Underwriter Operations Manager
Resume:
CAREN L. DAVIS
Griffin, GA *****
**********@*****.***
Mobile 404-***-****
CAREER SUMMARY
Innovative Underwriter with over 30 years’ experience underwriting and managing amazing Mortgage Teams. Strong background in regulatory compliance and forensic underwriting. Continually search ways to consistently improve results by redesigning processes for better efficiency, faster turn times and lower cost-to-produce. Aggressively managed profit and loss to ensure lowest costs to sales team. Founded 501(c)(3) and continue to serve on board. Successfully partnered with city, county and state agencies and politicians to engage in a private business enterprise designed to interface with national political initiatives. Approved government contractor.
CAREER QUALIFICATIONS
Led and created productive cross functional teams.
Implemented Quality Underwriting System to minimize repurchase requests.
15 years’ experience in management
Compliance review for mortgage companies and forensic underwriting to reduce regulatory compliance issues.
Successfully partnered with Sales Associates to approve difficult loans
Fostered excellent key relationships
Mentor/trainer
Consistently increased customer and loan officer satisfaction scores
Strong Government Loan experience (FHA/USDA/Bonds from various states and localities)
PROFESSIONAL EXPERIENCE
C2-It, LLC
01/2007 - Present
Consultant
GUILD MORTGAGE COMPANY
Remote Underwriter Conventional, FHA and VA, Atlanta, GA
07/2020 – 04/2022
ALCOVA MORTGAGE
Remote Underwriter Conventional, FHA and VA, Atlanta, GA
03/2020 – 07/2020
GUILD MORTGAGE COMPANY
Remote Underwriter Conventional, FHA and VA, Atlanta, GA
11/2016 – 01/2019
GUARANTEED RATE
Remote Jumbo Underwriter, Atlanta, GA
05/2015 – 11/2016
CLAYTON HOLDINGS
Remote Underwriter Conventional, FHA and VA, Atlanta, GA
02/2014– 05/2015
AMERISAVE MORTGAGE
Remote Underwriter Conventional and FHA, Atlanta, GA
02/2009-12/2013
WELLS FARGO HOME MORTGAGE
Assistant Vice President
Production/Operations Manager/ Senior Underwriting Manager
02/2006-02/2009
Managed workforce of 65 front-line employees and 5 supervisors responsible for all phases of mortgage operations. Reported to Divisional Vice President of Operations. Coached, developed and managed team members including decisions relative to performance reviews, terminations, hires, discipline, salary actions, etc. Managed a budget of the unit. Participated in strategic planning regarding future direction, formulation and implementation of systems, policies and guidelines and oversaw implementation of practices to ensure compliance with Wells Fargo, legal, investor, regulatory and business policies.
Improved workforce flexibility and lowered costs by breaking down barriers between sales, processing and underwriting.
Reduced underwriting turn times from 5 days to 2 days by inspiring and cultivating high levels of employee involvement.
Lowered repurchase costs by implementing Quality Management System.
Increased percentage of loans closed by effectively introducing concepts of “Courageous Underwriting”.
Improved customer satisfaction while reducing costs through Root Causes Analyses of quality issues.
Improved process consistency and reduced operating cycle by implementing standard work plans across multiple locations.
Presently working as a consultant on several projects including funding for agribusinesses, business plans and pro-forma for a new concept coffee house, and project management on a restaurant in Florida.
EDUCATION
Louisiana State University: Completed 15 hours toward a Master of Business Administration
GPA 3.7/4.0 Responsible for 100% of tuition - worked full time
Centenary College of Louisiana: Bachelor of Arts, Psychology
Bachelor of Arts, Sociology
GPA 3.5/4.0. Responsible for 100% of tuition - worked full time
PROFESSIONAL CERTIFICATION
FHA Training: Little Rock, AR
Completed Direct Endorsement Certification Program, H307
VA Preliminary SAR – 024627
Florida MLO license (not using) NMLS ID 2372787
CURRENT PURSUITS
2007 – Co-founder and minority owner of C2 It, LLC Equine Assisted Therapies
2010 – Co-Founder and Chief Financial Officer Endless Ribbon Foundation, Inc.
A non-profit dedicated to raising funds for equine assisted mental health
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