiring staff and performing quarterly staff reviews. Conducted staff meetings weekly to review progress and areas needed for change.

Achievements: 1999 Presidents Club Winner

Education

University of Phoenix Associates in Accounting November 2007 to November 2009

Contact this candidate