Sara S. Reed

** ******** ***** **, *****, NC ****4

828-***-**** (cell)

advphs@r.postjobfree.com

SUMMARY Mortgage professional with over 25 years’ experience with agency (Fannie/Freddie/FHA/VA/USDA) and jumbo/non-QM single-family/multi-family underwriting, specializing in loan structuring, complex income, and, post-closing remediation with Retail Direct, Correspondent and Wholesale operations. EXPERIENCE American Financial Network, Manalapan NJ (Remote) (Layoff) July 2021 – Jan 2023 Underwriting & Structuring Specialist

Expert level frontline through post-closing underwriter for Fannie/Freddie, VA/FHA, jumbo/non- QM; $1.5M delegated authority, unlimited non-delegated

Loan restructuring specializing in post-closing remediation, scratch-and-dent solutions, including reporting on deficiencies

Excellent written and oral communication skills from origination-to-servicing mortgage process Keller Mortgage, Dublin OH (Remote) Sept 2019 – May 2021 Senior Underwriter

Daily pipeline management, analysis, reporting product parameters and investor/agency underwriting guidelines

Frontline and post-closing underwriter for Agency, jumbo, non-QM underwriter $2M delegated authority, unlimited non-delegated authority

Premier Lending Inc, Burlingame CA (remote on PST) Nov 2018 – Sept 2019 Senior Underwriter/Remote

Underwriting and post-closing remediation for conventional/government/jumbo loans

Expert communicator (both verbal and written) with brokers, loan officers, lenders, appraisers, title agents, realtors and operations personnel on all levels of mortgage lending ACOPIA Capital Group, Goodlettsville TN (Division closed) May 2015-Sept 2018 Senior Underwriter/Remote/Wholesale and Correspondent Lending

VA/LAPP/SAR, FHA/DE, piggyback, self-employed income specialization

Maintained 100% accuracy in 60-100 loan/month production with 24-48 hour turn times

Managed division VA appraisal portal. Assisted in training VA/LAPP underwriters and SARs. Prime Mortgage Lending Inc, Apex, NC (project ended) Mar 2015-May 2015 Senior Underwriter/Remote/Retail and Correspondent Lending

Project advisor and tester for system transition to Encompass and TRID disclosures First Citizens Bank & Trust Company Inc, Hendersonville NC (Division moved) Feb 1999 - Feb 2015 Assistant Vice President

Mortgage underwriting jumbo, VA/LAPP/SAR, FHA/DE, USDA, VHDA, NCHFA, FHLB.

Retail and consumer-direct lending.

Other positions held: Supervisor, Compliance Analyst, Quality Control, LO/Operations Trainer, Processor, Closer,Funder, Post-close remediation, Second level review, Help Desk

Complex Income Analysis Specialist including expert level self-employment analysis. Wells Fargo (formerly Norwest Financial), Annapolis MD (relocated to NC) Apr 1996 - Dec 1998 Branch Manager

Loan Originator

Maintained risk/profitability reports

EDUCATION Auburn University, Auburn, AL - Bachelor of Science CERTIFICATIONS VA LAPP/SAR (10 yrs.), FHA/DE (15 yrs.), Self-employed Income Specialist, USDA

& OTHER SKILLS Expert level Fannie Mae DU/DO, Freddie Mac LP, FHA Connection, VA Portal/WebLGY, Encompass, MortgageFlex/LoanQuest, USDA/GUS, CoreLogic, Data Verify suite, Fraudguard, FHA EAD, UCDP. Proficient Microsoft Office Suite, Calyx, Adobe

*References upon request

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