Summary

Seasoned mortgage professional with over nineteen years of experience: areas of strengths include: Sales, Processing, Underwriting, Insuring, Recourse / Remediation and Post-closing. Champion for loan excellence producing quality loans having received underwriting excellence awards and achievements across multiple positions.

Skills

Credit Policy Development

Managing Risk

Relationship Building

Supervision & Leadership

Strong Work Ethic

Training & Mentorship

Team Management

Customer Service

Critical Thinking

Problem Resolution

Experience

04/2021 – 12/2022

Regional Underwriting Scenario Lead, Cross Country Mortgage, OH

Managed loan scenario team for all VP's, sales managers and loan officers to provide guidance on Conventional, FHA, USDA, Jumbo and VA loan scenarios to ensure files are properly structured and interpretations of guidelines are being met

Performed all manual underwriting second look reviews for Conventional, USDA, FHA and VA

Completed Escalation reviews for investor exceptions

Monitor all investor, agency, FHA, VA, and Loan guideline changes, along with internal overlays to ensure loan team was up to date with changes and providing clear concise loan level approval

Monitored workflow to increase service levels while increasing staff productivity without sacrificing quality or increasing risk.

11/2020 - 04/2021

Underwriting Operations Manager, Panorama Mortgage Group, NV

Establish goals and objectives for the department Operations function

Managed underwriting department by possessing and demonstrating strong supervisory skills

Be up to date on all investor, agency, FHA, VA, and Loan guideline changes along with any overlays

Lead, mentor and coach assigned underwriters

Monitor workflows and department metrics to increase service levels while increasing staff productivity without sacrificing quality or increasing risk

Monitor file flow to ensure SLA's are consistently met or exceeded

Ensure loans are originated and closed in compliance with the Underwriter's approval as well as all federal and state regulations

Manage and redistribute workload when necessary to maintain established service levels and ensure a positive customer service experience.

02/2019 - 10/2020

SR DE Underwriter / Underwriting Trainer / UW Helpdesk Manager Keller Mortgage, OH

Managed a team of 2 loan pipeline assigners ensuring that all that SLA's on files are met

Developed/ Implemented loan scenario team for all sales managers and loan officer's nationwide to provide guidance on Conventional, FHA, USDA, Jumbo and VA loan scenarios to ensure files are properly structured, interpretations of guidelines are explained, and SLA's are met

Managed and serviced Underwriting helpdesk

First hand loan level experience with problematic loan issues, Providing guidance and training to Underwriters

Troubleshooting system issue from underwriting LOS to investor platforms

Worked closely with Encompass tech support, Fannie Mae and Freddie Mac and GUS

Collaborated with post-closing and shipping on loan level issues including and not limited to UW guidance to correct salability issues

Admin for Data Verify, Encompass, DU, LP, TWN, Blueprint and CoreLogic

Liaison for troubleshooting problematic system issues

Created and managed all dashboards used for pipeline and productivity management data in Encompass

Provide Mortgage underwriter specific training to all new hires to properly integrated them into production

Developed training materials and reviewed and approved test cases for underwriters to be released from training into production.

05/2016 - 01/2019

SR DE Underwriter, The Money Source, AZ

Perform data Input and analysis of findings in Desktop Underwriter/ LP and LOS KISS

Review of credit reports to determine credit patterns, current liabilities, outstanding judgments and collections

Asses residential mortgage appraisal forms 1004, 1025, 1073, 1004D AVM's, proficient with collateral underwriter

Evaluate Loan to Value ratios, analyze income from salaried, commissioned, self-employed, investments, fixed

Income sources and analyze assets statements for all types of asset accounts

Reconcile findings with published guidelines to address/resolve variances

05/2015 - 01/2016

SR DE Underwriter, Goldstar Financial Group, MI

Perform data Input and analysis of findings in Encompass, LP and DU

Evaluate credit reports to determine credit patterns, current liabilities, outstanding judgments and collections

Review of residential mortgage appraisal forms 1004, 1025, 1073, 1004D proficient with collateral underwriter

Calculate of Loan to Value ratios, analyze income from salaried, commissioned, self-employed, investments, fixed

Income sources and analyze assets statements for all types of asset accounts

Provide guidance to underwriting support and sales with scenarios and guideline questions.

05/2012 - 04/2015

SR. DE Underwriter, United Shore Financial Services, MI

Perform data Input and analysis of findings in Desktop Underwriter/ LP / Destiny

Review of credit reports to determine credit patterns, current liabilities, outstanding judgments and collections

Asses residential mortgage appraisal forms 1004, 1025, 1073, 1004D AVM's, proficient with collateral underwriter

Evaluate Loan to Value ratios, analyze income from salaried, commissioned, self-employed, investments, fixed

Income sources and analyze assets statements for all types of asset accounts

Reconcile findings with published guidelines to address/resolve variances

SR. Loan Quality Auditor

Ensure all loans are underwritten in strict accordance with all required guidelines, including Investors FNMA, FHLMC, HUD, USDA &VA

Evaluate credit/error exposures and the repurchase risk parameters

Created and implemented audit documentation, perform analysis, and validate pre- funding underwriting audits

Developed corrective action plan for problematic loan situations

Assisted remediation and post-closing team members with investor repurchase errors.

01/2011 - 01/2012

Loss Mitigation Underwriter III, Flagstar Bank, Troy, MI

Determines eligibility of borrowers based in credit findings, income, assets and investor guidelines

Maintains a firm knowledge of investor guidelines and automated underwriting systems

Strong knowledge of Fannie Mae, Freddie Mac, FHA and VA guidelines

Review and underwrite and determine loan eligibility for loan modification, short sale deed in lieu approval or

Denial per investor guidelines

01/2003 - 01/2010

Wholesale / Account Manager / Subprime Underwriter, Lehman Brothers Corporation, BNC Mortgage, Southfield, MI

Developed internal sales relationship with brokers

Liaison between credit mangers underwriters post-closing & cliental base

Performing all underwriting tasks closing 45+ loans per month over 5 million in volume

Education and Training

05/2010

University of Michigan, Dearborn – Health Policy

Certifications

Direct Endorsement, HUD 2013 – HW88

Heather Grendysa

248-***-**** • adura5@r.postjobfree.com • Livonia, MI 48150

Contact this candidate