Customer Service Administrative Assistant

Rebecca Greenlee - Hamilton

***** ******* **. ****, ** 97703

*****************@*****.***/614-***-****

UNDERWRITING

PROFESSIONAL

I am a self-motivated expert in underwriting Property, Credit, Assets, Self-employed Income with a comprehensive Cash Flow Analysis, reviewing AUS findings, Title Reports, and Insurance. I have been responsible for underwriting conditions from the beginning to the end of the loan process, assuring the loan salability to Agencies and Secondary Markets. I consider one of my strongest strengths as being a solution finder for both the front-end loan officer and back-end Investor who also understands that maintaining the highest level of customer service without sacrificing quality is of the upmost importance. SUMMARY

Many years of experience in loan administration, underwriting, and auditing AUS systems, various platforms including Encompass.

* FHA CHUMS # KS92

* Familiar with current FHA, FNMA, FHLMC, USDA, Manufactured Homes, Mortgage Insurance Programs and retired HARP guidelines

* Proficient with regional agency/lender sponsored DPA’s such as state bond programs

* Excellent written and communication skills

PROFESSIONAL EXPERIENCE

Senior Administrative Assistant – Hybrid

Leader Builders, LLC

(December 2022 - Present)

• Perform administrative duties for Owner and Office Manager of Leader Builders, LLC.

• Handle communications between Leader Builders and current homeowners.

• Assist Project Manager as needed.

• In charge of scheduling Subcontractors and ordering materials and fixtures. Senior Mortgage Underwriter- Remote

NFM Lending

(October 2020 - November 2022)

• Underwrite residential mortgage loans that meet published Agency, Investor and company underwriting guideline requirements.

• Review and analyze income from the most basic to complex tax returns for various sources/streams of income as determined by loan program.

• Work to meet or exceed posted Service Level Agreements for reviewing loans with clear conditions issued in a manner that makes the loan decision to be able to be presented to the customer with confidence.

• Excited to work with partners in getting loan approval, offering options and solutions to create opportunities for closing difficult loans.

Underwriting Consultant

(January 2006 - October 2020)

• Worked with underwriters who consulted with me on complicated loans.

• Offer workarounds, counter solutions and detailed understanding of Agency and Government guidelines.

• Consult on audits from Investors providing solutions to bring the loan into compliance for salability.

• Provide in-depth review and comprehensive analytical feedback and suggestions for curing defect Senior Mortgage Underwriter - Telecommuter

PHH Mortgage

(October 2012 - December 2013)

• Underwrite residential mortgage loans that meet investor and business source guidelines.

• Review and analyze income from the most basic to complex tax returns for various sources/streams of income.

• Issue and clear loan conditions and communicate decisions with Loan Processors.

• Ability to identify alternatives when a requested loan product was not available. Contract Mortgage Underwriter

Citizens Bank (Contracted through RPI)

(February 2012 - October 2012)

• Review, examine and underwrite loans to ensure soundness, business value and compliance with company and investor standards.

• Excel in customer service both with onsite Staff and Retail Loan Officers.

• Review and analyze complex tax returns for income analysis for complex income situations.

• Determine and document loan conditions and communicate decision to Processors or the Mortgage Retail Loan Officer.

Senior Underwriter

JPM Chase

(August 2007 - December 2011)

• Embraced and excelled within the department when customer service was determined to be the most important piece the department would be providing the customer along with a quality loan process.

• Review, examine and underwrite loans to ensure soundness, business value and compliance with company and investor standards.

• Determine and document loan conditions and communicate with HLA’s, Processors, or Mortgage Consultants.

• Review detailed historical and projected financial analysis utilizing tax returns and financial statements.

• Independently conduct full and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications.

• Became an important “go to” for Operations and Sales Departments for explaining policies and procedures and always using this time to provide excellent customer service to educate those needing help where to obtain the information.

• Review and analyze special conditions, loan deficiencies and exception requests to determine appropriate courses of action.

• Counteroffering loans that did not meet GSE Agencies or Bank policies and if no alternative was suitable, recommending to second review area that loan not be approved.

• Embraced the Bank’s shift in quantity of files per underwriter to quality of files resulting from GSE’s shift of focus.

• Worked with Vendor Management and Title Companies to obtain clear title reports, survey and appraisals.

• Submitted rate renegotiations to Secondary for updated pricing and rate lock extensions. Skills & Expertise

1. FHA Direct Endorsement Underwriter with CHUMS #KS92 2. Encompass Proficient

3. Mortgage Underwriting

4. Quality Control/Auditing

5. Loan Servicing

6. Financial Risk

7. Training

8. Consumer Lending

9. Mortgage Banking

10. Credit Analysis

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