Experienced Consumer Underwriter and Credit Analyst Professional
Resume:
Amy D. Thompson
***** ********** ******* ****, *** Kent, VA 23124
804-***-**** (H); 804-***-**** (CP)
E-mail: ****************@*****.***
SUMMARY
Multi-talented professional with experience in all phases of Customer Service, Medical Facility, Office Management, Accounting, and Administration.
Possesses highly complex interpersonal and communication skills. Effectively troubleshoots technical, operational, and professional conflicts and implement viable solutions. Extensive knowledge with maintaining essential documents and records required for accreditation, compliance, and ADA regulations.
Avid user of various software programs which include Microsoft Word, Excel, Access and PowerPoint, Cognos, other in-house software packages; to include Showcase Strategy, Data Warehouse, McCracken, AS400, Pipeline and Playbook. Proficient with a variety of multi-line telephone systems, 10- key calculator, data entry, and other related office equipment.
Areas of expertise include Office Administration, Medical Facilities, Critical Operation Facilities, and Customer Relations, also am a current Licensed Notary Public.
PROFESSIONAL EXPERIENCE
Highland Commercial Mortgage Birmingham, AL 07/2022 - Present HUD FHA UNDERWRITER:
Prepare forms, gather credit reports, write narratives, and all other information necessary for a HUD loan application package, then prepare package and review for final review and approval.
Perform property site inspections for application submission.
Gain enhanced perspective of the servicing processes and interpret loan documents.
Familiar with the processes, applications and software required to perform within this business unit.
Track incoming wire transactions for income, applications fees, rate lock requirements, and Good Faith deposits
Maintain an expert understanding of applicable internal as well as FHA policies and procedures as outlined in the internal Policies and Procedures Manual, FHA MAP Guide, LEAN Handbook and other applicable references.
Critically evaluate appraisals, market studies, project capital need assessments, project/personal financial statements, credit reports, insurance policies, and any other documents needed to development sound underwriting conclusions.
Understand physical characteristics of commercial real estate properties, assessing the related competitive advantages and disadvantages and applying to project proposals.
Structure the underwriting and financing aspects of transactions to create the proper balance of feasibility and risk.
Review and analyze legal contracts such as applications, commitments and loan documents.
Interface with clients and other project participants to obtain necessary documentation and appropriately manage the underwriting, review and closing processes.
Keep management and bankers informed of project specific progress and issues on a proactive basis so as to facilitate smooth execution of engaged transactions.
Develop strong business relationships with HUD production staff. NewPoint Real Estate Capital LLC (formally known as Barings Multifamily Capital LLC) Plano, TX 11/2020 – 06/2022 MAP AND LEAN CERTIFIED UNDERWRITER, ANALYST, and LOAN PROCESSOR:
Prepare forms, gather credit reports, help write narratives, and all other information necessary for a HUD loan application package, then prepare package and review for final underwriting review and approval.
Perform property site inspections for application submission.
Review third party reports for accuracy and consistency and supply any comments for necessary changes/corrections.
Familiar with the processes, applications and software required to perform within this business unit.
Participate in the planning and implementation of process improvements throughout the department.
Track incoming wire transactions for income, applications fees, rate lock requirements, and Good Faith deposits
Maintain an expert understanding of applicable internal as well as FHA policies and procedures as outlined in the internal Policies and Procedures Manual, FHA MAP Guide, LEAN Handbook and other applicable references.
Critically evaluate appraisals, market studies, project capital need assessments, project/personal financial statements, credit reports, insurance policies, and any other documents needed to development sound underwriting conclusions.
Understand physical characteristics of commercial real estate properties, assessing the related competitive advantages and disadvantages and applying to project proposals.
Structure the underwriting and financing aspects of transactions to create the proper balance of feasibility and risk.
Review and analyze legal contracts such as applications, commitments and loan documents.
Interface with clients and other project participants to obtain necessary documentation and appropriately manage the underwriting, review and closing processes.
Keep management and bankers informed of project specific progress and issues on a proactive basis so as to facilitate smooth execution of engaged transactions.
Assist in origination efforts as needed by evaluating provided project information, preparing preliminary loan analyses, offering needed technical advice and leading needed preliminary interactions with our internal credit committee and/or HUD staff.
Develop strong business relationships with HUD production staff. Greystone Funding Company LLC New York, NY 09/2018 – 10/2020 LEAN UNDERWRITING ANALYST
Maintain an expert understanding of applicable internal as well as FHA policies and procedures as outlined in the internal Policies and Procedures Manual, LEAN Handbook and other applicable references.
Critically evaluate appraisals, market studies, project capital need assessments, project/personal financial statements, credit reports, insurance policies, and any other documents needed to development sound underwriting conclusions.
Understand physical characteristics of commercial real estate properties, assessing the related competitive advantages and disadvantages and applying to project proposals.
Structure the underwriting and financing aspects of transactions to create the proper balance of feasibility and risk.
Review and analyze legal contracts such as applications, commitments and loan documents.
Interface with clients and other project participants to obtain necessary documentation and appropriately manage the underwriting, review and closing processes.
Keep management and bankers informed of project specific progress and issues on a proactive basis so as to facilitate smooth execution of engaged. transactions.
Assist in origination efforts as needed by evaluating provided project information, preparing preliminary loan analyses, offering needed technical advice and leading needed preliminary interactions with our internal credit committee and/or HUD staff.
Develop strong business relationships with HUD production staff.
Perform property site inspections for application submission. Berkadia Commercial Mortgage LLC Richmond, VA 03/06 –08/18 MAP-CERTIFIED FHA UNDERWRITER – 2017- 08/2018
Maintain an expert understanding of applicable internal as well as FHA policies and procedures as outlined in the internal Policies and Procedures Manual, FHA MAP Guide, LEAN Handbook and other applicable references.
Critically evaluate appraisals, market studies, project capital need assessments, project/personal financial statements, credit reports, insurance policies, and any other documents needed to development sound underwriting conclusions.
Understand physical characteristics of commercial real estate properties, assessing the related competitive advantages and disadvantages and applying to project proposals.
Structure the underwriting and financing aspects of transactions to create the proper balance of feasibility and risk.
Review and analyze legal contracts such as applications, commitments and loan documents.
Interface with clients and other project participants to obtain necessary documentation and appropriately manage the underwriting, review and closing processes.
Keep management and bankers informed of project specific progress and issues on a proactive basis so as to facilitate smooth execution of engaged. transactions.
Assist in origination efforts as needed by evaluating provided project information, preparing preliminary loan analyses, offering needed technical advice and leading needed preliminary interactions with our internal credit committee and/or HUD staff.
Develop strong business relationships with HUD production staff. LOAN PROCESSOR/UNDERWRITER TRAINEE/ADMINISTRATIVE ASSISTANT – 2006 - 2017
Prepare forms, gather credit reports, help write narratives, and all other information necessary for a HUD loan application package, then prepare package and review for final underwriting review and approval.
Perform property site inspections for application submission.
Review third party reports for accuracy and consistency and supply any comments for necessary changes/corrections.
Preparation of loan requirement packages for Freddie Mac
Support entire office staff with customer requests, correspondence, filing, mailing, imaging, and other general office duties.
Maintain PTO requirements for servicing staff; order supplies, maintain accounts payables for all groups.
Maintain off-site storage inventory and warehousing inventory; Assist with any other duties or special assignments as needed or requested.
Gain enhanced perspective of the servicing processes and interpret loan documents.
Familiar with the processes, applications and software required to perform within this business unit.
Participate in the planning and implementation of process improvements throughout the department.
Facilitate the satisfaction /release process for paid off loans.
Maintain loans in SalesForce system for tracking, invoice payment to third party vendors, and refunds to borrowers.
Track and code incoming wire transactions for income, applications fees, rate lock requirements, and Good Faith deposits DIVARIS PROPERTY MANAGEMENT CORP Richmond, Virginia 08/05 – 03/06 ASSISTANT PROPERTY MANAGER
Responsible for retail and office property totaling approximately 700,000 square feet; Monitored collections, coordinated default proceedings, and invoicing tenant bill backs.
Developed operating and capital budgets, track variances, and ensure smooth recovery process.
Maintained interface with third party owners, ensuring total contract compliance, including preparation of accurate and timely reporting.
Bid, negotiated and managed conformity with vendor contracts; Coded all invoices for payment processing.
Provided and fostered positive relationships with tenants.
Monitored, maintained and improved the fiscal and physical conditions of assigned portfolio.
Prepared annual CAM reconciliations; coded and approved CAM invoices. TRAMMELL CROW COMPANY/BANK OF AMERICA Richmond, Virginia 10/02 - 07/05 ADMINISTRATIVE ASSISTANT/ASSISTANT PROPERTY MANAGER
Responsible for triple net leased critical facility.
Performed all lease administration duties, monitor collections, and coordinate default proceedings.
Developed operating and capital budgets, track variances, and ensure smooth recovery process.
Maintained interface with third party owners, ensuring total contract compliance, including preparation of accurate and timely reporting.
Developed comprehensive annual inspection process for properties, and complete quarterly inspections.
Bid, negotiated and managed conformity with vendor contracts.
Created, processed, and maintained Critical Environment Work Authorizations
Coded all invoices for payment processing.
Maintained, input, and completed work orders and preventive maintenance records and reports.
Provided and fostered positive relationships with tenants and internal clients.
Ensured prompt completion of Data Warehouse (Space management/allocation)
Assisted Project Managers with space reconfiguration, construction and up-fit.
Received two Bravo Awards – one based on the creation, process and coordination of 92 Critical Environment Work Authorizations during a renovation project, and the other based on excellence with assistance while other team members were on leave. DANIEL CORPORATION/DANIEL REALTY SERVICES Richmond, Virginia 05/98 - 10/02 ADMINISTRATIVE ASSISTANT/ASSISTANT PROPERTY MANAGER
Responsible for supporting off-site Property Manager and Vice President
Assisted Property Manager by locally managing a triple net lease and a tax credit property.
Assisted Property Manager by locally managing the common area of a commercial office park.
Prepared annual CAM reconciliations; coded and approved CAM invoices.
Assisted with the budgeting process and monthly reporting for tax credited property and third-party client.
Responsible for assisting Property Manager with preparing and tracking capital improvement needs throughout the year.
Bid, negotiate and select contractors and vendors.
Worked closely with Property Manager creating new ideas and ways to cut costs.
Collected rents, billed tenants monthly, and made bank deposits.
Researched and compiled information for market data for various lines of business to include apartments, retail stores, and commercial offices.
Drafted and prepared development information for brochures
Drafted and prepared complex reports, office correspondence, forms, and other related documentation CAPITAL MEDICAL CENTER Richmond, Virginia 07/97 - 05/98 FACILITIES SUPPORT SPECIALIST
Responsible for supporting the Engineering/Facilities Department for the Medical Center
Assisted with policy and procedures to include Infection Control, Engineering and Security
Assisted in making complex decisions on the safety committee to include coordination of disaster plans, fire drills, and accreditation for the hospital.
status
Maintained OSHA regulation and compliance updates to include MSDS logbooks and ADA requirements.
Responsible for maintaining medical records for staff members to ensure proper annual tests for Hepatitis B and TB
Maintained and input work orders and preventive maintenance records.
Responsible for contract negotiations with contractors and vendors
Responsible for drafting and preparing complex reports, office correspondence, forms and other related documents.
Maintained internal and external customer focus.
Effectively work with safety committee to establish policy and procedures which includes disaster recovery. EDUCATION
The Braxton School of Business Richmond, Virginia
Graduated 1993 the Administrative Assistant Program – received Student of the month, November 1993. Award based on attitude, academic achievement and attendance.
Rappahannock Community College Glenns, Virginia
1989-1990; several courses in Business Management/Accounting SELF AND ACCELERATED STUDY EDUCATION
Appraisal Procedures and Appraisal Principals classes at the Appraisal Institute Several Mortgage Banker Association (MBA) and specialized classes taken to further my career education. Successful completion of the MBA FHA Multifamily Underwriter Training Program in 2014. September 2001 - Long & Foster Institute of Real Estate - Principles and Practices of Real Estate Certified Notary Public
References Available Upon Request
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