Ambitious

Marshelle Wilson-Goodman

**** ********* ** **********, ** 29532 Home: 843-***-**** Cell: 843-***-****

hvyyoe@r.postjobfree.com

Objective

To obtain a challenging position within your company that will allow me to utilize my fourteen years of professional experience in a high energy environment with an opportunity for advancement. Throughout my tenure in the mortgage industry I have worked in positions with progressively increasing areas of responsibility, won awards for high productivity, and consistently exceeded professional goals and expectations.

Areas of Expertise

 Fourteen Years as a Customer Service Representative

 Team Lead over12-15 associates with management assistant

 Evaluate documents for Credit and Fraud Risk

 Ability to organize and prioritize multiple tasks during periods of high volume with confidence

 Ability to analyze situations and leverage support staff to find workable solutions

 Professional and skilled communicator; internal and external customers

 Ability to translate Modification and Consolidation Agreements

 Maintain database by importing & exporting data required for due diligence

 Adapt quickly to changing market environments

 Awards for highest outbound calls made in Call Center Department; June, July and August 2004

 Presented daily, weekly, and monthly reports to Senior Manager

 Microsoft Office Applications (Word, Outlook, Excel, Access, and PowerPoint)LMS, SCAR database, GTM database, Windows NT/XP, All-Regs, Datatel, Cisco, Data Sentry, LexisNexis

 FNMA/Fhlmc Delegated Underwriter and other automated underwriting systems

 Review Seller Guidelines to uniform credit standards

Employment History

July, 2008-Present Taylor, Bean & Whitaker Mortgage Corp Florence, SC

Underwriter Analyst

 Answer incoming underwriting calls and emails from Correspondent Lenders, Attorneys, Processors, Account Executive, Liaisons and Title Companies regarding underwriting guidelines and/or scenarios on the Customer Service Help Desk.

 Make Final Decisions for Credit/Fraud Risk on loans rejected in Data Sentry, Lexus-Nexus by reviewing Automated Findings, Appraisals, Applications, Title Report and calculating dti,

 Review front-end credit documentation in correspondent with guideline requirements in order to ensure acceptable loans for purchase.

 Assist lender with new announcements and market changes regarding FHA/VA and conventional guidelines.

March, 2008- July, 2008 Florence-Darlington Technical College Florence, SC

Financial Aid Technician/Assessment Technician

 Assist with administration and proctoring of test to students

 Provide exceptional customer service for students engaged in the financial aid application and verification process.

 Review tax documents and make necessary corrections to FA data

 Assist with the importing and converting of electronic student aid records

December, 1995- October, 2007 Washington Mutual Bank Florence, SC

July, 2006-October, 2007, Sr. Business Opts Analyst (Underwriting)

 Download raw data into database system in order to create and export Underwriting data required for vendors and/or sellers.

 Perform Due Diligence underwriting analysis of the most complex loan transaction within a pool of loans eligible for sale in post-closing/secondary market on loans up to $50,000,000 from vendor/seller while maintaining the timeline set by deal calendar NY Traders for Securities.

 Provide final solutions or decisions on rejected loans in the queue up to 500 loans in 7 different bulks which may consist of overriding the Due Diligence underwriter’s decision by reviewing collateral assets, appraisals, calculating Dti, ltv, occupancy status, and fico score in securities market for the bid process set by Traders.

 Support the seller with clearing of due diligence findings by communicating review results to sellers, managers and peers clearly in written and verbal formats.

 Review seller underwriting guidelines for either approval/decline prior to the bid process in order to ensure satisfactory purchase of acceptable loans.

 Review credit documents to ensure compliance for Credit and Fraud Risk Review

February, 2006- July, 2006, Underwriter Analyst

 Answer incoming underwriting calls from Correspondent Lenders, Attorneys, Processors, Account Executive, Liaisons and Title Companies regarding underwriting guidelines on the help desk in Customer Service Department.

 Perform front-end credit analysis and analyze risk factors of loan components for newly originated 1-4 family residential loans including applicant’s credit, sources of income, types of property under purchase, type of loan, assets, stream of bank deposits, and debt ratios.

 Perform pre-funding audit by prepping required credit documents needed for underwriting.

October, 1997- February, 2006, Customer Specialist II (Team Leader)

 Assist the manger as a Team Lead with co-workers attendance, vacation, delegation of workload, and training new guidelines and/or procedures.

 Serve as a liaison between Due Diligence Team and Correspondent lenders.

 Make outbound calls to lenders regarding Due Diligence conditions and defective delivery fees assessed to their pricing due to outstanding documents

 Answer incoming calls from lenders pertaining to Underwriting, Closing Procedures, and suspended correspondent file for missing documents in Call Center Department.

 Review and Analyze credit documentation for accuracy.

 Validate exceptions for errors and/or omissions preventing immediate funding

December, 1995- October, 1997, Loan Review (Auditor)/Mortgage Specialist I

 Audit correspondent loans in detail for completeness and compliance with applicable rules, regulations, laws and standards to Fleet Mortgage Corp guidelines

 Enter loan data in computer for the purchase of correspondent loans.

 Distribute correspondent files to proper department

 Copying, sorting, and routing source documents to appropriate department for funding

Education

Limestone College, January,, 2008-Present Florence-Darlington Technical College Obtaining Bachelor Degree in Criminal Justice Diploma in Unit Secretary August 1995

Mortgage Bankers Association, July 2005 – September 2005

SC Fortune of Real Estate, April 2003 – July 2003

Wilson High School, Florence, SC, June 1989

Diploma

References

Available Upon Request

Contact this candidate