Mortgage Underwriting Servicing Specialist

AIMEE R. BLAKE

**** *. ***** ******* **** #**** ● Anaheim, CA 92806 ● 626-***-**** ● ******.**@*****.*** Career Summary

Dependable professional with a strong background in management, fintech, jumbo underwriting, conventional fnma, fhlmc, modifications, loss mitigation underwriting, default collections, financial analysis, credit analysis, closing, RESPA, TRID, ATR, NON QM and mortgage banking. Leadership skills, advanced computer literacy, outstanding interpersonal relations and communication skills.Well developed organizational talents, with the ability to manage multiple demands/projects and tasks with attention to policies and deadlines. Key Skills

Project Management/Acquisitions

Staff Development, Performance

Reviews & Training

Jumbo/Non Q/Conventional

Analytical and Detail Oriented

Mortgage/Financial Operations

In Flight Program

Encompass, DU & LP

Underwriting/ Tax Return Analysis

Hamp & Hardest Hits

Treasury & Banking Regulations

Portfolio Lending Guidelines

FINANCIAL MANAGER

Better Mortgage

May 2018- Present

Sr Underwriter, Underwriter Trainer, Team Lead and Underwriting Manager Reviewing and verifying loan applications and supporting documentation. Analyzing loan risk and requesting additional information as necessary. Making loan eligibility decisions. Preparing reports and analyzing assessment findings. Recommending procedural enhancements when necessary. Trained 50-100 new hires over the course of two years. Answer escalations and questions from internal team members daily as needed. Ensured compliance with regulatory standards, policies and guidelines. As a manager I implemented office hours and a spot check process which resulted in zero QC findings for 4 months in a row which was a record for any team. Saw a 10% increase in production month over month for all underwriters. Continued and developed underwriters through a comprehensive and rigorous self employment program monitoring every loan in order to ensure thorough knowledge of self employment credit policy. Loan Stream

September 2017-January 2018

Senior Underwriter

Reviewed and analyzed documentation provided to make the most intelligent business decision while remaining in compliance with Non QM guidelines and lending policies. Provide clear professional verbal and written communication regarding any file delays or approvals within a timely matter. Strong attention to detail and adherence to service level agreements, prioritized files based on CD date and/or escalated matters. Team player, helped out with projects and covering staff members when needed in order to continue to adhere to SLA’s and improve processes. Banc Of California

June 2016-June 2017

Senior Underwriter

Reviews and evaluates borrower(s) profile including but not limited to all income documentation (including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, preliminary title report and appraisals. Exercises good judgment and conducts reasonableness tests related to credit risk. Reviews loan approval conditions prior to funding of loan and reworks loans if applicable to new terms, identifying applicable requirements as needed. Maintains pre-established service level standards of decisions within set time frames. Analyzes requests for exceptions to Bank policy and determines acceptability to the Bank's risk requirements. Communicates with residential lending sales and operations staff regarding loan decisions, conditions and underwriting guidelines. Maintains a sound knowledge of business/industry practices as they impact residential mortgage underwriting and credit risk. Performs other duties as assigned. Advanced knowledge of Freddie Mac and Fannie Mae, Portfolio Lending, Non QM including DSCR, Bank Statement and Foreign Asset Programs, underwriting and appraisal guidelines with LP/DU proficiency. Jumbo (non-conforming) loan underwriting experience. Understandingof TILA /RESPA (TRID), ATR and QM regulations. Strong analytical and decision making/problem solving skills. Excellent interpersonal, organizational, prioritization and time management skills. Proficient in LOS systems, Microsoft Office and Excel. Ability to adapt/learn/utilize a variety software programs. Paperless environment experience. Rushmore Loan Management

November 2013- June 2016

Underwriting Manager

Pull audits and QC 10 loans per underwriter monthly. Ensure team understands policies and procedures. Daily assignments and production tracking. Provide training, hiring and goals to each team member. Render decisions on cases with a goal of ensuring compliance and timelines are met. Provide policy updates when necessary. Manage a respectable pipeline and work escalations as well as serve as backup for any deals aged in order to convert existing pipeline into cash flow while remaining in guidelines for conventional and government-insured loan programs. Advanced credit analysis, risk assessment, income/credit review and documentation review. Hamp reporting lead and administrator. Ensure all internal and external HAMP policies are followed with respect to servicing transfers, service release and monthly trial, denial and official mod reporting. Track and disseminate all incoming acquisitions to ensure compliance deadlines are met with respect to all REGS including CFPB In flight guidelines.. Provide daily, monthly reporting to all lines of business. Create and implement process called in flight and policy of validating all incoming acquisition data with respect to ongoing and approved applications to guarantee compliance with consumer protection laws. Developed relationships with multiple mortgage servicers, investors and asset managers to meet loan boarding and acquisition deadline and improve servicing transfer processes. JPMorgan Chase, CA

Mortgage Closing Manager Jan. 2013- November 2013

Managed, trained and ensured compliance over a team of 10-15 closers. Ensured team is up to date on all policies surrounding the HUD1 settlement statement and RESPA guidelines. Followed up on all daily closings to ensure they are met prior to 72 hours of closing date. Corresponded with title companies, processing and mortgage banking to resolve any and all issues that arise during the closing process. Followed up on outstanding issues relating to closing final wires, respa cures, treasury inquiries and funding issues. JPMorgan Chase, CA

Loan Modification Supervisor/Underwriting Supervisor 2009-2013 Responsible for training staff on all new modification underwriting procedural updates. Organized training material and met with various related entities to ensure business strategies were in line with all involved departments. Continuously assisted management with the development and streamlining processes for increasing production. Was issued delegated authority to review all modification underwrites which included a thorough financial analysis, credit report review and income underwrite. Completed monthly evaluations/Yearly performance reviews. Participated in the design and streamline of new processes to make the business unit more efficient. Served multiple business units and stakeholders in managing small to medium size projects for the loss mitigation division. Developed a repore with all business units and developed working knowledge of all activities associated with the development of assigned business and technical projects. Participated on leadership panel servicing our Non profits in order to build a closer relationship between Chase and it’s customers nationwide. Traveled nationwide to assist our customers and non profits while participating in onsite modifications assisting at NACA loss mitigation underwriting events. Responsible for meeting treasury and Chase production standards, pushed team to exceed historical goals set forth by management. Citi Residential Lending, Rancho Cucamonga, C.A. 200*-****-**/60/90 & FPD Loan Servicing Specialist/Team Lead/Modification Supervisor (May 2004-April2006) n Started as a collector, promoted to team lead then to a supervisor position while at Ameriquest/AMC/Citi Residential Lending. Responsible for collecting total amount due on mortgage accounts that are 30-90 days past due, effectively communicated and negotiated acceptable payment arrangement or total amount due per loan documents, assisted customers that did not qualify for payment arrangements with other options such as : credit counseling agencies, and homeowners assistance packages acceptable to Ameriquest or AMC mortgage services guidelines, assisted borrowers with forbearance plans as a 60/90 back end rep, counseled/educated customers on making payments when due according to loan documents. Explained in detail loan document verbiage in easy to understand terms and settled payment disputes. First point of contact for all priority issues regarding payment applications, demand for payments, analyzed complex mortgage loan histories. Responsible for training staff in the servicing of mortgage loans in early default, workout plans, informal/formal forbearances and loan modification agreements. Assisted management with the development and streamlining processes for increasing production. Successfully completed projects assigned by my director and V.P. within the allotted time frame, completed monthly/yearly evaluations monitoring staff, motivating staff to optimum performance, resolved all escalation issues, oversaw staff of 50 First Payment Default Department at one point . Assisted with devising strategies with dialer operations based on loan volume. Strategized dialer campaigns to lower company delinquency in record levels. Thorough loss mitigation and loan modifications underwriting policies and procedural training. First point of contact for all policy and procedure update’s and renewals. Fully trained on all HR policies and procedures, knowledge of FMLA, Sexual harassment and discrimination preventions, FDCPA, RESPA, SAFE, FMLA, Dodd Frank and Workman’s Comp, Pregnant disability leave act. Responsible for filing and assisting with new hire process and termination. Closet World, Inc Whittier, C.A. 2003-2004

Sales Administrator

Assisted management with the hiring and creating on-going training curriculum or new and seasoned sales consultants. Prepared and scheduled travel arrangements for consultants as well as sales managers. Handled inbound calls, acted as a closer for designers. Produced statistical sales supports and summaries. Tracked and maintained data consisting of sales statistics & up to date eligibility requirements. Motivated sales associates by devising new sales and marketing strategies. Managed employee eligibility files and assisted with monthly new hire training Education

John A. Rowland High School, Rowland Heights CA 1994-1998 High School Diploma

Mt. San Antonio College 1998-2013

General Studies

*continuously

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