Experienced Mortgage Underwriter & Team Lead

TOSHA M. LINDSEY

Sterling Heights, MI 313-***-**** adx1px@r.postjobfree.com

UNDERWRITER, TEAM LEAD, & MORTGAGE EXPERT

Accomplished Mortgage Banking DE CerƟfied Loan Underwriter with experƟse in the industry covering retail, wholesale, correspondent, convenƟonal, FHA, Jumbo, Rural Development, conforming, and non-conforming loans. Quality record with zero criƟcal errors, once Ranked 4th in the country for quality, and no uninsurable loans to date. Skilled in closing, management, audiƟng, mentoring, sales and customer service. Able to perform well in a fast paced, high pressure environment.

DE CerƟfied Underwriter Process Improvement Leadership WriƩen & Oral PresentaƟon Skills AudiƟng Queue Management Training & Development Customer EscalaƟons Project Management Encompass LP DU Zippy GUS Automated UnderwriƟng Systems CLOSR iVault Customer Assist Mortgage Builder Chase File Manager Streamlink Federated Fraudguard DataVerify Encompass P8 Mortrac Open Close, and Lexis Nexis MicrosoŌ Word MicrosoŌ PowerPoint MicrosoŌ Access MicrosoŌ Excel PROFESSIONAL EXPERIENCE

Flagstar Bank, Remote 2020 - 2023

Retail UnderwriƟng Team Lead

Manage the underwriƟng queue to ensure balanced loan assignments and that loans are reviewed within SLA.

Monitor the performance the underwriƟng team and recommend training and development for exisƟng team members as needed.

Conduct random audit reviews of files, report variances, and recommend correcƟons to ensure team quality.

Resolve management escalaƟons from internal and external customers.

Manage over 20 daily reports to ensure that all team variances and errors are resolved by the end of each day.

Provide leadership and guidance to an underwriƟng team of 22 regarding unique scenarios and escalaƟons.

Review requests for product excepƟons and assess risk for either porƞolio or salability to agencies.

Train new hires and create metrics to monitor growth and development.

Provide first class customer service to internal and external customers responding to all inquiries within established SLA.

Ross Mortgage, Troy, MI 2019 - 2020

Senior DE Underwriter

Responsible for underwriƟng a mixture of convenƟonal / FHA loans.

Exceeded quality and producƟon goals.

Created a training reference tool that assisted in the transiƟon from Mortgage Builder to Open Close.

Held training sessions to teach managers and colleagues how to complete the data entry for self-employed borrowers and borrowers with mulƟple REO’s.

Worked with IT to fix glitches in the system impacƟng the underwriƟng department. Union Home Mortgage, Remote 2018 - 2019

Senior DE Underwriter

Responsible for underwriƟng up to 3 convenƟonal / FHA loans per day; Exceeded quality control standards.

Developed a quality control check list for new underwriters to cross reference to confirm that all required fields. in encompass were properly completed. This checklist was added to the new underwriter training deck as a reference tool.

Created a Clear-to-Close checklist that was distributed to the underwriƟng department as a reference tool to reduce closing/post-closing errors.

Maintained posiƟve correspondence with internal and external partners. Tosha M. Lindsey adx1px@r.postjobfree.com Page Two

MB Financial Mortgage, Milford, MI 2016 - 2018

Senior DE Underwriter

Met and/or exceeded producƟon requirements.

Volunteered to assist and mentor convenƟonal underwriƟng team during low volume.

Assisted with tesƟng during system upgrades; No criƟcal errors/repurchases.

Maintained excellent quality

John Adams Mortgage Company, Southfield, MI 2014 - 2016 Senior DE Underwriter

Obtained authorizaƟon to underwrite Rural Development loans.

Created condiƟons matrix, underwriƟng and CTC checklist.

Programmed condiƟons to auto-populate in Mortgage Builder based on product/loan type to assist with consistency and increase underwriƟng efficiency for the team.

Implemented an UnderwriƟng manual for use by the Ops and sales team.

Assisted in training Junior Underwriter and created a loan review sheet so that progress and errors could be tracked.

Consistently exceeded producƟon standard with no criƟcal errors.

Preliminary SAR ID #021383 obtained on 05/18/2016 LAPP Training and final approval pending. Chase, Troy, MI 2010 - 2013

DE Underwriter

Reviewed loans for new underwriters seeking DE lending authority and mentored them through the process. Ranked number 4 in quality throughout the country.

Consistently ranked in the top 20 percenƟle.

Exceeded producƟon and quality goals with zero criƟcal errors

No uninsurable loans.

Created an underwriƟng worksheet that was distributed throughout the site to assist new DE underwriters with file flow and quality.

Senior Underwriter

Underwrote convenƟonal and super jumbo loans. Created a Best PracƟce guidance for commentary that was distributed naƟonally and subsequently insƟtuted as policy naƟonally.

Lead a team that created a supplement to the Home Lending Guide for the troy site to reference regarding the Foreclosure/Short Sale process, expiraƟon dates, and document requirements.

Assigned to the purchase priority team

Zero criƟcal errors.

Served on the Site Partnership Team lead by the VP of UnderwriƟng. ACTIVITIES

Former Member of the Southeastern Michigan Chapter of the Michigan Mortgage Lenders AssociaƟon (MMLA) MMLA Circle of Excellence Program CompleƟon Cass Technical High School Alumni AssociaƟon

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