SANDRA DAILEY

Fairfield, CA ***** adxz96@r.postjobfree.com

925-***-**** https://linkedin.com/in/sandra-dailey-8a606234

SENIOR CONSUMER LOAN UNDERWRITER

Self-motivated and confident professional with extensive experience n the mortgage industry. Track record of success in maintaining and exceeding benchmarks and daily goals, while delivering quality work. Positive team player known for adaptaing to high stress environments.

OBJECTIVE

Looking to obtain a position in either my current field or a new opportunity that will allow me to use my work experience and skills. Willing to learn and start a new career. I am a dedicated employee and a quick learner.

CORE COMPETENCIES

Analytical Detail Oriented Project Management

Loan Operations Interpersonal Skills Cross-Collaboration

HIGHLIGHTS

Chosen to test and implement new operating system and assist in training of other employees

Received meets and exceeds expectation on yearly reviews

Tax return course completed: SAM/AGI/1084/Cash Flow Analysis- Completed

MBA Courses completed and certificate received: Mortgage Loan Underwriting, Advanced Mortgage Processing and Closing the Loan.

Mortgage University Course completed- FHA underwriting.

Extensive fraud training- certification received. Experience in FHA auditing

DE Underwriter with Active Chums number- EQ62.

Minimum Enhanced Authority – Level 2 obtained

Lending authority to $3 million

NMLS Certification – ID 1524032

EXPERIENCE

WELLS FARGO HOME MORTGAGE, Concord, CA 09/2011- 01/2023

Senior Underwriter

Underwrote mortgages with up to $3,000,000 signatory authority to determine acceptability and compliance with applicable state and federal regulations, investor guidelines, company overlays and corporate standards. Issued full credit decisions on Conventional Non-Conforming (Jumbo) loans.

Work closely with sales partners and senior management to recommend and analyze high risk applications for initial and final approval.

Review and sign off conditions for clearance to move loan to closing.

Validate data and ensure loan quality.

Complete all training required for my position on a timely manner.

Remain compliant on all applicable state and federal regulations.

Provide training and guidance to newly hired personal as well as assisting current employers with guidelines, procedures, and software.

Maintain relationships with processing and sales partners.

FIRST CALIFORNIA MORTGAGE, Petaluma, CA 04/2011- 08/2011

Underwriter

Conducted underwriting and issued decisions on FHA, Conventional, Conforming and Non-Conforming loans to investor guidelines and company overlays.

Validated data and ensured loan quality and cleared conditions for loan documents.

BANK OF AMERICA, Concord, CA 2/2011-04/2011

SAR Approver/Mortgage Division

(Assigned to Bank of America via Randstad Staffing)

Researched files for repurchase.

Reviewed files for possible misrepresentation.

Sandra Dailey adxz96@r.postjobfree.com Page Two

Prepared Suspicious Activity Reports (SAR).

Validated data entry and approve other investigators SAR reports.

SIERRA PACIFIC HOME LOANS, Concord, CA 06/2010-11/2010

Underwriter

Underwrote and issued decisions on FHA, Conventional, Conforming and Non-Conforming loans to investor guidelines and company overlays.

Validated data and ensured loan quality and cleared conditions for loan documents.

ADDITIONAL RELEVANT EXPERIENCE

WELLS FARGO HOME LOANS, Walnut Creek, CA

DE Underwriter

FALCON BRIDGE CAPITAL, Walnut Creek, CA

Forensic Underwriter

CONTRA COSTA COUNTY SHERIFF’S OFFICE, Martinez, CA

Dispatcher 1

EDUCATION

Bachelor of Science (BS), Criminal Justice (some courses completed )Diablo Valley College, Pleasant Hill, CA

SKILLS

Microsoft Word, Excel, DU/LP, Calyx-Point, Zippy underwriting, LIS/LPS, Encompass, IHM, CORE

75 WPM; 14000+ keystrokes in 10-key.

Attention to detail & ability to function on multiple projects under tight time frames

Handle incoming and outgoing calls on a multi-line switchboard

Researched problems with clients and Sales Department and determined appropriate corrective actions while continually optimizing customer satisfaction

Continually strive and maintain accuracy and consistency in my work

Excellent verbal and written communication skills. Strong organizational, problem-solving, and analytical skills; able to manage and prioritize workflow

Ability to deal effectively with a diversified clientele at all organizational levels

Ability to work independently and as a member of various teams and committees

Answer underwriting questions from loan processor & originators. Call out approval and declines

Review income, credit, collateral, title and other legal documentation in a file to determine an appropriate credit decision, maintaining quality and adhering to investor and company guidelines. Review and sign off conditions.

Strong knowledge of tax returns, cash flow and how to use the Income Analysis Tool

Experience underwriting to multiple investor guidelines and programs such as but not limited to: FHA Purchases/Refinance/Streamlines, Conventional Conforming and Non-Conforming, DU Refi Plus, LP Relief, FNMA Homepath

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