Wells Fargo A Team
Resume:
Queen Creek, AZ
*************@*****.***
Rosalyn Liam
OBJECTIVE/ SUMMARY
Organized hard working professional looking for a growth oriented position. Mortgage professional with 20+ years of experience in the mortgage industry that is goal-oriented and self-motivated with comprehensive experience in Conventional and Non QM loans. Knowledge and experience to evaluate risks and determine application approval, appropriate coverages and policy conditions while adhering to company underwriting guidelines and profit objectives. EXPERIENCE
Wells Fargo, Remote — Underwriting Manager
June 2021 - May 2024
● Supervised a team of 14 employees. Conducting new hire interviews and on boarding. Assessing and delivering mid-year and year end performance reviews. Monitors and supervises daily operations and pipeline management. Implements strategies and operational policies for product lines related to Conventional, FHA,VA and Non QM guidelines. Oversees the review and approval process for decisions and recommendations related to complex cases. Defines and establishes procedures for risk criteria, application and renewal and acceptance and rejections.
● Lead complex initiatives with broad impact and act as key participant in the development of projects for Underwriting.
● Conducts team and one on one coaching and support.
● Providing updates and daily reports to Senior Management. Covers for Senior Management when away.
Wells Fargo, Chandler, AZ — Consumer Loan Underwriter (S.A.F.E) Level 3
MAY 2019 - JUNE 2021
● Approve complex loans in excess of regional, state, business unit or credit officer authority levels. Analyze and review credit, income, assets, property and overall customer profile to make decisions on products within the company and industry guidelines. Effectively manage and process a pipeline of loans within strict timelines.
● Issuing Approvals, Declines or counter-offers based on company and investor guidelines.
● Reviewing loans and using multiple sources to minimize risk including fraud, elderly abuse and mortgage misconduct.
● Mentoring new hires, reviewing initial loans and providing feedback and coaching .
Quicken Loans, Scottsdale, AZ — Executive Final Sign off Underwriter
JUNE 2015-MAY 2018
● Review and Audit Loans underwritten by all levels of underwriters prior to final sign off
● Ensuring completeness, accuracy and compliance of submissions in accordance with investor guidelines and applicable regulations, insurer and/or guarantor requirements.
● Reviewed high profile clients, verifying multi-million dollar accounts and income with business tax returns and multi rental properties. Reviewing and approving loans with Non QM, Conventional, FHA, VA and Non Conforming clients and programs.
Countrywide Full Spectrum/ Bank of America, Walnut Creek, CA & Chandler, AZ — Branch Operations Manager/ Processing Team Lead/ Trainer
May 2005-MAY 2015
● Oversee day-to-day activities of Loan Specialists. Assists with processing, submissions to Underwriting and closing activities.
● Provides guidance, training and assistance to branch operations personnel. Serves as the primary underwriter for the branch and steps in to Underwrite loans when needed. Informs all concerned parties of the final loan approval
● Serves as acting Branch Manager in the absence of the manager.
● Reviewing and approving Conventional,Non-Conventional and Non QM loan products.
● Supports the time introduction and successful administration of new products, product line extensions and marketing initiatives
● Participates in the development and implementation of the branch new business development plan.
● Coordinates the resolution of deficiencies, QC issues and any other post closing issues
● Maintains a master to do list for the branch.
● Level 2 certified to underwrite and sign off conditions in branch.
● Worked Hand in hand with Process design team to implement changes
● Traveled and trained multiple branches during conversion from Countrywide to Bank of America.
Infinite Processing, Inc., Kent,WA – President/ CEO August 2002 – March 2005
● Contract Processing for Mortgage Brokers
● Ensured that new mortgage loan packages are processed and completed according to established policies and procedures. Building clientele base
● Processed conventional and non conventional loans and inputting in computer via Point/Calyx
● Coordinate with escrow, title, realtors and other officers involved in closing the loan
● Using Microsoft office to produce introduction letters to clients and marketing materials to promote business
Infinite Financial Solutions, Kent,WA - Operations Manager September 2001 – March 2005
● Managed and directed the daily activities of multiple operations functions. Made recommendations to improve the productivity, quality, and efficient delivery of products and services
● Developed and implemented policies and procedures. Training and management of processing department
● Coordination w/branch managers and president for everyday operations
● Interviewed and hired of processors, transaction coordinators, and loan officers
● Handled customer issues regarding their transactions
● Planned corporate parties, special occasions and training events
● Reviewed all files to make sure in compliance with Mortgage Regulations
● Prepared all Human Resource paperwork on new hires EDUCATION/ TRAINING
TODD DUNCAN — Sales Mastery Training- 2003, Palm Dessert, CA CALYX POINT — Calyx Point Training-2001, Federal Way, WA FANNIE MAE — DO/DU Training- 2001, Seattle, WA
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