Data Entry Customer Service

**** ****** ***, *******, **, ***** • ***********@*****.*** • 678-***-****

ADRIENNE WILLIFORD

PROFESSIONAL SUMMARY

** ***** ** ********* ********* in mortgage processing/underwriting, credit and financial analysis. Demonstrates proficiency in FHLMC, FNMA, and FHA guidelines, complemented by skills in customer service, social media marketing, time management, adaptability and property management. Adept at leveraging analytical skills to ensure compliance and mitigate risk, aiming to advance in financial strategy roles within dynamic organizations.

EMPLOYMENT HISTORY

PROPERTY MANAGER/CFO Dec 2020 - Present

WeStyle Suites Atlanta Hybrid

• Prepare Lease Agreements for Tenants

• Perform Accounts Receivable Duties

• Perform Accounts Payable Duties

• Schedule Tours For Prospective Tenants

• Perform Data Entry

• Bookkeeping

• Reconcile Financials

• Research and Apply For Funding for business expansion

• Market Research for additional locations

• Restock Supplies

• Maintain cleanliness and professional appearance of property common areas

• Schedule Maintenance and Work Orders

• File and Maintain all local and state permits and licensing

• Social Media Marketing

• Order Supplies

SR. MORTGAGE UNDERWRITER Mar 2021 - Jan 2022

NFM Lending Remote

• Review/analyze loan files submitted for borrowers to ensure the file meets loan program requirements. Includes individual analysis of:

• Loan application

• Credit profile/report(s)

• Debt and assets

• Income/financial statements

• Loan values/loan-to-value ratios

• Appraisal report

• Collateral and supporting documentation

• Identify/calculate loan risk of loss

• Condition files for missing/supporting documentation

• Revisit loans to review and clear conditions

• Approve, counter or deny loan file

• Escalate fraud files to Credit Manager/Risk Management team

• Experience working with Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector

• Knowledge of FHA, FNMA and FHLMC policies and guidelines

• Knowledge of mortgage loan processing, compliance, investor products and underwriting guidelines

• Knowledge of mortgage insurance (MI) guidelines

• DE Certified

SR. MORTGAGE UNDERWRITER Aug 2020 - Mar 2021

Academy Mortgage Remote

• Review/analyze loan files submitted for borrowers to ensure the file meets loan program requirements. Includes individual analysis of:

• Loan application

• Credit profile/report(s)

• Debt and assets

• Income/financial statements

• Loan values/loan-to-value ratios

• Appraisal reports

• Collateral and supporting documentation

• Identify/calculate loan risk of loss

• Condition files for missing/supporting documentation

• Revisit loans to review and clear conditions

• Approve, counter or deny loan file

• Escalate fraud files to Credit Manager/Risk Management team

• Experience working with Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector

• Knowledge of FHA, FNMA and FHLMC policies and guidelines

• Knowledge of mortgage loan processing, compliance, investor products and underwriting guidelines

• Knowledge of mortgage insurance (MI) guidelines

• DE Certified

MORTGAGE UNDERWRITER Apr 2019 - Jul 2020

DHI Mortgage Remote

• Review/analyze loan files submitted for borrowers to ensure the file meets loan program requirements. Includes individual analysis of:

• Loan application

• Credit profile/report(s)

• Debt and assets

• Income/financial statements

• Loan values/loan-to-value ratios

• Appraisal reports

• Collateral and supporting documentation

• Identify/calculate loan risk of loss

• Condition files for missing/supporting documentation

• Revisit loans to review and clear conditions

• Approve, counter or deny loan file

• Escalate fraud files to Credit Manager/Risk Management team

• Experience working with Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector

• Knowledge of FHA, FNMA and FHLMC policies and guidelines

• Knowledge of mortgage loan processing, compliance, investor products and underwriting guidelines

• Knowledge of mortgage insurance (MI) guidelines

• DE Certified

MORTGAGE UNDERWRITER Dec 2016 - Apr 2019

New American Funding Remote

• Review/analyze loan files submitted for borrowers to ensure the file meets loan program requirements. Includes individual analysis of:

• Loan application

• Credit profile/report(s)

• Debt and assets

• Income/financial statements

• Loan values/loan-to-value ratios

• Appraisal reports

• Collateral and supporting documentation

• Identify/calculate loan risk of loss

• Condition files for missing/supporting documentation

• Revisit loans to review and clear conditions

• Approve, counter or deny loan file

• Escalate fraud files to Credit Manager/Risk Management team

• Experience working with Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector

• Knowledge of FHA, FNMA and FHLMC policies and guidelines

• Knowledge of mortgage loan processing, compliance, investor products and underwriting guidelines

• Knowledge of mortgage insurance (MI) guidelines

• DE Certified

MORTGAGE UNDERWRITER Oct 2016 - Nov 2016

Caliber Home Loans Remote

• Review/analyze loan files submitted for borrowers to ensure the file meets loan program requirements. Includes individual analysis of:

• Loan application

• Credit profile/report(s)

• Debt and assets

• Income/financial statements

• Loan values/loan-to-value ratios

• Appraisal reports

• Collateral and supporting documentation

• Identify/calculate loan risk of loss

• Condition files for missing/supporting documentation

• Revisit loans to review and clear conditions

• Approve, counter or deny loan file

• Escalate fraud files to Credit Manager/Risk Management team

• Experience working with Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector

• Knowledge of FHA, FNMA and FHLMC policies and guidelines

• Knowledge of mortgage loan processing, compliance, investor products and underwriting guidelines

• Knowledge of mortgage insurance (MI) guidelines

• Working knowledge of various fraud tools

SR. MORTGAGE PROCESSOR Jun 2015 - Oct 2016

Caliber Home Loans Stockbridge, GA

• Processing of conventional and government residential mortgage loans

• Regular communication with loan officers, customers, underwriters and vendors

• Interpreting policies while analyzing applications, appraisal, and documentation

• Ordering of all verifications

• Make sound business decisions based on credit risk policies and procedures

• Perform high volume, time sensitive tasks related to loan documentation process

• Consistently ensure a high level of customer service

• Main point of contact for customer to request and gather necessary documentation to further process loan

• Process a pipeline of 20+ loans

SR. MORTGAGE PROCESSOR Oct 2013 - Jun 2015

Academy Mortgage Corporation Stockbridge, GA

• Processing of conventional and government residential mortgage loans

• Regular communication with loan officers, customers, underwriters and vendors

• Interpreting policies while analyzing applications, appraisal, and documentation

• Ordering of all verifications

• Make sound business decisions based on credit risk policies and procedures

• Perform high volume, time sensitive tasks related to loan documentation process

• Consistently ensure a high level of customer service

• Main point of contact for customer to request and gather necessary documentation to further process loan

• Process a pipeline of 40+ loans

EDUCATION

B.A.S HEALTH ADMINISTRATION Dec 2003

Clayton State University

SKILLS

Property Management (Experienced), Bookkeeping (Skillful), Financial Analysis (Experienced), Mortgage Underwriting (Expert), Risk Assessment (Expert), Loan Processing (Expert), FHA Guidelines (Expert), FNMA Guidelines (Expert), FHLMC Guidelines (Expert), VA

(Experienced), USDA ( Experienced), Customer Service (Expert), Data Entry (Expert), Social Media Marketing (Skillful).

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