REGINNA M. HALL

Elgin, SC 803-***-**** adumh8@r.postjobfree.com

An innovative, multifaceted, and solutions-focused professional with over 20 years experience in lending programs, benchmarking analysis and reporting, credit analysis, auditing, risk assessment, and management. Forward-thinking leader and enterprising problem-solver with tactical foresight and verifiable success capitalizing on growth opportunities improving bottom-line performance, and optimizing organizational efficiency through delivering value-added risk management strategy, operating regulatory, compliance policies and procedures.

Articulate communicator and presenter with a direct and decisive management style that focuses on matrix teamwork and application of all agency guidelines, investor guidelines, aggregate requirements, and federal regulations to the decision process to ensure loan quality and stability.

Consistent track record of establishing a clear endpoint vision, mapping out and spearheading the optimal course of achievement while anticipating and avoiding the obstacles along the way. Core Competencies

Mortgage Underwriting Credit Analysis Risk Assessment & Management Due Diligence Quality Assurance Loan Documents Review Insurance Review Claims Verification Appraisals Review Credit Policy Strategy Planning & Execution Process Improvement Research & Investigation Application Analysis Queries Management Requisitions Creation Team Building & Development Contract Development Mortgage Closing Insurance Liaison Property Appraisals Lending Programs Development Client Follow-up Regulatory Compliance Cross-functional Collaboration PROFESSIONAL EXPERIENCE

DE/VA Underwriter III December 2020 – November 2022 PRMG, Inc. ~ Columbia, SC

Ultimately charged with underwriting the credit and collateral portion of new files, including accurately calculating income, assets, ratios, and credit to ensure each loan conforms to FHA/VA guidelines and possible investor overlays.

• Evaluated FHA products to HUD county limits, which include high balance loan amounts.

• Performed in-depth credit analysis on potential and current clients to ensure products/structure, credit policies, and underwriting within guidelines.

• Evaluated Fannie Mae/Freddie Mac conventional, USDA, Housing, and Bond loans for approval.

• FHA manual underwriting.

• Managed pipeline through use of excel.

• Managed files from beginning to end to ensure quality, insuring, and saleability. DE Underwriter June 2016 – December 2020

Guild Mortgage Company ~ Columbia, SC

Took a “big picture” approach with review of financial statements, credit reports, and applicable ratios to qualify customers; evaluated loans to ensure accuracy and completeness.

• Provided key insightful assistance to the management and team with any additional work overflow, including VA loan document review on a needed basis. Assisted in re-negotiations of loans based on lending guidelines.

• Developed official reports for evaluation, checking for compliance with company and industry standards and guidelines.

• Evaluated FNMA, FHLMC, FHA, and USDA mortgage applications to ensure compliance was met within company policy and investor requirements.

• Communicated with clients and business associates to ascertain necessary information and provide explanations for credit decisions.

Underwriter II November 2010 – May 2016

TD Bank Inc. ~ Columbia, SC

Supported TD Bank's mission, vision, strategic goals, quality initiatives, and service standards while supporting and providing exceptional service. Provided a high-quality of risk assessment, credit structure, due diligence, and credit presentation; communicated effectively with customers to understand their needs and objectives regarding loan requests.

• Conducted in-depth credit analysis, with most accounts including a wide variety of portfolios with a high degree of complexity; sizable portions of a larger client portfolio.

• Risk Assessment and Management and Loan Loss Risk (determined if this is a loan we should make.)

• Oversaw all phases of the application process, including gathering information required by lenders to complete a loan application.

• Provided customers with feedback on the status of their applications throughout the approval process and assisted them in completing any additional documents that may be required during the processing of an application. Work Director April 2008 – October 2010

Wells Fargo Bank NA ~ Columbia, SC

Managed a group of loan administrators and adjusters, establishing work priorities, assigning tasks, and keeping tabs on progress. Acted as an escalation point for specialists to resolve issues and provide training. Achieved organizational objectives, ensuring all procedures were in compliance with government regulations and company policies.

• Analyzed and calculated income and debt ratios to determine customer ability to repay loans.

• Reviewed loan-to-value ratio, credit reports, income, and overall collateral to ensure that each loan met secondary market, investor, and company standards. Government Processor Wachovia Mortgage FSB

• Facilitated loan closings by communicating directly with sellers, brokers, and title and settlement agents.

• Reviewed loan documentation terms and conditions, audits, and loan records. Underwriter II February 2008 – April 2008

Spherion c/o Indymac Bank FSB ~ Marlton, NJ

Employed a consultative-based approach to conducting thorough research on each policy, including reviewing medical records and speaking with patients' doctors. Leveraged subject matter expertise in negotiating settlements between insurers and claimants to avoid litigation. Accurately verified data integrity to ensure accuracy, completeness, and compliance.

• Reviewed coverage applications and determined whether applicants were eligible for benefits.

• Reviewed electronically submitted and traditional (manual) loans and rendered approval or denial.

• Analyzed risk factors with regard to certain loans such as home equity, consumer, boat, etc. and rendered approval or denial in compliance with company policy.

Underwriter II March 2006 – February 2008

Indymac Bank FSB ~ Columbia, SC

Managed a team of underwriters to ensure the timely and accurate processing of loan applications, including reviewing credit bureau reports for accuracy and completeness. Provided management with high-level support for special projects, such as developing new products or enhancing existing processes/procedures, as required.

• Guided customers on loan decisions, work-out options when appropriate, and any other information that may be required by law or regulation.

• Contributed to training new workers on corporate policies and procedures and provided feedback on job-related performance issues.

• Utilized technical proficiency with Microsoft applications to create excel spreadsheets for current trades, trade fallout, and monthly, quarterly, and annual reports.

• Reviewed and analyzed information needed to assess consumer credit request. Provided risk assessment and risk management during review of income, debts, assets, credit history, collateral, and capital when required. EARLY CAREER EXPERIENCE

Relationship Coordinator Netbank, Inc. ~ Columbia, SC April 2003 – March 2006 Sub-Prime Underwriter HomeGold, Inc. ~ Columbia, SC May 2001 – April 2003 CSR BellSouth Telecommunications ~ Columbia, SC January 2001 - May 2001 Auditor HomeGold, Inc. ~ Lexington, SC July 2000 – November 2000 Correspondent Liaison RBMG, Inc. ~ Columbia, SC June 1997 - July 2000 EDUCATIONs

BS Criminal Justice University of South Carolina VALUE-ADDED SKILLS

• Extensive technical skill set — proficiency in Microsoft Word, Excel, and PowerPoint and a propensity for quickly adapting to new technological programs and systems.

• Effective communicator and relationship builder with superior detail orientation who gathers and imparts information effectively across all management and engenders collaborative spirit, consistently resulting in extraordinary outcomes.

• Extensive leadership experience engaging clients in the conversation to determine their mortgage financing needs and providing them with suitable solutions. Competent in reviewing loan agreements to determine accuracy and completeness.

• Proficient in determining clients’ financial situations and backgrounds to ensure timely payback.

• Talent for conferring with underwriters to determine barriers to passing loan applications and aiding in resolving related issues. Focused on providing exceptional client services to ensure repeat business opportunities.

• Highly skilled in following processes and procedures when maintaining liaison with loan underwriters, clients, and management.

• Adept at collecting statistical data and preparing relevant periodical reports.

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