Tammi Y. Harris
SUMMARY OF QUALIFICATION
Solid 14 years experience in mortgage/consumer/commercial lending industry ranging from management, underwriting and sales. Excellent ability to work independently, manage a team and meet production goals while maintaining a 24 hour turn around time. Superior analytic and interpersonal skills. Excellent communication skills, both written and verbal.
OTN/McKesson, LaVergne, TN
Financial Analyst/Credit Underwriter, January 2008 – August 2008
Approve commercial accounts for oncology clinics/medical offices by analyzing client’s current and forecasted financial stability. Monitor credit limits and repayment terms for existing accounts to fully utilize optimum buying while minimizing risk. Prepare detail profitability assessments on clients buying patterns and delinquency rating on their existing line of credit. Request physician credit and trade references, analyze financial statements along with researching DEA license to ensure accuracy and determine credit worthiness for limits ranging from $25K - $25M.
New Century Mortgage/Home123, Hurst, TX
Texas Retail Operation Center
Underwriting Manager, March 2002 - April 2007 (company closed)
Supervise and monitor a team of 8 Underwriters daily work flow ensuring 24 hour turn around time and compliance with operating procedures/policies. First line of review for escalated issues from retail branches and exceptions outside an Underwriters lending authority. Implement new programs and procedures that apply to retail branch operation and underwriting department. Second signed loan amounts up to $650k and declined files. Prepared a training manual for the underwriting procedure to be utilized by all departments in operation center. Perform quarterly audits on closed loans or investor rejected files and communicated findings to corporate auditors. Obtained Level 0 signing authority, within 90days of my management promotion, which is the highest level at New Century Mortgage. Record month of $73m funded loans within 90days of my management promotion.
First Horizon Home Loan, Irving, TX
Underwriter II, August 2001 - March 2002
Knowledge of FNMA, FHLMC, FHA, VA guidelines and products. Decision conventional, jumbo and 2nd lien exception request, utilizing DU/LP findings, which are outside published guidelines of company and investors. Evaluate risk and credit worthiness of each exception and utilized an approval authority exceeding $750k. Perform monthly audits on closed loans with high risk FICO scores. Reviewed Underwriters decisions to ensure compliance with guidelines and make recommendations, to increase or suspend an Underwriters authority limits, to senior management.
Southern Mortgage Services, Arlington, TX
Mortgage Broker/Owner, May 2000 – August 2001
Responsible for all originating, underwriting and pricing of loans prior to submission to multiple wholesale investors. Attended all loan closings with clients at various title companies. Trained and assisted my loan officer and processor with daily functions. Specialized in conventional prime and subprime products.
Saxon Mortgage, Ft Worth, TX
Wholesale Operation Center
Underwriter, September 1998 - May 2000
Responsible for the evaluation, approval or decline of mortgage applications within 24 hrs. Underwrite loans consistently and accurately in accordance to company guidelines utilizing $250k limit. Evaluate all documentation for credit, property and income verification. Conduct analysis to determine credit risk and debt to income ratios.
New Century Mortgage, Dallas, TX
Loan Officer, March 1998 - September 1998
Green Tree Mortgage, Arlington, Texas
Loan Officer, October 1997 - February 1998
Responsible for pre-underwriting, pricing and processing loan applications. Excellent knowledge of secondary credit guidelines and Texas home equity laws. Independently generated loan applications through phone and mail solicitations.
Norwest Financial, LA and TX
Assistant Branch Manager, May 1994 - October 1997
Responsible for the growth of $5m branch consisting of personal, auto, mortgage loans and retail contracts. Coordinate hiring and training of Credit Managers and customer service representatives. Responsible for the collection of delinquent accounts some resulting in repossessions, judgments and foreclosures. Responsible for underwriting, processing and closing of all loans. Develop new business accounts by negotiating terms for retail financing contracts. Conduct training programs for all employees involving credit investigation, sales/loan interviewing techniques and property analysis.
Dillard University, New Orleans, LA
B.A. Accounting, 1994
H&R Block, New Orleans, LA
Certification for Individual and Business Tax Return preparation, 1995
Certification Courses Completed, 2001
Real Estate Practice in Texas, Law of Contracts and Texas Real Estate Agency
Computer Skills: MS Word/Excel, PowerPoint, Oracle, I-Nice, Get Paid and SAP
Mortgage Software: Calyx/Points, Contour, Gallagher, Pipeline Solutions, Uniform and Empower
References Available Upon Request