JANINE (GINA) LAWRENCE

linkedin.com/in/gina-lawrence22

716-***-**** adttjz@r.postjobfree.com

PROFESSIONAL SUMMARY

Banking and Mortgage Professional with 20+ years’ experience in sales, insurance, customer service, management, underwriting, bankruptcy, mortgage processing, funding, and closing. Key Strengths:

• Analytical Skills • Problem-Solving • Risk Management

• FHLMC & FNMA Guidelines • Loan Products & Services • Customer Service

• Time Management • Team Player • Performance Management Technical Skills:

Word, Windows, iSeries, Outlook, MSP/Director, Black Knight/Empower, Acer, Pacer, NDC, DU/LP, TPX/Hogan/CPI, Data Verify

PROFESSIONAL EXPERIENCE

M&T BANK 2020 - 2022

Mortgage Underwriter, Assistant Vice President

Conducted complete analyses of mortgage and home equity loan applications including review of title, appraisals, home and mortgage insurance, flood certifications, tax returns, and credit and assets used in the loan decision making process.

• Restructured loans as needed to make them eligible for approval.

• Calculated standard and self-employed income.

• Reviewed and cleared loan conditions to ensure efficient loan processing.

• Utilized DU and LP engines.

• Complied with all bank and investor guidelines.

BANK OF AMERICA HOME LOANS 2009 - 2020

Mortgage Bankruptcy Team Leader

Serviced FNMA, FHLMC. VA, and Conventional mortgage loans in active bankruptcy. Handled complex and litigated loans. Trained and coached employees on team.

• Performed weekly loan audits to ensure compliance.

• Wrote bankruptcy procedures for publication.

• Reviewed all Chapter 7, 11, 12, and 13 bankruptcy plans.

• Completed payment histories, Motion for Reliefs, Proof of Claims, and Notice of Defaults.

• Monitored court docket for all filing of discharge, dismissed, relief granted and bankruptcy closings. HSBC MORTGAGE CORPORATION 2000- 2009

Mortgage Underwriter (2005 - 2009)

Conducted complete analyses of mortgage loan applications working in both retail and broker channels. Review title, appraisals, home and mortgage insurance, flood certifications, tax returns, credit and assets.

• Calculated standard and self-employed income.

• Trained new employees.

Janine (Gina) Lawrence Page 2

PROFESSIONAL EXPERIENCE (CONT.)

HSBC BANK USA N.A.

Consumer Banker and Licensed Insurance Sales Professional (2000 - 2005) Serviced commercial customers with their banking and investment needs. Supervised tellers, performed monthly bank cash audits, and initiated life and health insurance sales. Provided coaching to staff, supported the performance review process, and held monthly staff meetings. EDUCATION

ERIE COMMUNITY COLLEGE

Associates Degree, Business Administration

LEON’S STUDIO ONE SCHOOL OF BEAUTY KNOWLEDGE

New York State Cosmetology License

Contact this candidate