Mortgage Underwriter Loan Processor
Resume:
Sydonia Adams
Processor. Underwriter. Compliance Analyst. Accounting. Customer Service
Indian Land, SC 29707
adursp@r.postjobfree.com
Analytical, Attention-to Details, Multi-tasked, Time Management Skills. Authorized to work in the US for any employer
Work Experience
Mortgage Underwriter
Intercontinental Capital Group - Remote
May 2020 to May 2022
• Underwriting Conventional, FHA, VA refinance and purchase loans with an average pipeline of 80 loans with 4 loan touch reviews daily.
• Verifying borrowers assets, income, credit along with appraisal and condos was essential to the approval process within the fannie mae or freddie mac investor guidelines within AUS systems.
• Composing conditions for the processors and clearing conditions for clear to close was essential.
• Knowledge of UW Guidelines, loan IQ, product and Investor Guidelines essential. Underwriter
RoundPoint Mortgage Servicing Corporation - Fort Mill, SC February 2019 to May 2020
• Reviewed FHA, VA, Conventional loans with an average pipeline of 60 loans with a closing ratio of 20-30 a month.
• Reviewed Titles, Appraisals, LexusNexus, AVM, Loan IQ, Encompass,DataVerify and Condo Reviews.
• Gathering and creating conditions based upon investor guidelines and clearing conditions based upon the AUS and compliances.
Compliance Analyst
Robert Half Finance & Accounting - Charlotte, NC
August 2017 to January 2019
•Perform work on compliance projects and assist in the assessments and implementation of policies to ensure laws are in compliance.
•Collecting and compiling information and analyzing data and providing reports.
•Risk Management, monitoring databases and identifying information and escalating matters to the appropriate departments.
•BCE, EFCC, BSA, AML, OFAC, US Patriot Act, Regulatory Certification.
•Prepares reports by collecting, analyzing, and summarizing information.
•Maintains rapport with regulatory personnel by arranging continuing contacts; resolving concerns.
•Contributes to team effort by accomplishing related results as needed. Customer Service Representative
Finance of America Commercial - Charlotte, NC
April 2017 to August 2017
• Assisting a commercial team of 10 processors with loan files with issue for CTC's along with making sure the process is smooth and guidelines are up to date.
• Answering questions regarding the loan process and referring them to their Loan Officers, Attorneys.
• Following up with Customers from a pipeline daily to advise of the status of their loans.
• High Volume inbound and outbound calls, Professionalism, Multi-tasking, Organizational skills and Product knowledge was essential to the job.
Sr. Loan Processor
Caliber Homes Mortgage - Charlotte, NC
June 2016 to April 2017
• Support 5 Loan officers with Loan IQ and underwriters in retaining, resolving and clearing stips on files and preparing files for the Closing department with passing all compliance guidelines.
• Attend weekly pipeline meetings with the Loan officers and Processing Managers to review daily reports for closing goals.
• Attending on-going training with regards to loan process, policies, and new Underwriting guidelines.
• Worked with Loan IQ's and the Closing Department on PTF Conditions as needed. Customer Service Associate
Accenture, Bank of America - Charlotte, NC
March 2015 to May 2016
• Ordered Title, HOI, Credit Supplements, Taxes/Escrow Setup, Appraisal Review along with document review.
• Working Knowledge of AUS, FHA, VA, Fraud-Mavent along with the ability to resolve issues on files.
• Pipeline 50+ loans with an average of 20 closings per month.
• Reviewed Income Documentation for all including Self-employed, Bank statements for large deposits, Credit review, Gift documentation, Contract documents along with EMD verifying was essential to the daily tasks.
Sr. Loan Processor
Flagstar Bank - Charlotte, NC
April 2013 to February 2015
• Support 4 Loan officers with Loan IQ and underwriters in retaining, resolving and clearing stips on files and preparing files for the Closing department with passing all compliance guidelines.
• Responsible for processing all Conventional, FHA, VA, USDA Purchase loans with an average pipeline.
• Ordered Title, HOI, Credit Supplements, Taxes/Escrow Setup, Appraisal Review along with document review.
• Provided analysis of regulatory loan documents for weekly meetings with loan officers and management.
• High Volume of inbound and outbound calls for the region from customers regarding their closing and follow-ups on their files on PTF and Condition Clearances. Loan Officer Assistant/Processor
Paramount Lending - Charlotte, NC
January 2009 to March 2013
• Communicated with borrowers regarding RESPA and initial Documents.
• Retrieved and sorted documents on-time using a tracking and follow up system to submit files to vendor (other companies for Underwriting via portal)for an Initial UW.
• Welcome Calls to borrowers and using a follow up system to track incoming documents from the borrowers, attorneys, and title companies to ensure proper closings.
• Prepared weekly loan statistic reports for the Loan officers to review.
• Received documents from borrowers in person and set closings per calendars for the loan officers. Education
Associate in Banking Mortgage Finance
Brunswick Jr. College - Charlotte, NC
Skills
• Sales
• PowerPoint (5 years)
• Typing (10+ years)
• Microsoft Office (10+ years)
• Marketing
• Sales Experience
• Insurance Sales
• Underwriting (6 years)
• Escrow (5 years)
• Fair Housing Regulations
• Tax Experience
• Loan Officer Experience (3 years)
• Mortgage Servicing (10+ years)
• Banking (10+ years)
• Bank Secrecy Act
• Financial Analysis (10+ years)
• Accounting (10+ years)
• Loan Origination
Assessments
Written Communication — Proficient
February 2020
Measures a candidate's ability to convey written information using proper grammar rules. Full results: Proficient
Reliability — Highly Proficient
May 2019
Measures a candidate's tendency to be dependable and come to work. Full results: Highly Proficient
Real Estate — Completed
May 2019
Measures a candidate's ability to match listings with specifications and identify errors on marketing materials.
Full results: Completed
Supervisory Skills: Directing Others — Completed
June 2019
Motivating others through feedback to identify improvements or corrective actions. Full results: Completed
Office manager — Familiar
August 2019
Scheduling and budgeting.
Full results: Familiar
Accounting skills: Bookkeeping — Completed
May 2019
Measures a candidate's ability to calculate and determine the accuracy of financial data. Full results: Completed
Work style: Reliability — Highly Proficient
May 2020
Tendency to be dependable and come to work
Full results: Highly Proficient
Customer focus & orientation — Familiar
May 2019
Measures a candidate's ability to respond to customer situations with sensitivity. Full results: Familiar
Call center customer service — Completed
May 2019
Measures a candidate's ability to demonstrate customer service skills in a call center setting. Full results: Completed
Verbal communication — Proficient
May 2020
Speaking clearly, correctly, and concisely
Full results: Proficient
Customer service fit — Proficient
May 2020
Measures the traits that are important for success for customer service roles. Full results: Proficient
Attention to detail — Completed
May 2020
Identifying differences in materials, following instructions, and detecting details among distracting information.
Full results: Completed
Indeed Assessments provides skills tests that are not indicative of a license or certification, or continued development in any professional field.
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