Customer Experience Sales Floor

Edwina Ryan

240-***-**** *********@***.***

Profile

and great Friendly experienced customer and engaging service multi-team tasker and customer player who excels and satisfaction. leader at staff able training Regularly to inspire and exceed staff recruiting to goals. perform with a their track best. record Detail of inspiring oriented Experience

Full Service Jewelry Counter Associate

· June 2023 to present

· T J Maxx

· Responsible for delivering high customer experience and interacting with customers.

· · · Adhere Initiate Have been and to all crossed participate operational trained in and store to loss work recovery prevention in multiple as needed standards. areas throughout in the store the in order day. to be support as needed.

· Accurately prepare merchandise for the sales floor following company standards.

· Promote credit card programs.

· Support a positive store culture through honesty, integrity and respect.

· Other duties as assigned

Remote Conventional Underwriter

· March 2020 – May 2022

· Guaranteed Rate, Home / Main Office: Chicago, IL

· · Responsible determine Responsible guidelines and compliance for for the performing performing appraisal with a a Company quality thorough thorough and and analysis analysis completeness Investor to of collateral ensure guidelines. is acceptable. the to quality ensure of property each loan meets and to investor

· Applying and interpreting company underwriting guidelines and make sound credit decision.

· Completing verify consistency credit, of analysis loan file of information. income, analysis of property, ensures proper audits are completed and

· · Identifying and Reviewing acceptability clear inconsistencies. and risk for evaluating factors specific within loan credit programs. each information loan and utilizes on mortgage resources, loan documents tools and documentation to determine to detect red flags

· Determining any conditions, stipulations, or pre-funding requirements.

· Reviewing and clearing underwriting conditions, stipulations or pre-funding requirements received.

· Communicating with clients, sales teams and operations teams to resolve outstanding issues as Page 2

· Assisting they arise. departmental support staff when necessary.

· · · · Resolving Maintaining on position. Completing and Reviewing loans within underwritten. and all designated second ongoing titles responding for signature knowledge authority any to types post underwriting of as of closing investor liens needed. or credit levies review guidelines, exceptions that on loan question updates files received underwritten the and legal trends from ownership investors as by applicable junior and of the underwriters auditors to property. underwriting when required

· Reviewing coverage. and clearing all homeowner’s insurance policies to meet guidelines for sufficient Remote Senior Underwriter

· November 2017 – March 2020

· Loan Depot, Home/ Main Office: Costa Mesa, CA

· · · Responsible consumer Dependent request on for division reviewing, and products and analyzing, complexity within and of company underwriting underwriting and industry functions large, unusual guidelines. may include or complex reviewing individual financial

· · statements, examining transactions credit reports to ensure and applicable accuracy ratios and completeness. ( debt ratios, loan-to- value), evaluate and

· Contacting National Underwriting and Production Risk Management for all variances exception approvals.

· Review of 4506-t results and transcripts for compliance.

· Ensuring that documents are consistent and uphold to company and industry guidelines.

· · Implementing Assisting with fraud re-negotiations detection techniques, of loans based performing on lending compliance guidelines. reviews.

· Contacting behind credit customers decisions. and partners to gather information to make appropriate decisions and explain rationale Senior Underwriter

· · June SunTrust 2017 Mortgage, - November Columbia, 2017 MD

· Responsible for reviewing, analyzing, and underwriting large, unusual or complex individual

· · · consumer Dependent statements, completeness. request on credit division reports and products and and complexity applicable within of company underwriting ratios, evaluate and industry functions and examining guidelines. may include transactions reviewing to ensure financial accuracy and

· Contacting National Underwriting and Production Risk Management for all variances exception approvals.

· Review of 4506-t results and transcripts for compliance.

· Ensuring that documents are consistent and uphold to company and industry guidelines.

· · explain Implementing Assisting Contacting rationale with customers fraud re-behind negotiations detection and credit partners techniques, of decisions. loans to gather based performing on information lending compliance guidelines. to make reviews. appropriate decisions and Page 3

Quality Reviewer/ Senior Underwriter/ Asset Manager

· · · · March Wells Considered Quality Fargo 2010 Reviewer: compliance - Home June 2017 Mortgage, with professional Frederick, standards, MD policy, and regulatory requirements.

· · · Remained Reviewed documents Reviewed opinion consultations or selected independent whether support other are appropriately difficult documentation the appropriate and conclusion or objective contentious documented consultation relating reached. throughout to matters in transaction has file. the taken and review whether and place process. identify on the matters risks conclusion to ensure involving arising all difference from these of

· · Communicated Senior Underwriter: with partners effectively with all identified risks.

· · · · · · Reviewed Ensured Implemented Responsible Dependent consumer statements, examining Contacted approvals. that of request National Remain transactions on credit for 4506-documents fraud division reviewing, reports and t independent Underwriting detection results products and to are and ensure analyzing, complexity and consistent techniques, applicable transcripts and within and accuracy objective and Production of and company underwriting ratios performing underwriting for and uphold throughout compliance. completeness. (debt and Risk to industry compliance ratios, company Management functions large, the loan-review unusual, guidelines. and may reviews. to- industry for process. value)include or all complex variances, evaluate guidelines. reviewing individual exception and financial

· · · · Reviewed Asset Assisted Contacted rationale Provided to superior/Manager: with behind work lower-customers manager. re-direction negotiations level credit and team decisions. and/partners member of or loans training to files gather based to to lower-help information on lending with level issuing guidelines. team to make members of authority appropriate and level. provide decisions performance and explain feedback

· · · Managed, foreclosure Reviewed sell to the client Analyzed investor marketability at and/ the maintained, highest repair company/guidelines. or sale investor. or bids of possible acquisition properties client to and Negotiated determine assisted price owned of and while Non-properties, final in the implement the Performing minimizing cost sales disposition benefits of establishing such properties. Assets hold strategies and of time, REO arrange portfolios. a plan properties holding upon property to maintain, approval cost typically and preservation from preparing loss received severity management, to for via enhance adhering sale and Page 4

Senior Underwriter

· August First Guaranty 2009 - March Mortgage 2010 Corporation, Frederick, MD

· · Conducted or Verified loan denial. meets assets advanced investor and income guidelines. analysis including of completed thorough loan analysis files and of making personal recommendations and business tax for returns, loan approval ensuring

· · · Submitted Reviewed Verified additional compliance appraisals conditions loans through with to that ensure Desktop all needed underwriting collateral Underwriter to be met meets guidelines prior and investor to Loan loan and guidelines. Prospector communicated closing. automated with clients systems. about any

·

Education

VA Fargo Frederick, Prince Training Home George’s MD Classes Mortgage, Community Wells College Largo, MD Skills & Abilities

Encompass

· Empower

· NUPRM

· Desktop Underwriting

· Loan Prospector

· FHA Connection

· Cavirs

· RES Direct

· MortgageWare

· Microsoft Office

· Independence

· Analytical

· NC Bond Certified

· Loyalty

· Quick Learning

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