Mortgage Industry
Resume:
DENISE T. NEWTON
P O Box *****
Jacksonville, Florida 32203
*********@***.***
Summary
• Dynamic mortgage management professional encompassing multiple levels of industry knowledge and experience
• Detail oriented leader providing exceptional coaching to achieve business goals and metrics as well as a positive customer experience
• Proven capabilities in the area of building and sustaining strong internal partner relationships
• Team player willing to assimilate into corporate structures and assume a myriad of responsibilities to get the job done
• Compliance and industry standards specialist maintaining superior audit tracking results
Education
University of Phoenix Jacksonville, FL.
Pursuing Bachelors-Business Administration/Concentration Finance Graduation-2012
Experience
PHH Mortgage Jacksonville, FL.
Credit Risk Management Underwriter
May 2009 – July 2009
• Approve, suspense or decline of mortgage loans, following mortgage standards
• Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government or conventional standards
• Evaluates acceptability of loan to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors
• Approves or rejects loan application, or requests additional information. Records loan rejection specifying investor and institution guidelines and basis for declining application, for example insufficient cash reserves
Wachovia Mortgage FSB Jacksonville, FL.
Government Sr. Loan Specialist
September 2008- May 2009
• Direct the daily management of an open pipeline of 225-300 FHA loans
• Prioritize daily functions to generate a minimum of 6-8 underwriting submissions per day
• Create reports highlighting time sensitive loans and aged files for documented follow up
• Network with internal partners to establish points of contact within targeted departments for escalation issues
• Maintain up to date knowledge of FHA and HUD communications to ensure borrower files are up to FHA underwriting standards
• Update internal databases with loan activity to ensure timely updates are available for borrowers
Key Pointe Mortgage Jacksonville, FL.
Consumer Loan Ops Dept. Mgr
June 2005-
• Provided direction and coaching for 30 direct and indirect reports
• Created attainable productivity and accountability goals for all team members
• Coached 25 processors with up to 60 loans in a pipeline
• Partnered with corporate Vice Presidents to support marketing, fraud protection and quality metrics
• Conducted weekly team meetings with team leads to understand achievements and missed goals and provided action plans for process improvements
•Supervised 65-75 closings per month contributing over $15 million to the business per month
• Produced weekly reports including QA, Compliance and Input Reports
• Originated loans for the commercial division of the business
DENISE NEWTON PAGE 2
Experience - Continued
Key Pointe Mortgage Jacksonville, FL.
Mortgage Underwriter II
February
• Provided underwriting support for FHA, VA and Conventional platforms
• Maintained up to date knowledge of changes and updates to compliance and guideline standards
• Reviewed and provided credit analysis for over 60 loans per month
• Focused on credit and stability of borrowers to provide quality analysis when rendering a decision escalated issues to management if needed
• Maintained open communication with internal partners advising of updates to files as well as changes in guidelines and best practices
Key Pointe Mortgage Jacksonville, FL.
Senior Loan Processor July 1999- February 2003
• Managed an open pipeline of 75-150 loans per month
• Prepped files for transmission to imaging center
• Managed daily and weekly reports including HMDA and Suspense conditions reports for loans which were out of compliance
Additional Mortgage Experience
JP Morgan and Chase Jacksonville, FL.
Quality Support Analyst
June 2008-September 2008
• Provided quality analysis of over 65 internal and external communications per day
• Compiled data and feedback for multiple levels of management
Jacksonville, FL.
Documentation Auditor December 2007- June 2008
• Audited over 50 loans per day to ensure original notes matched closed files for sale to investors
• Created weekly reports for quality checks and errors for senior management
Technical Skills
• Microsoft Office Suite
• Right Fax
• Outlook, Lotus Notes
• LPS, AWD, LP and DU
• FHA Connection
• MLS
References: Available on request
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