Rita H. Rodden

aduris@r.postjobfree.com 704-***-**** 319 Cape Breton Trl. Gastonia, NC 28056

Dec. 6, 2022

Dear Hiring Manager,

Good afternoon, I am excited for the opportunity to grow to my fullest potential, while offering great customer service, establishing great relationships, and closing transactions in a timely manner. Please accept this as my resume review request.

I have worked in wholesale and retail markets, with brokers and loan officers in closing Conventional, FHA, and FHA Reverse loans. I am very efficient, thorough, adapt quickly in getting loans closed. I have my DE Certification and have since 2017. I feel I have a lot to bring to the table. I am a team player and want to be part of a strong team. I am capable of working hard, and meeting deadlines.

Working for your company will be a real bonus. I am hopeful that I can become a valuable asset to the team and making it even stronger.

Thank you for your consideration and I hope to hear from your office real soon. Have a blessed day!

Rita H. Rodden

Rita H. Rodden

319 Cape Breton Trl. Gastonia, NC 28056

704-***-**** aduris@r.postjobfree.com

Summary:

Highly diversified, fifteen-year mortgage professional, well versed in Purchase, Refinance, HECM to HECM and HECM Traditional products. In addition to extensive knowledge pertaining to FHA and Conventional guidelines 4000.1, Fannie Mae and Freddie Mac. Ambitious, result-oriented professional with demonstrated ability prioritizing and multitasking to meet deadlines while easily building rapport at all levels.

Experience: ENNKAR, INC. 5/2022-11/30/22

Reverse Mortgage Underwriter (CHUMS # IS34)

Accomplishments: Started this company as a Jr. UW due to lack of capacity for positions for senior underwriters 5/31/22. By 6/20/22 was rolled into a Sr. UW role.

•Utilize RV system and Quantum system in reviewing and assessing loan documents to determine if borrowers qualify for a reverse mortgage based on credit and capacity history. The max claim amount is based on the appraised value (collateral assessment.)

ROCKET MORTGAGE

9/2019-5/2022

Senior Credit Underwriter (CHUMS # IS34)

Accomplishments: Assessed financial risk and made decisions based on if the client

had the ability and capacity to repay, issued conditional approval, critical thinking,

and solid decision making so loans could be viable and insurable

•Trained all client care specialist (processors) rolling into the underwriting team of approximately 100 team members

•Assisted new hires in scenario-based questions in Microsoft Teams and Screen Share

•Created material handouts for new hires and newly transferred into the underwriting team on underwriting techniques and step by step instructions on how to complete a full underwrite

•Pipeline included FHA and Conventional loans, refinance and purchase, closing loans is 21 days or less

•Self employed Schedule C and Schedule E 1065 (partnerships)/1120S (S-Corp)

CAPITAL BANK 6/2019-9/2019

Financial Service Representative

Accomplishments: Building customer relationships one opportunity at a time

•Open checking accounts, CD’s, Money Market accounts

•Refer IRA accounts and annuities to be completed by the correct tax advisor

•Update customer profiles, addresses, etc.

•Promote future sales by individualizing each scenario for potential bank growth

LANDHOME FINANCIAL SERVICES, INC

12/2017-8/2018, 12/2018-5/2019

Nationwide DE Underwriter (CHUMS # IS34)

Accomplishments: Risk assessment, income/credit analysis in determining a strong, valid mortgage loan for purchase and refinance transactions

•Initiated the initial loan approval decision based on income, assets, credit, and value and evaluated the financial assessment in determining risk and repayment capacity

•Worked with brokers, processors, and account executives in a wholesale market to ensure quality customer service and timely loan closings in less than 30 days

REVERSE MORTGAGE FUNDING, LLC 7/2017-12/2017

Nationwide DE Underwriter (CHUMS # IS34)

Accomplishments: Analytical thinking, negotiation, decision-making and deadline orientation

•Analyzed background information, income qualifications, asset verification, validating conditions, and staging file for clear to close preparations, including finalizing financial assessment documentation and completing the steps in FHA Connection

REVERSE MORTGAGE SOLUTIONS, INC

11/2014-7/2017

Nationwide DE Underwriter (CHUMS # IS34)

Accomplishments: Promoted from Processor II to Jr. UW within the first two years, then within 2 months from promotion, I achieved my Direct Endorsement, and was promoted to Underwriter. I have maintained an accuracy rating of 97% while meeting SLA requirements of 24 hours, underwriting three underwrites daily and two clear- to-close files per day.

•Assisted on internal post audit underwriting team auditing a pool of 20% of closed loans and state specific audits to ensure we were meeting compliance measures. (2/2017-7/2017)

•Collateral risk analysis to ensure value is supported and ensure compliance with HUD/FHA Minimum Property Requirements

•Financial Assessment to determine borrower qualification and mitigate risk in consideration of extenuating circumstances, compensating factors and property and credit history. Final assessment to determine life expectancy and repair set asides are required.

Education: Sun Valley High School-Monroe, NC 8/1991-6/1995

High School Diploma

Technology:

•Ellie Mae Encompass 360

•Empower

•Reverse Vision

•Quantum

•Data Trac

•Corelogic

•First American (Fraud Guard) and Fraud Manager

•FHA Connection/FHAC

•CAIVRS

•LDP/GSA

•Mercury Appraisal Network

•Platinum Data Solutions

•MONDAY

•Microsoft Teams, Outlook, Excel, and Word

•Slack

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