BETH COPPIN

720-***-**** adxyc2@r.postjobfree.com

Exectuive Leader Communications Excellence Risk Management DE-Certified Underwriter FNMA/FHLMC/FHA/Bond

CAREER PROFILE

Experienced team builder and people manager with a proven track record of leading and supporting diverse teams. Keen ability to identify individual strengths and weaknesses and provide training and coaching. Expertly interpreted mortgage guidelines and regulatory changes and proactively ensured compliance to mitigate risks. Over 30 years of mortgage industry experience, comprehensive knowledge of loan applications, documents, and credit decisions, and expertise working with investors and self-employed borrowers. Committed to improving the performance of people and delivering exceptional customer service while maximizing profitability and building lasting relationships.

SIGNATURE LEADERSHIP ATTRIBUTES

Training & Development Risk Management Strategic Vision, Planning, & Execution Technical Vision Budget Management & Forecasting Enterprise Leadership Team Building & Employee Engagement Sales Operations Interpersonal Skills Executive-Level Presentations Complex Problem-Solving

SKILLS

Leadership & Management

Written & Verbal Communication

Loss Mitigation

Data Entry

Business Correspondence

Business Intelligence

Quality Control

Customer Service

Financial Analysis

Prioritizing Tasks

Decision-Making

Documentation & Reporting

EXPERTISE

Credit Review

Report Development

Asset & Property Documentation

Quality Assurance

Data Analysis

Policies & Procedures

Loan Restructuring

Loss Prevention

Research & Planning

LEADERSHIP & MORTGAGE INDUSTRY EXPERIENCE

Branch Manager August 2022-February 2023

Family First Funding Toms River, NJ

Initially hired as a conventional underwriter, laid off, rehired as a Branch Manager with responsibilities including investigating self-employed borrowers in various ethnic/religious communities and researching individual tax returns and group traits to enhance income and group understanding. Collaborated with secondary market, loan officers, and processors to complete and finalize files for purchasable loans.

Oversaw 7 employees, monitored performance, and designed incentives to increase employee engagement and exceed team goals. Successfully led teams to exceed sales goals, maintain high customer satisfaction ratings, and implement new training programs and loan processing procedures to improve efficiency and accuracy.

Guaranteed compliance and adaptability to changing guidelines and consistently delivered high-quality work on time while adapting to unexpected changes and challenges.

Conventional Underwriter August 2020-June 2022

Family First Funding Toms River, NJ

Assessed and finalized regional conventional retail and wholesale mortgages, identified and mitigated risks, and ensured loan compliance with company policies and State/Federal regulations. Assisted in providing additional clarification and maintaining quality throughout the mortgage purchase process.

Handled over 60 initial reviews; examined loan documents and verified borrower, property, and transaction compliance with company and government standards—trained and mentored new hires on current procedures.

Underwriter July 2019-June 2020

HCL Highlands Ranch, CO

Acquired familiarity with lender's procedures and policies, expanded knowledge of state-specific documentation, and reviewed and analyzed loan documentation and information to determine approval, denial, or suspension. Cleared requested conditions and worked with the secondary market as needed.

Collaborated with loan officers and processors to ensure timely, accurate, and regulatory-compliant processing of loans. Communicated effectively with borrowers and internal stakeholders to provide updates on loan status and resolve issues.

Created and maintained documentation of processes, reports, applications, policies and procedures to ensure compliance with State and federal laws and regulations.

Underwriter July 2015-October 2017

Academy Mortgage Gilbert, AZ

Earned FHA Lending authority and expanded knowledge of FHA guidelines and documentation review process to ensure loans' integrity, compliance with requirements, and secondary market purchase. Analyzed, evaluated, and approved FHA, conventional, second mortgage and bond loans nationwide. Advised investors on loan acceptability and recommended approval or rejection to maximize organizational profits and reduced risks.

Conducted 45 quality initial reviews and analyses of borrower's credit, income, and assets to make sound underwriting decisions.

Aided loan officers and processors in resolving loan application-related issues and guided FHA policies and procedures. Coordinated with internal and external stakeholders, kept accurate underwriting records, and trained and coached junior underwriters.

Underwriter April 2010-August 2013

Chase Home Mortgage Tempe, AZ

Procured authorization for loans of $1M and $250K, completed additional examination to increase knowledge of mortgage industry guidelines, and applied new methods for document review, case approval, suspension, or denial.

Analyzed financial data and performed risk assessments to determine borrowers' eligibility for mortgage loans. Coordinated efforts with loan officers, processors, and other departments to guarantee on-time, error-free processing of applications.

Underwriter 1999-2010

Wells Fargo Home Loans Tempe, AZ

In addition to the traditional Underwriting duties I was an advisor in Conventional, FHA, portfolio lending, and training of new guidelines to processors and loan officers. SME in policies and procedures, regularly advised teams, and developed presentations for various branches. Facilitated monthly meetings with 20 branch managers to review and address changes, trends and issues.

Cultivating employee work-life balance, reduced burnout, improved employee morale, and achieved top producers out of 8 operation teams. Frequent coaching with team members to review progress, address concerns, identify needs, and offer guidance.

Achieved 4 promotions from Processor to Account Rep to Team Lead and Underwriter in recognition of contributions and support of cross-functional teams, adaptability, and knowledge sharing.

Awarded Service Excellence Awards for surpassing expectations and delivering excellent customer service, team support, and initiatives.

Appointed to 4 national projects; managed subordination agreement processes; launched new initiatives, optimized computer systems, and traveled to various operation centers to oversee sales and train new processors.

PRIOR EXPERIENCE

Sabbatical 2010-2020

Assisted and nurtured terminally ill parents. Improved multitasking, communication, and patient advocacy. Tracked daily progress and administered medications.

PROGRAMS & SOFTWARE

Microsoft 365 Office Suite: Utilized Word, Excel, Adobe, and PowerPoint for data analysis, reporting, and process flow. Created several Forms, Checklists, Training Manuals and Presentations.

Mortgage Software: Encompass, Byte, Calyx Point, LIS DOS to track applications, entered data, and produced various checklists, worksheets and forms that allowed "Plug and Play" aspects for consistency and accuracy.

EDUCATION

B.S., Business Administration and Account / Minor in Computer Science Clarion University of Pennsylvania

DE-Certified Underwriter

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