PATRICIA FREEMAN

*** ****** ***** ****, *********, Florida 34736

PROFESSIONAL SUMMARY

Mortgage Underwriter: 14 years recent underwriting experience. Includes FHA automated and manual underwriting. Other loan programs include USDA RD, FNMA, Freddie MAC, Florida bond, and HELOC.

Compliance Manager: train and audit loan processors, funding and closing team. Insured compliance with regulations including Bank Secrecy Act, Anti-Money Laundering, OFAC, USA Patriot Act, RESPA and Community Reinvestment Act.

SKILLS:

Balance Sheet Expertise

Risk Management Assessment

Financial Transaction Expertise

Superior Organization Skills

Exceptional Attention to Detail

Superior Time Management

Du- Lp, Gus, Microsoft Word, Excel/Outlook

Typing Speed – 80-110 Wpm

Great Phone Etiquette

Confidentiality

EXPERIENCE

Bell Bank Mortgage

Senior Mortgage Underwriter – 03/2017-07/17/2023 (MN & Relocation to FL 06/2021)

Analyzed financial documentation including self-employed borrower 1065 and 1120, K-1’s.

Determined liquidity coverage and shortfall. Evaluate layered risk.

Underwrite conventional, FHA, bond, and USDA RD loan. Run AUS findings or manually underwrite based on program guidelines.

Reviewed appraisals and addressed all issues applicable to HUD/FHA requirements.

Verified condo projects are approved per Fannie Mae and or HUD.

Responded to HUD and investor audits and trained processors and advised junior underwriters.

Wells Fargo Home Mortgage – Minneapolis, MN

Senior Team Lead Mortgage Underwriter – 04/2009-07/2016

Manually reviewed credit, income, and asset documentation.

Analyzed 3-4 loans per day.

Trained team members and audited FHA test cases.

Improved turn times with team members by developing efficient loan review.

PATRICIA FREEMAN

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MILA- wholesale lending- Minneapolis, MN

Business Development Manager- Midwest Region 11/2006-10/2007

Trained banks and team members and mortgage brokers by conducting product seminars.

Negotiated loan pricing and audit loan transactions.

National City Mortgage- Minneapolis, MN

Branch Compliance Officer 12/2002-11/2006

Supervised loan processors, loan funders and closers.

Conducted annual performance reviews and established goals.

Managed workflow of closers, loan funders, and processors.

Reviewed closing packages – pre-fund audits

Liaison with corporate officers and title agents/ attorneys. Assessing random review of E&O issues to resolve in a timely manner.

Trained team members to comply with RESPA and all Stare and Federal lending laws.

EDUCATION

University of Minnesota- bachelor’s degree- Business

AWARDS AND ACKNOWLEDGEMENTS

DE- Chums ID

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