Mortgage Underwriter Customer Service
Resume:
Lynn Benjamin
Darlington, SC *****
adtb8u@r.postjobfree.com
Work Experience
Mortgage Underwriter II
StoneHill Group - Atlanta, GA
November 2020 to June 2022
Perform Frontline Underwriting on conventional Mortgage loans, Jumbo, Manual, and Construction to
Perm. Review and clear stipulations/conditions on loans underwritten. Interact with clients to ensure quality service and on time delivery of work product. Be up to date with FANNIE MAE, FREDDIE MAC guidelines, LQI, Dodd-Frank, TRID and other necessary requirements and changes in states and federal regulations, as well as regulatory and investor requirements related to underwriting.
• Perform timely initial loan submissions and subsequent loan conditions. Average 3-4 new underwrites and conditions in a workday
• Underwrite for Wealth Management Portfolio to ensure credit risk within acceptable quality and loss. Approve credit exposure within authorized limits not to exceed 3 million dollar loan limit
• Analyze loan documents (Income, Credit, Asset, Appraisal/Collateral Reports, Disclosures, Title Reports,
Insurance Documents, Fraud Prevention Tools/Products, Purchase Contract, and any loan documentation in the loan approval process) for accuracy and completeness to deliver a valid credit decision
• Reconcile loan documents/data in client loan origination systems and Stonehill proprietary system for accuracy, completeness, ensuring all required documents and conditions are received
• Review and clear stipulations/conditions on loans underwritten
• Communicate directly with clients or affiliates to understand and clear stipulations/conditions
• Responsible for providing documentation and/or rebuttals to investors for any repurchase issues on client files
• Assure compliance with policies and procedures outlined in the investor guides, contractual obligations, as well as state and federal regulations and regulatory requirements
• Maintain current knowledge of all conventional underwriting guidelines for agencies, private investors/ portfolio guidelines and current appraisal independence standards
(HVCC/Dodd-Frank) guidelines
• Respond to client inquiries in a timely manner and as directed by supervisor
• Maintain company turn time expectations for completion and reporting
• Handle multiple tasks and prioritize workloads
• Conduct all activities in a professional manner
• Adhere to the companies “Core Values”
• Other duties and responsibilities as assigned
Loan Processor
Wells Enterprises, Inc. - Charlotte, NC
March 2017 to October 2020
Analyze financial statements, tax returns, credit reports, bpo's, appraisals and title work to enter into the system
Ensure compliance guidelines were adhere to in relation to the loan product that was being underwritten Auditing daily work for the tax department, created QA procedures/checklist
Team SME (Subject Matter Expert) to ensure the best process was being followed, daily conference calls in order to stay abreast on company policies and changes. Results producing management professional with experience in mortgage loans underwriting, default Loans negotiations, customer service, loss mitigation and loans processing. Expertise in resolving escalated customer service issues.
Ability to multi-task has excellent time management skills and a demonstrated ability to gain customer trust through providing exceptional customer service and follow up to customers, internal and external partners alike
Customer Service Representative
Kelly’s Staffing Services - Florence, SC
June 2014 to May 2017
· Provided administrative support to physicians and interpreted medical reports and data to assign ICD-9 and ICD-10 codes; entered diagnosis codes and patient information into billing software.
· Updated and managed diagnosis lists, coordinated routine documentation and coding audits, and executed qualitative analyses of discharged charges.
· Followed and maintained currency on coding, sequencing, and procedures’ best practices and updates.
· Reviewed and validated accuracy of charges, including dates of service, services provided, location, patient identification, and provider signature.
Home Loan Underwriter III
Wells Fargo Home Mortgage - Charlotte, NC
December 2012 to October 2013
Providing work direction, feedback and training to underwriting staff including mentoring lower level Underwriters/processors on credit decisions.
• Renegotiate loans based on lending guidelines, serving as a consultant/technical resource of difficult problems and questions; handling escalated loan files/calls
• Assist the loan processors, loan officers and home mortgage consultants with the moving of the loans through the approval processes
• Review more complex refinance transactions and act as a liaison and subject matter expert between the home loan processors and home loan underwriter with 1 and 3c underwriting authority Responsible for requesting documents through the conditioning, approving and suspension of Refinance transactions
• Advanced income analysis which includes experienced in reviewing self- employment, corporate and Partnership tax returns; advanced asset analysis and experience working will all types of financial documents dealing with extensive experience with layering risk and evaluation. • Established a working relationship with perspective homeowners, loan processors, loan officers and home mortgage consultants to obtain required documentation and resolve any questions or concerns via phone, email and written correspondence
• Obtained 3C lending authority for conventional conforming, FHLMC, and FNMA loans. • Training towards 4C authority with a concentration of manual underwriting. Underwriter/Quality Control
JP Morgan Chase - Florence, SC
January 2010 to December 2012
Managed assigned portfolio of conventional, GSE, and non-contractual residential loans from home Owners requesting modification assistance
• Reviewed appraisals verifying values and ensuring that there is no catastrophic damage listed in the Interior or exterior of the property that would impact the property value.
• Graded underwriters on calculations when determining affordability and eligibility for HAMP, CHAMP, and regular lines of business modifications. Managed jumbo loans ranging from 749k upwards ensuring accuracy before approving and generating documents on a trial modification.
• Monitored loan modifications being processed by MHA, GSE and State Mediation Workout Specialists in order to provide appropriate status to home owners and authorized third parties Established a working relationship with home owners and authorized third parties to obtain required documentation and resolve any questions or concerns via phone, email and written correspondence Examined loan documentations for accuracy and completeness for the verification of income process • Wrote compliance approved letters on behalf of the financial institution updating the borrower with loan status during the underwriting process.
• Reviewed loan packages for completeness and accuracy. Identifying underwriting data discrepancies. Loss Mitigation Underwriter
JP Morgan Chase - Florence, SC
September 2009 to November 2010
Received and facilitated assistance for customers in default and foreclosure, provide best assistance to the homeowner for short sale, modification, or deed in lieu options.
• Processed payments, researched accounts, implemented repayment plans, and advised customers on products and services.
• Trained employees on policies and procedures while providing the best product for the homeowner.
• Upheld fair lending practices as well as maintained daily production
• Responsible for Timely and accurate database updates
• Corresponded with customers, brokers, title companies, and attorneys by gathering documentation analysis, and file preparation/maintenance in seriously delinquent accounts in foreclosure
• Review Residential loans in default or imminent default to determine the best workout option for the home owner. Approved and denied workout options within my authority range. Ensured loan request met program and product specifications.
• Evaluate Borrower's hardship, income, and housing expenses to determine proper loan resolution.Education
Education
Bachelor's in Business Management
Limestone University - Florence, SC
August 2007 to May 2009
Associates of Arts in Legal Studies in Legal Studies Paralegal Florence Darlington Technical College
Skills
• Silent Monitoring (8 years)
• Call Center
• Customer Service
• Fnma
• Mortgage Loan (7 years)
• Underwriting (10+ years)
• Risk Management (5 years)
• Business Management (5 years)
• Fair Housing Regulations (10+ years)
• Research (5 years)
• Credit Analysis (5 years)
• Office Management (2 years)
• Management (7 years)
• Quality Assurance (5 years)
• ICD-9 and ICD-10 coding
• HMOs and medicare
• Operations management
• Quality assurance and auditing
• CPT and HCPCS coding
• Medical billing
• Medical records management
• Patient confidentiality
Certifications and Licenses
Medical Billing Certification
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