Loan Processor Call Center
Resume:
DAWN M DOUCETTE
MACOMB, MICHIGAN 48042
********@*******.***
EMPLOYMENT:
Remote Direct Endorsement Correspondent Underwriter- Mr. Cooper Dallas TX Responsible for reviewing all post-closing documentation of mortgage loan applications
for FHA,USDA and Conforming conventional . Review consists of loan application,
automated findings, credit, income, assets, property (title and Appraisal), sales contract
and overall ability to repay.
09/18/-9/2019 FHA Sr. Underwriter- Success Mortgage Partners-Plymouth MI
Analyze loan documentation according to internal and regulatory guidelines.
Deal directly with loan officers and to solve problems with mortgage application and
suggest alternatives when loan cannot be approved as submitted. Knowledge of Desktop
Underwriter and Loan Prospector Underwriting system. Experience as a FHA/DE and Conventional Underwriter
10/10-08/18 FHA Sr. Underwriter - Flagstar Bank – Troy MI
Analyze loan documentation according to internal and regulatory guidelines.
Deal directly with loan officers and to solve problems with mortgage application and
suggest alternatives when loan cannot be approved as submitted. Knowledge of Desktop
Underwriter and Loan Prospector Underwriting system. Experience as a FHA/DE Underwriter.
09/09-10/10 FHA Underwriter ll -UWM-Shore Mortgage – Birmingham MI
Clear incoming conditions for approved loans. Knowledge in investor guidelines,
Lending policies as well as a thorough knowledge of required documentation. Ability to
apply knowledge and judgment to detailed loan analysis in order to offer effective
Underwriting alternatives to customers. Provide status for loans and conditions.
9/03-09/09 Underwriter Sr – Loancraft – Troy MI
Analyze mortgage applications for credit worthiness, and income stability. Make loan and credit line decisions based on Charter One Bank guidelines. Make rate and loan offers to borrowers based on web applications refereed by Lending tree. Audit files for compliance issues.
8/02-9/03 Underwriter Sr - Flagstar Bank – Troy MI
Analyze mortgage applications for credit worthiness, income stability and savings
pattern. Make loan decisions based on FNMA and FHLMC guidelines. Deal directly with loan officers to solve problems with mortgage applications and suggest alternatives
when mortgages cannot be approved as submitted.
2/02-7/02 Underwriter- Sun Homes Services Inc – Farmington Hills MI
Worked as an underwriter for eighty-five manufactured housing communities. Reviewed loans before sending them to several different financial institutions. In charge of Property and Causality premium payments. Worked on a daily bases with lenders to close and approve loans. In charge of the underwriting for the Lease to Purchase program. Ran credit reports and checked debt to income ratio.
3/00-2/02 Client / Operations Manager- Edcor Data Services – Pontiac MI
Develop and Maintain strong client relationships with Daimler Chrysler clients. Completed monthly invoicing and collect receivables in less than 60 days. Work with several outside vendors to resolve client issues. Plan and execute projects using formal project management techniques and tools. Lead role in hiring and training call center staff. Prepare monthly queries and reports for client as needed. Trained as an ISO internal auditor.
11/98-3/00 Loan Processor - Manufactured Home Financing Corp - Birmingham MI
Review loan packages for discrepancies and compliance. Inputs loan data into
Computer system. Assists dealers with questions regarding loan documents and closing packages. Verifies documents balance and figures are correct. Issues checks from
Accounts Payable system. Verifies checks are issued correctly and disburses checks.
Education: Oakland Community College
Skills: Ability to interact with various contracts. Strong communication, math and
Organizational skills. Familiarity with loan programs and regulatory compliance.
Equipment: Experience with or trained on the following:
Microsoft Word - Excel - AS400- Encompass –Loan HD
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