Cynthia E. Peters

**** *********** **. ****** *******, Ga. 770-***-**** {adufm0@r.postjobfree.com

Objective

To acquire a job based on my history of experience. I have been I th4e mortgage industry for 39 yrs. And want to change my career due to the abundance of layoffs and recessions. I have lived through 3 during my 39 years in the mortgage industry. I am a quick learner and will be an asset to your company.

Education

Dekalb Community College Dekalb Ga.

Completed 2 yrs. toward fashion merchandising degree. No Degree

Awards: Loan Processor of the Year, Processor of the month 10 months consecutively, Underwriter of the month, Underwriter of the monthly, I was top 10 of the company consecutively. Team player award- most valuable player award, Team Leader, Passionate award, Line of Duty award- for ethic and hard work, Employee of the month voted by management and staff.

Experience

11-3-2016 to 9-30-2022

Evertt Financial dba Supreme Lending Mortgage Comp.- Alpharetta, Ga

Assisted senior executives with final loan closings and underwriting.

Coordinated with submission for closings with closing department.

Clear all conditions to proceed with package.

Underwriter file wit in timely manner. Turn time with I 24/48 hours, same with conditions to be cleared

Controlled loss by assessing risk of each file.

Following Government guidelines as well as FNNA/FHLMA Guidelines and company guidelines.

Sole Underwriter for southeastern Region.

Supported review, acceptance or denial of new or renewal business by providing knowledge to loan officers.

Tracked and updated origination guarantees in conjunction with Sr. Underwriting Keeping financing terms in line with company profile and risk, Mangement objectives and guidelines.

Provide High level of knowledge to processors and loan officers helping with reviews, classification of loans applications.

Training other Underwriters how to complete a VA LAPP- appraisal review and complete the NOV’s.

Paperless Underwriting, Worked remote from home. Encompass system and blitz docs.

Loans Underwrite were Conventional, FHA and VA.

8/28/15 - 9/19/2016

Homebridge Financial Mortgage Peachtree City Ga.

Sr/ Underwriter

Responsible for Underwriting files within 24/48 hours and clear conditions within 24 hours.

Completing VA Lapps and competing NOV of appraisal review.

Clearing conditions in a timely manner.

Attending meetings weekly.

Paperless Underwriting. Worked remote from home. Encompass system and blitz docs.

Underwriters are required to help train processors with the knowledge.

Notify loan officers and processors of decline and approved loans. Communicate with the Loan officers any alternative to approve loans that have been denied.

Underwrote VA, FHA and Conventional loans.

11/2009-5/2015

Wells Fargo Home Mortgage, Alpharetta, Ga.-

Sr. Underwriter

Responsible for credit decisions making on Conventional, FHA, VA loans.

Turnaround time 24 to 48 hours (about 2 days) for decisions.

Underwire files based on Wells Fargo guidelines and FHA, VA and FHLMC/FANNIE MAE.

Complete VA Lapps, appraisal reviews assigned.

Help train Processors on conditions.

3/2008- 10-2009

Primary Capital Mortgage Advisors

Sr. Underwriter

12/1995 - 6/2007

HomeBanc Mortgage

Sr. Underwriter

Risk manager/Sr. Underwriting/Processor

Accepted Increased responsibility, demonstrating flexibility to learn quickly new programs.

Accomplished in supporting sales and management.

Handled individual’s needs of manager and branch manager.

Answered staff inquiries and advised personnel on administrative and clerical matters.

Analyzed data and formulated solutions for specific problem areas.

Provide timely and accurate information and resolve critical problems.

Oversee a team of 8 people on my team.

Once becoming a Underwriter (5/1999), Approving loans with specific problem limits.

Analyzed applicant’s financial status, credit and property evaluation to determine feasibility of approval of loan,

Supervised personnel and completed reports to management daily and weekly.

Worked with top producer for 2 yrs.

5/1987-12/1995

Lead Processor

PNC Mortgage Corp Atlanta, Ga.

9/1986-5/1987

Dominion Mortgage Marietta, Ga.

Processor

2/1986-9/1986

Loan Processor

GMAC Mortgage Riverdale, Ga.

3/1984- 2/1986

Georgia State Bank

Processor/Construction Lending

Involved with construction lending draws and conventional loan processing set up for the company.

Performed outside inspection reviews for construction draws for builders.

Keeping logs on the construction loan in order and disbursement of funds to builders weekly.

Typing set up loans for conventional loans.

4/1983- 3 1984

Fulton Federal Savings Bank

Teller/Processor

Certifications:

FHA DE BY HUD K727

VA CERTIFICATION –VA 8487

SPECIAL SKILLS:

LOAN PROSPECTOR- LP

DESKTOP UNDERWRITER- DU

FHA, VA, AND CONVENTIONAL LOANS

INTERNET, MICROSOFT OFFICE

TYPING AND CLERICAL WORK

DOS COMPUTER SYSTEMS, BLITZ DOCS, ENCOMPASS, CORE (WELLS FARGO BUILT PROGRAM).

PAPERLESS UNDERWRITING

FHA CONNECTION STANDARD USER’

FRAUD GUARD.

Awards & Acknowledgement

Underwriter top 10 underwriter for the company.

Received Most Valuable Player award (for team player)

Team Leader

Passionate Award- Customer service award

In the Lune of Duty Award- for ethic and hard work

Employee of the month voted by staff and management for many companies.

Contact this candidate