Quality Control Real Estate

Anna Katharine Salser

Birmingham, AL ***** 205-***-**** ********@******.***

Summary of Qualifications

Experienced mortgage professional with over 20 years specializing in Quality Control Underwriting, credit analysis, and real estate appraisal. Expert in reviewing mortgage applications, ensuring compliance with industry regulations, and conducting thorough audits of loan files to assess accuracy and adherence to underwriting guidelines. Skilled in evaluating financial documents such as P&L statements, balance sheets, and tax returns to identify potential risks and ensure proper loan funding. In-depth knowledge of FHA, VA, and Conventional loan products, with a strong focus on quality assurance and risk mitigation. Seeking a remote position to leverage my expertise in quality control and underwriting to enhance operational efficiency and ensure compliance with regulatory standards.

Professional Experience

Homewood Mortgage 2008 – Present

President / Minority Owner

Spearhead strategic initiatives and daily operations as President, driving company growth and efficiency in all mortgage loan processes

Consistently ensure compliance and accuracy in all loan documentation and processing to minimize risk and optimize overall performance

Oversee financial management, including accounts payable, rent, and supply procurement, leveraging QuickBooks for streamlined accounting

Manage a $1M warehouse line of credit, consistently ensuring prompt loan purchases and maintaining financial liquidity

Administer Mortgage Electronic Registration System (MERS), ensuring accurate registration and tracking of loans to streamline operations

Home1st Lending LLC 2009

Branch Manager

Led branch operations, overseeing underwriting, compliance, and quality control, ensuring timely and efficient loan processing

Maintained thorough logs for new applications, denied applications, and closed loans to ensure adherence to regulatory standards

Enhanced staff knowledge of industry regulations (RESPA, FHA, VA, USDA, FNMA) by conducting training sessions and meeting AMBA licensing requirements

Reviewed HUD-I settlement statements to ensure accuracy, while attending closings to guarantee clients fully understood documents before signing

Managed operational logistics, including rent, supplies, and telecommunications, ensuring smooth operations

First Performance Mortgage Corp. 2004 – 2009

Branch Manager

Directed all branch operations, driving efficient mortgage processing from underwriting to closing

Established and managed investor relationships, securing approvals through FNMA & FHLMC via detailed application submissions

Submitted loan packages for investor approval, ensuring compliance with requirements and timely processing

Orchestrated loan closings by coordinating with attorneys and title companies while ensuring accurate documentation

Underwrote loan files and appraisals in adherence to internal policies and regulatory standards

Collaborated with quality control vendors to ensure compliance with RESPA, state and federal regulations, and investor guidelines

Led licensing, compliance, payroll, and mortgage operations, maintaining rigorous operational standards

Supervised and mentored originators and processors, optimizing workflow and ensuring team performance

Anna Katharine Salser 205-***-**** Page 2

Professional Experience Continued

Hamilton Mortgage Corp. 2001 – 2004

Senior Underwriter

Approved FHA, VA, USDA, and Conventional loans, ensuring compliance with industry guidelines and minimizing risk

Managed and mentored loan processors to ensure timely and accurate loan document preparation

Partnered with closing attorneys to guarantee precise and timely preparation of closing documentation

Ensured timely insurance of FHA & VA loans, meeting all government deadlines and requirements

Obtained DE and SAR delegation for FHA, VA, and USDA loans, underwriting appraisals with a focus on accuracy

Analyzed loan applications and determined eligibility based on credit and income

Ensured timely and accurate insurance for FHA & USDA loans, maintaining a flawless track record

Additional Work Experience

US Department of Housing & Urban Development

Veterans Administration

Johnson & Associates Mortgage Company

Collateral Mortgage; Engel Mortgage; Charter Mortgage; Realty Mortgage

Education & Professional Development

Bachelor of Science, University of Alabama

Business Degree, Eckard College

HUD Business, University of Maryland

AMBA Studies for Mortgage Licensing, State of Alabama

Public Speaking Seminars

Real Estate License

Community Involvement

UAB Cancer Center

St. Vincent Hospital

Humane Society of Greater Birmingham

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