Information Technology Project Management
Resume:
Madison Sublett
********@*******.***.
Summary of Qualifications
A seasoned professional with a profound concept and understanding of Compliance Law through education and 25+ years of experience. Proven history that shows strong initiative, collaborative skills, project management expertise, and a deep knowledge of information technology. Exceptional follow through with attention to details, and excellent communication skills. Focused on strategic agendas while managing daily job functions under elevated expectations and pressure of tight deadlines. Experience in optimizing business affairs and the proven ability to facilitate solutions that consistently achieve corporate business goals. Enthusiastic communicator with proven analytical skills to develop detailed reports. Proven analytical person with diverse audit and compliance experience.
Senior Underwriter
Provide guidance and training to less experienced personnel.
Experience with Conventional, FHA, Jumbo, FNMA, FHLMC and Forensic Review
Manually Underwrite Non-Agency/Non-QM
Signing Authority of up to $2.5 Million
Demonstrated ability to analyze Credit, Title, and Appraisals reports.
Created TRID training manual for underwriting and compliance team.
Developed and implemented policies and procedures manuals.
BSA/AML Compliance
Able to Calculation Mortgage Insurance
PROFESSIONAL EXPERIENCE
Source Point Mortgage Miami, FL October 2020-2024
Underwriter Retail (Remote)
Mortgage Underwriting with signing Authority up to $10 million dollars
Conventional, FHA, FNMA, FHLMC, VA and USDA loans.
Able to switch loans system from LP to DU
Analyze Taxes Return, Income, Financial Statements, Title, Credit and Appraisal Reports.
TRID compliance underwriting
Maintain thorough knowledge of documentation required to meet investor underwriting and compliance requirements.
Ensure the loan file meets all product and property guidelines of the Company and investors, as well as meeting all established loan policies, credit limits and regulatory requirements.
Maintain a productivity level of 3Plus new and condition submissions daily and meeting underwriting turn time.
South Pacific Mortgage Irvine, CA February 2012-June 2020
DE Senior Underwriter (Remote)
Review all aspects of the loan file to confirm it is within guidelines and compliance.
Verify AUS findings are correct by verifying loan program and product file requested.
Review loan program and product to ensure correct supporting documents are in the loan file to make an accurate loan decision.
Ensures loan information is accurate in LOS and AUS by verifying that all documentation received was placed in system correctly to determine client ability to meet all criteria’s requirements to determine a loan decision.
Able to determine Red Flags by analyzing Income, Asset, Employment, Credit, Title, and Appraisal
Proactively communicating loan status with loan origination and Processor throughout underwriting process to ensure all documentation required is received to make a loan decision.
Bank of Commerce Mortgage, Newport Beach, CA September 2012 to February 2012
Senior Underwriter
Underwrite Retail FHA and Agency Loans to investor’s guidelines.
Analyze Tax Returns, Financial Statement, Income, Title, and Appraisal Report by program guidelines.
Analyzed total scorecard as well as Manual underwriting.
Adhered to all FHA/HUD 4501 Guideline
Rendered prudent and timely underwriting decision, worked closely with Processor, Funder and Loan Officer’s
Articulated audit finding, risk, and detailed recommendations to upper management.
Strong verbal and writer communication skill
periodic reports comparing budgeted costs to actual costs.
First Merit Mortgage, Canton, OH March 2008 to February 2012
Consultant VP Underwriting
Oversee the retail government and conventional underwriting department.
DU/LP loan finding and manual underwriting.
Developed several portfolio loan products for the bank’s high balanced client.
Demonstrated ability to analyze credit findings, title reports, and appraisals.
Strong verbal and written communication skills
Manually underwrote jumbo loans per FNMA/FHLMC guidelines.
2,500,000 signing Authority and proven ability to render twenty-four underwriting decisions time frame and adhere to state and federal regulatory and compliance procedures.
Computer Skills
Microsoft Office (Word, Excel, PowerPoint, Outlook), AUS, LP/DU, TMO, Fair Lending Wiz, and SharePoint, Problem Solving, Leadership, Management, Project planning, Report Development, Corporate and Individual Tax Returns, Word, Excel, Outlook, Calyx Point, DU, LP, AS400, TMO, FHA Connect, Blitz, Super Trac, Data Trac, Encompass, Microsoft Office and TRID
Education
Western State University of Law Fullerton, CA
Juris Doctor 1989
Master of Business Administration 1989
Chapman University Orange, CA
Bachelor of Arts in Political Science 1985
Contact this candidate