Customer Service Quality Control

Elaine Younger

P.O. Box ****, Cedar Hill, Texas *5106

301-***-****/ 401-***-****/***************@*****.***

CAREER PROFILE

Mortgage Specialist with 14 years experience in a variety of mortgage positions, including Senior Wholesale/Retail Underwriter, QC/Forensic Analyst, Loss Mitigation/Short Sales Underwriter, Processor and Closer. Able to apply problem-solving skills, handle high pressure situations, adapt to changing situations, and maximize efficiency while minimizing costs.

SUMMARY OF QUALIFICATIONS

• In-Depth Knowledge of Conforming, Non Conforming, FHA/VA, MI, Closing, and Collateral requirements.

• Strong in the following areas: customer service, communication, detail, analytical, decision making, and interpersonal with the ability to interact with other departments and third parties in a professional manner.

• Manual/Traditional underwriting experience with Secondary Marketing, Conventional, Government, Heloc and Retrospective loans.

• Knowledge with appraisal review or valuation of single family, 2-4 family, condominium, cooperative, land trusts, leasehold and factory-built properties and of Fannie Mae valuation guidelines, USPAP, AVM/APS and other valuation tools.

• Proficiency with Microsoft applications and Mortgage Software (Calyx, Encompass, TMO, Clues, DU/LP)

EXPERIENCE

PHH Mortgage, Mount Laurel, NJ 2010 - Present

Quality Control Compliance Analyst III

• Research underwriting and compliance findings on Conventional and Government and attend conference calls with leadership to respond to findings from Clients, Investors, and Regulatory Bodies.

• Review compliance documents, property documents, such as Title, Flood Insurance, Home Owner’s Insurance, Appraisals, etc, for compliance with PHH, Client, Investor, State, Federal and Regulatory guidelines.

• Meet established Production, Quality and turnaround times on a consistent basis.

SVS Group, Des Moines, IA 2008 - 2010

Consumer Loan Underwriter III

• Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines.

• Underwriting functions included reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value); evaluating; examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; implementing fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision.

Beal Bank, Plano, TX 2007 - 2008

Forensic/Risk Underwriter

• Perform detailed reviews of closed loans, including but not limited to re-underwriting credit, appraisal analysis, re-verification of loan documents, reviewing loan files for completeness and accuracy, analyzing all credit documents, and ensure loans met the terms of any mortgage insurance policies and formulated arguments for the repurchase of a mortgage loan or defend against repurchase claims. .

Indy Mac Bank, Irving, TX 2006 – 2007

Sr. Mortgage Underwriter

• Responsible to ensure the quality of purchase money and refinance residential mortgage applications by analyzing, underwriting and approving/denying applications according to credit standards of the Corporation, secondary market and private investors.

• Analyzed appraisals in accordance with acceptable appraisal practices to determine sufficiency of collateral; recognize and analyze risk potential of loan applications; and determine relevance of any factors to mitigate risk.

Green Pointe Mortgage, Plano, TX 2005 – 2006

Mortgage Underwriter

• Responsible for assessing all aspects of loan underwriting guidelines and reviewing loan data against standards applicable to the purchase and sale of closed loans.

• Identify potential risk, fraud, or misrepresentation in mortgage loan transactions comparing loan file documents third party resources.

RPI , New York, NY 2002 – 2005

Mortgage Underwriter

• Researched and identified underwriting compliance issues, that may not be related to the organizations best interests, with the purpose of selection, securitization and purchase of new loans and provided an analysis of findings, detailing issues of the loans reviewed and provide a recommendation for purchase or items to be corrected prior to purchase.

Sebring Capital, Plano, TX 1999 – 2002

Mortgage Underwriter

• Reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines.

First Plus Financial, Dallas, TX 1997 – 1999

Sr. Mortgage Processor/Closer

• Processed and closed documents for conventional loans, secondary market loans and home equity products. Work with customers, realtors and any outside firms necessary to expedite loan closings and provide quality customer service.

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