Mortgage/administrative professional

Mia Nicole (Williams) Wiggan

**** **** **** ****, ****** Creek, CA 94598

Phone: 925-***-**** Cell: 925-***-****

Email: *****************@*****.***

Objective: To obtain a position in a fast growing dynamic company, to further expand my education through experience.

Summary: My four years of college were spent attending four well known Universities, while maintaining a full time Job within the Mortgage Banking industry. Since graduation, I have continued to maintain full time employment within that same industry, furthering my knowledge through experience.

Work Experience:

August 08 to Present: Wells Fargo Home Mortgage, Concord, CA – Loan Doc Specialist IV – Government Team

Loan Doc Specialist IV: Reviewing conditions for both conventional, FHA & VA loans ensuring all conditions are met & reviewed in a

August 2008 to timely manner & that all broker, AE questions and concerns on a file moving through UW are met in a timely

Present manner. For FHA loans ensuring that all government checks are made & satisfactory to government standards & guidelines, while making sure any issues are elevated to the proper sources. Keeping close contact with the broker to ensure all conditions are met & understood within the time constraints of any given loan. Re-decisioning loans through our automated system as well as through DU when needed & clearing many conditions including income, assets, title, etc. Maintaining close broker contact on pipeline management & guideline & scenario questions.

Oct 06 to August 08: IndyMac Bank, San Ramon, CA – DE Underwriter, Senior Processor, AVP

DE Underwriter: Reviewing and making decisions on both Conventional and FHA loans both manually and utilizing an automated

December 2007 to systems such as emits (IndyMacs internal system), DU and LP. Ensuring each loan meets Investor Guidelines

August 2008 as well as HUD & Fannie Mae/Feddie Mac standards to ensure both salability and insurability, all while trying to make good, sound loans that would minimize the companies risk and exposure. Reviewing and approving collateral in regards to Appraisals and Title as well reviewing credit including income and assets as well as the whole credit profile. All while fielding Underwriting questions and guideline interpretations to both operations and sales staff for both Conventional and FHA loans.

Senior Processor, AVP: Ensuring that orders for Appraisals and Title Reports have been placed. Following up on those orders as well as

October 2006 to obtaining the needed conditions from the borrowers in order to meet guidelines. Basically bringing many types

December 2007 of loans from CTP to Conventional products even Jumbos, from beginning to end. Taking the loan after application and verifying that the loan will be within guidelines, then making sure that the right product has been chosen for the customer, given their own loan situation, whether it is a purchase, or a refinance. Ensuring that all Appraisal, title and credit conditions or issues are cleared and or addressed before the loan is finally approval. By ensuring that communication with the borrower held throughout the whole transaction to ensure customer’s needs are being fulfilled and guidelines and being met, as well as federal and state laws. Maintaining all data integrity throughout the loan processes and making sure the loan is processed within either the lock period or the given close of escrow period allotted by the purchase contract.

October 06: Meridian Capital, San Ramon, CA – Capital Markets

Capital Markets: Quality Control checking on every file that is shipped to an investor. Making sure that our copy file and our

October 06 original file has every document necessary, complete and correct. Then Follow up on funding conditions necessary to sell our loan to any other secondary market investor, as well as maintaining relationships with those various investors.

Aug 04 to Sept 06: First Horizon Home Loan Corporation, Walnut Creek, CA – OTC Processor V, AVP

OTC Processor V: Specializing in OTC, but not limited to OTC, just covering 2 branches instead of 10 branches with all the same

January 2006 to duties as below. This change was at my request, in order that the quality of the files would not suffer with the

September 2006 increase in this type of volume that has been projected for First Horizon this year.

Regional OTC Processor: Taking all OTC loans for 10 branches from application through modification, including document drawing and

August 2004 to funding. While keeping open lines of communications to insure the best customer service levels possible,

December 2005 working out pricing and structure of all loans. Specializing in OTC, but not limited to OTC, with all the same duties as follows: Ensuring that orders for Appraisals and Title Reports have been placed and ordered correctly. Following up on and obtaining the needed conditions from the borrowers in order to meet guidelines, as well as, making underwriting decisions on certain loans programs as a Level IV e-Decisioner. Basically bringing all types of loans from FHA, VA to Conventional products even Jumbos, from beginning to end. Taking the loan after application and verifying that the loan will be within guidelines, then making sure that the right product has been chosen for the customer, given their own loan situation, whether it is a purchase, or a refinance. Ensuring that all Appraisal, title and credit conditions or issues are cleared and or addressed before the loan is finally approval. By ensuring that communication with the borrower held throughout the whole transaction to ensure customer’s needs are being fulfilled and guidelines and being met, as well as federal and state laws. Maintaining all data integrity throughout the loan processes and making sure the loan is processed within either the lock period or the given close of escrow period allotted by the purchase contract.

Oct 02 to Aug 04: Chase Manhattan Mortgage, Walnut Creek, CA – Senior Loan Processor & Team Lead

Team Lead: Supervising operations staff in branch. Ensuring coverage for all loan officers during staff vacations and

March 2003 to absences, as well as reporting time. Keeping track of all compliance matters within the branch and ensuring that

August 2004 all staff including Loan Officers are aware of policy changes. Answering any and all questions for processing staff, as well as the sales force. All while maintaining 60-100% of the branches entire pipeline, with all the same duties as listed below.

Senior Loan Processor: Ensuring that orders for Appraisals, and Title Reports have been placed. Following up on those orders as well as

October 2002 to obtaining the needed conditions from the borrowers in order to meet guidelines. Basically bringing many types

March 2003 of loans from FHA, VA to Conventional products even Jumbos, from beginning to end. Taking the loan after application and verifying that the loan will be within guidelines, then making sure that the right product has been chosen for the customer, given their own loan situation, whether it be a purchase, or a refinance. Ensuring that all Appraisal, title and credit conditions or issues are cleared and or addressed before the loan is finally approval. By ensuring that communication with the borrower held throughout the whole transaction to ensure customer’s needs are being fulfilled and guidelines and being met, as well as federal and state laws. Maintaining all data integrity throughout the loan processes and making sure the loan is processed within either the lock period or the given close of escrow period allotted by the purchase contract.

Aug 00 to Oct 02: North American Mortgage, Concord, CA - Mortgage Specialist II

Mortgage Specialist II: Placing orders for Appraisals, Flood Reports, and Title Reports, as well as running DU and ensuring that the loan

August 2000 to is underwritten through the proper channels. Following up on those orders as well as obtaining the needed

October 2002 conditions from the borrowers in order to meet guidelines. Basically bring many types of loans from FHA, VA to Conventional products even Jumbos, from beginning to end. Taking the loan after application and verifying that the loan will be within guidelines, then making sure that the right product has been chosen for the customer, given their own loan situation, whether it be a purchase, or a refinance. Clearing all Appraisal, title and credit conditions before final loan approval. By ensuring that communication with the borrower held throughout the whole transaction to ensure customer’s needs are being fulfilled and guidelines and being met, as well as federal and state laws. Maintaining all data integrity throughout the loan processes and making sure the loan is processed within either the lock period or the given close of escrow period allotted by the purchase contract. Also, maintaining Builder accounts to ensure customer satisfaction, to further business with referrals.

Oct 98 to Jan 00: Partners Mortgage, San Jose, CA - Administrative Assistant to the Vice President of Operations & Secondary Marketing

Administrative Assistant: Fulfilling any tasks asked of me by the Vice President of Marketing, as well as the COO. Preparing loan

October 98 to spreadsheets and doing other special projects for the Vice President of Operations. Finishing reports and

January 99 update tracking, as well as some process flow changes and supporting the staff where needed.

Secondary Marketing: Quality Control checking on every file that is shipped to an investor. Making sure that our copy file and our

January 99 to original file have every document necessary to be complete and correct. Then follow up on funding conditions

January 00 necessary to sell our loan to any other secondary market investor, as well as maintaining relationships with those various investors. As part of this job I was also responsible for maintaining our insurance packages for FHA and making sure that they were as complete as our original files. I also had to retain servicing records while the loan was in transit.

May 97 to Oct 98: Affinity Finance, Walnut Creek, CA - Loan Processor, Special Projects, Compliance/Collateral Control & Secondary Marketing (Quality Control Specialist)

Loan Processing: Placing orders for Appraisals, Flood Reports, and Title Reports. Checking up on those orders and their status.

May 97 to Organizing files, as well as clearing up stipulations placed on upon us by our investors. Completing Grant

September 97 Deeds, Homestead Abandonment’s and other documents having to do with Title. Drawing loan documents with regards to data entry, printing and coping, to send out to be signed. Initial RESPA's or legal loan disclosures. Letters to customers notifying them that their loan has been transferred for servicing. Letters to customers requesting documentation of unverified information. I also cross-trained in underwriting while doing my loan processing, in regards to declines. I had to check the Debt to Income Ratios and the Combined Loan to Value Ratios to make sure they were really declines. I then did the writing of letters notifying them that their loan has been declined or canceled and taken off our system.

Special Projects: Preparing loan spreadsheets and doing other special projects for the CEO, CFO, Vice President of Operations,

October 97 to and Vice President of Marketing. Finishing reports and update tracking, as well as some input into process flow

April 98 changes and supporting the staff.

Compliance/Collateral: Constructing a compliance manual for the companies compliance department. Creating compliance

April 98 to Oct 1998 policies and procedures. Building collateral packages and following up on funding conditions for the funding department. I perform a Quality Control check for all collateral packages before sending them out as well as maintaining a relationship with the Auditor/Funder.

Secondary Marketing: Quality Control checking on every file that is shipped to an investor. Making sure that our copy file

May 1998 to Oct 1998 and our Original File have every document necessary, complete and correct. Then Follow up on funding conditions necessary to sell our loan to any other secondary market investor, as well as maintaining relationships with those various investors.

Education: Graduated from Northgate High School in June of 1996 with a 3.67 GPA. One Semester in the School of Architecture at the University of Southern California as an Architecture Major, with a 3.0 GPA. One Semester at Saint Mary's College as a Double Major in Business and Art, with a 3.5 GPA. One Year at Menlo College as a Business Major, with a 3.96 cumulative GPA. Graduated from UCSC in June of 2000, with a BA in Business Management Economics with a minor in Art History.

Additional Training: Tax Return Analysis, “Straight to the point” Full evaluation of an Appraisal, & “Fraud Alert” Full investigation of fraud files, through MGIC 2000, evaluating the self-employed borrower, through MGIC 2001, DU Validation for Validations through NAMC 2001, FHA/VA Refinancing Techniques, through Mortgage Training Services 2001, and CHFA Training California Housing Finance Agency 2002.

Skills: Proficient in Microsoft Word, Excel and PowerPoint, Energizer, Loan Base, Peach Tree, Point, Loan handler, DU, LP, MLCS, DataTrac, PACS, TMO, LOP, Encompass Anywhere, eMITS and MIPS. I am proficient in the use of both Mac’s and PC’s.

References: Others available upon request

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