Lynnette Robertson

Mortgage Credit Specialist

Stafford, VA 22554

advd2k@r.postjobfree.com

+1-703-***-****

Seeking employment with a long term career opportunity. I specialize in Credit Risk, Underwriting, Compliance and Vendor Management. I have a home office and experience of being able to be highly productive in a remote capacity.

Work Experience

Sr Underwriter

Prosperity Mortgage - Chantilly, VA

June 2020 to June 2022

Responsible for reviewing/underwriting residential mortgage loans to ensure qualifications based on agency guidelines. Experienced using Encompass, Outlook and other systems used in making a sound underwriting decision. My pipeline consisted of conventional, FHA, USDA, and bond loans with an average volume of 50 loans per month.

Specialist; Change of Events/Quality Assurance

Freedom Mortgage Corporation - Woodbridge, VA

August 2019 to June 2020

Provide internal support to loan officers; processors; underwriters; closers ; and post closing. Monitor pipeline and tickets regarding proper initial disclosure; re-disclosures, conduct loan changes and ensure that the loan stays within compliance. Conduct file reviews on all loans after underwriting before releasing to closing to make sure credit; appraisal; locks and title documents are accurate in the file and that the AUS Findings have been satisfied and reflect 100% accuracy. Conduct post closing reviews to ensure that all closing documents were executed correctly at closing before we sell to the investor. Compliance Analyst/Underwriting and Product Specialist McLean Mortgage Corporation - Fairfax, VA

March 2014 to February 2019

• Provided onsite and offsite training

• Conducted analysis to address compliance issues which led to positive federal regulated audit results

• Reviewed and provided comments on the of documents and took necessary steps to cure any deficiencies

• Vendor Management Auditor reviewing the performance and compliance of our approved Vendors. Prepared scorecards and reports to manage the services being performed. Vetted new Vendors for approval through background checks and resources to ensure quality standards. Senior Underwriting Analyst/Non Performing Loans

Freddie Mac - McLean, VA

October 2012 to December 2013

As a contract underwriter at Freddie Mac, responsible for analyzing non-performing loans to ensure compliance with terms of their Master Agreement, demonstrated successful external interaction with the government agency's resulting in 70% lender absorption vice average of 40%

• Identified deficiencies with no negative impact on investment quality, utilizing agency certification authority to accept loans not meeting initial criteria, resulting in improved customer service and producing 30% increase in revenue that would not have otherwise been realized Settlement Agent/Loss Mitigation Specialist

Advanced Settlements - Manassas, VA

February 2012 to October 2012

Applied proven process for performance evaluation and identified weaknesses and strategic opportunities for improvement of employee development program

• Successfully implemented previous model for employee development program for sales, settlement services, and consumer direct marketing training, resulting in ability for subordinates to improve skills, reaching top performance status corporate-wide

• Worked as with homeowners and their specific lending institution to explore alternatives to foreclosure.

• Authorized to review and negotiate the homeowner's application and financing information for short sale request, modification or other options directly with the lender's agent in the loss mitigation department.

• Review various alternatives with customer's to resolve past due or current mortgage issues. Marketing Director/Settlement Agent/Loss Mitigation Specialist Pride Settlement Services - Ashburn, VA

February 2011 to December 2011

Held workshops for distressed homeowner's in order to educate them on alternatives to foreclosure.

• Worked with the homeowner and lender directly to explore and negotiate an alternative to foreclosure.

• Worked the customer to assist with completing the application and obtain the documentation required to process their request for modification, or short sales and worked directly with the lender as an mean to resolve financial hardship which would effectively mitigate any loss.

• Established employee development program for sales, settlement services, and consumer direct marketing training, resulting in ability for subordinates to improve skills, reaching top performance status corporate-wide

Senior Loan Consultant

SunTrust Mortgage - Woodbridge, VA

August 2010 to January 2011

Conducted seminars, provided financial advice and analyzed applicants' financial status, credit and property status to determine feasibility of granting loans, increasing market share to 80% vice 50%

• Completed self-motivated continuous education to ensure abreast of new types of loans and industry best practices, increasing options for customers to utilize company services growing market share and tailoring financial services and products to better meet customers' needs

• Analyzed potential loan markets and developed referral networks to locate prospects for loans, which resulted in opening customer base in three new regions

• Provided corporate level strategic planning by applying industry best practices to set new credit policies, credit lines, procedures and standards in conjunction with senior managers Internal Senior Loan Consultant

Prosperity Mortgage/Long & Foster - Chantilly, VA

February 2009 to July 2010

Performed as onsite financial advisor, analyzing applicants' financial status, credit and property status to determine feasibility of granting loans, increasing market share by 75%

• Provide weekly training sessions to real estate agents regarding industry best practices, improving ability for the real estate company to increase options for perspective clients and pre- screen their ability to repay the mortgage, increasing revenue for both parties Senior Loan Officer

Bank of America - Oakton, VA

August 2008 to January 2009

Provided new home buyer training for banking customer in the market to purchase a home, resulting in improved customer service and stronger financial feasibility increasing viability of loan repayment and revenue generation for the company

• Delivered counseling for banking customer's on establishing acceptable credit or correcting a previously poor credit reputation, resulting in improved customer service and stronger financial feasibility increasing viability of loan repayment and revenue generation for the company

• Trained internal bank employees on identifying fraud, and reporting requirements to appropriate agencies requirements, ensuring compliance with statutory regulations Mortgage Banking Leader

World Savings & Loan - Fairfax, VA

January 1994 to July 2008

Conferred with underwriters to aid in resolving mortgage application problems and performed marketing of bank products to individuals and firms, obtaining basis for professional skills development, promoting services to meet customers' needs

• Gained experience on planning and directing staff, training, and conducting performance evaluations to develop and control sales and service programs

• Established initial supervisory skills through interviewing, hiring and training subordinate employees including developing alternative training methods to ensure expected performance improvements were realized

Compliance Analyst

Education

High school diploma in Business

North Stafford - Stafford, VA

September 1984 to May 1987

Skills

• Microsoft Office

• Powerpoint

• credit

• Business Development

• Typing

• Sales

• Management

• Data Entry

• Customer Service

• Employee Orientation

• Fair Housing Regulations

• Credit Analysis

• Financial Services

• Loan Officer Experience

• Loan Origination

• Underwriting

• Quality Assurance

• Financial Analysis

• Risk Management

• Computer Networking

• Negotiation

• Banking

• Portfolio Management

• Business Analysis

Certifications and Licenses

MLO

DE Underwriter

January 1990 to Present

I currently have my DE CHUMS #J405 which allows me to underwrite FHA loans. I most recently have used this designation in my job with Prosperity Mortgage as a Sr Underwriter.

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