Angela Sims

*** ******* ****** **** [Gallatin, Tennessee 37066 [615-***-**** [advart@r.postjobfree.com] Objective

A challenge that will also encompass my strengths in relationship building, coordination, communication, and negotiation to improve business profitability.

Education

• Meramec Jr. College – Kirkwood, Missouri 1993-1994 – Did not graduate

• Lafayette High School – Wildwood, Missouri 1990-1993 – Diploma received Experience/Employment

04/2012-11/2022

Underwriter I Acopia Home Loans, LLC. I Goodlettsville, Tennessee

• Analyze complete loan documents to make safe decisions on creditworthiness and adhere to guidelines for a variety of loan products.

• Review of but not limited to credit; financials; financial information; tax returns; tax transcripts; W-2s; paystubs; appraisal; title; third party reports; leases; AUS findings

(Fannie Mae and Freddie Mac); lock agreements; homeowners' insurance; third party invoices; mortgage insurance; contracts; payoffs; credit supplements

• Communication with Loan Officers; Loan Processors; Branch Managers; Regional Managers; Underwriting Manager; VP of Operations; Closing Department; Funding Department; Compliance Department

• Exceeded production requirements

• Adhered to authority guidelines

• Interpersonal and written communication skills along with problem solving 2

04/2009–04/2012

FHA Underwriter I Franklin American Mortgage Franklin, Tennessee

• Analysis of credit risk for FHA loans

• Adhere to FHA guidelines

• Trained Jr. Underwriter for review of

• Reached required quotas

• Interpersonal and written communication skills along with problem solving

• Communication with Mortgage Brokers; Mortgage Processors; Management; Closing Department; Funding Department; FHA Insuring Department 02/2007-02/2009

Mortgage Broker I Diversified Mortgage I Hendersonville, Tennessee

• Analysis of a variety of loan options and products for Borrowers

• Communicated with Borrowers, Realtors, Loan Processors; Title Companies; Underwriters

• Used pricing engines to calculate the interest rates

• Exceeded required production numbers

• Shopped mortgage insurance

• Completed the application process

Accreditations

• SARS – VA certification for appraisal review

• CHUMS - FHA Direct Endorsement

• Certifications/training for FL Housing; NCHFA; USDA; THDA; Chenoa; 2/1 Buydown; HELOC; KY Housing; GA Dream

Software

• Calyx Point

• Encompass

• FHA Connection

• VA Portal

• Outlook Mail

• Microsoft Office

• Internet