Jacqulyn M. Bennett

Carrollton, TX 214-***-**** adufe4@r.postjobfree.com

Accomplished Senior Underwriter with 15+ years of experience managing a high-volume workload with an emphasis on quality, customer satisfaction, and timely delivery of loan closures. Known as a Subject Matter Expert and trusted advisor, training team members and external customers on FHA, VA, and Fannie Mae loans. Proficient as a self-starter, requiring minimal supervision throughout completion of loan packages. Professional Experience

Colonial Savings Fort Worth, Texas

Senior Underwriter June 2016 - October 2022

● Leveraged industry success and expertise, maintaining accountability for underwriting FHA, conforming, non-conforming first lien mortgage loans, Non-QM Portfolio, closed end second liens, and home equity lines of credit

● Established and managed strong working relationships with loan processors, loan officers, and loan processing managers, allowing for timely completion of underwriting processes

● Elevated customer satisfaction through consistent follow up communication from initial contact to close

● Acknowledged as a top performer and producer throughout role, recognized for superb multi-tasking skills and delivery of quality services

Fannie Mae Dallas, Texas

Quality Assurance Underwriter April 2015 - April 2016

● Achieved detailed analysis of closed and funded loans, ensuring compliance with Fannie Mae guidelines

● Rapidly gained expertise working within QAS2 workflow underwriting lender loans, selected for random and discretionary reviews

● Facilitated risk assessments and identified operational gaps throughout loan process

● Reported defects utilizing credit policy standards, lender contracts, QA underwriting policies, and Fannie Mae regulations, allowing for improvements in overall quality and workflow Fannie Mae Dallas, Texas

Underwriting Standards Specialist III, Outsource Vendor/Training & Consistency Jan 2010 - April 2015

● Handpicked to serve as Subject Matter Expert for outsource vendors, mentoring up to three vendors on best practices

● Trained and developed vendor underwriters on forensic underwriting practices, Fannie Mae guidelines, and exception parameters

● Performed site visits to multiple vendor locations, outlining individual details and achievements to communicate to senior management teams

● Spearheaded weekly conference calls and created agendas for weekly/monthly team meetings

● Reviewed vendors to ensure execution of ongoing policy and procedural changes within the National Underwriting Center Credit department

● Exceeded quality expectations by efficiently closing loan audit reviews of vendor loans

● Identified market trends and delivered hands-on training to ensure all vendors stay current on market conditions

● Processed appeals with Fannie Mae Quality Control and Letter Writing groups, representing vendors during detection of errors

● Documented loan review results and long-term training expectations for senior management Fannie Mae Dallas, Texas

Anti-Fraud Investigator September 2008 - June 2010

● Aligned review procedures with Fannie Mae regulations, analyzing loan for potential misrepresentation

● Collaborated with law enforcement personnel to report fraud, allowing for customers to repurchase

● Employed internal and external databases to secure background and research documents to further investigate loan-level mortgage fraud

Guaranty Bank Dallas, Texas

Underwriting Manager December 2001 - July 2008

● Directed all aspects of underwriting activities for loans submitted for purchase by the Correspondent Lending division

● Generated training programs, performing customer seminars to prepare for delivery of prior approval

● Implemented department policy and procedures within the Prior Approval Underwriting sector to refine underwriting functions

● Liaised with senior management to cultivate monthly, quarterly, and annual loan exception reports

● Mentored and coached internal personnel and customer base on portfolio underwriting procedures and product parameters

Additional Experience

Senior Underwriter WR Starkey Mortgage CTX Mortgage Corporation

● Emphasized customer satisfaction, quality, and timely delivery of services for a high-volume customer base throughout tenure

● Accountable for underwriting conforming and non-conforming first lien mortgage loans Quality Control Underwriter Guaranty Bank

● Progressed from role as Senior Underwriter to serve a key role in the development and facilitation of first lien quality control procedures

● Worked alongside department managers to communicate findings and final decision by seller National Underwriting Manager CTX Corporation

Senior Underwriter Countrywide Home Loans

Core Competencies

Underwriting, Quality Control/Assurance, Customer Satisfaction, Conforming and Non-Conforming Loans, Report Development, Training and Development, Fannie Mae Guidelines, Organization and Time Management, FHA, VA, and Conventional Loans, Strong Presentation and Communication Skills, Self-starter Education/Certifications

Highest Degree of Education- Northeast High School 1979- General Studies, Oklahoma State University 1979-1981- General Studies

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