Gloria C. Small

*** ****** ******** **. ***** Rouge, La 70820 225-***-**** puz6ry@r.postjobfree.com

Underwriting/Credit Analysis/Auditing

PROFILE

Self-motivated, determined team player with progressive financial services experience. Excellent communication skills to interact successfully with all levels of personnel and to promote positive customer relations. Strong analytical and problem solving skills with a proven record of organization, attention to detail, achieving extreme deadlines, accomplishing multiple and challenging tasks, quickly grasping specialized information, and performing confidently in a high pressure, fast-paced environment. Experienced with various software applications including MS Word, Excel, Access, PowerPoint, Citrix, SharePoint, Outlook; DU, Asset-Wise Direct, Automated Approval System, Clues and Attachmate. Consistently demonstrate a high level of integrity, strong work ethic, and overall positive demeanor.

EXPERIENCE

Wells Fargo Home Mortgage – Baton Rouge, Louisiana (09/2010 to 05/2011)

Consumer Loan Underwriter 3

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

Dependent on division and complexity of underwriting, functions may include 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.

Determined decisions/exceptions beyond the Decisioning authority levels of less experienced underwriters; second level review; serving as a consultant/technical resource on difficult problems and questions.

May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager.

THE SHAW GROUP – Baton Rouge, Louisiana (11/2009 to 09/2010)

Transaction Processor 4

Performs assigned QA/QC tasks on assigned projects.

Responsible for all activities involving quality assurance and compliance with applicable regulatory requirements; conducts audits and reviews/analyze data and documentation .

Performs inspection and monitoring of project activities.

Performs sampling and testing activities.

Documents inspection, monitoring, sampling and testing activities.

Monitors quality assurance activities to determine conformance with corporate policy and procedures. Ensures the effective implementation of the quality program for assigned project tasks.

Provides periodic reports to the Director QA/QC, or the QA/QC Manager, on the effectiveness of the quality program for assigned tasks.

Develops competence in own area by performing routine work.

Contributes as a team player who is deadline driven and customer service oriented.

WELLS FARGO HOME MORTGAGE – Contract Mortgage Underwriter Assignment (6/2009)

ICF CONSULTING – RH Small Rental Program – Baton Rouge, Louisiana (12/3/2007 – 5/1/ 2009)

Underwriter II/Loan Review

Perform regular and timely evaluations of loan documentation submitted by lenders, assess project financial structure, feasibility, readiness, compliance and provide recommendations on awards to Office of Community Development

Provide technical assistance and interpretation of Rental Program rules and office procedures to landlords and participating lenders, review data from lenders and internal databases on verification and eligibility determinations and provide advice and assistance as needed

Recommend loans for acceptance or denial to Senior Loan Underwriter

Attend appeals/hearings as needed

Work according to established policies and procedures

Prepare reports on status of loan activities as required.

155 total Loan Summaries issued with 40% to closing after 1 year in the Rental Program

Consulting /Management Analyst

Collect, analyze and report Quality Assurance and Quality control data for distribution to senior management.

Develop and maintain QA and QC organization plans and schedules

Documentation and management of QA/QC date

Work as part of the QA and QC team to develop high quality services and products

WELLS FARGO HOME MORTGAGE – Baton Rouge, Louisiana (2003 – 2007)

Underwriter 3

Evaluated, approved and underwrote large, unusual and complex individual consumer requests up to $1,000,000.00 approval authority, and products within company and industry guidelines.

Examined credit, reviewed financial statements, evaluated appraisals and applicable ratios (i.e. Debt ratios, loan-to-value).

Examined transactions to ensure all documentation met compliance standards and federal and state regulations.

Prepared formal reports for review.

Implemented fraud detection techniques.

Assisted with re-negotiations of loans based on lending guidelines.

Contacted customers and partners to gather information to make appropriate decisions.

Explained rationale behind credit decisions and provided work direction and/or training to lower level team members.

Communicated performance feedback to supervisor/manager.

Key accomplishments: Underwrote the most loans on the team and entire site in 2006; consistently won performance based awards throughout my tenure; won a company trip in 2005 for Service Excellence.

AEGIS MORTGAGE CORPORATION – Baton Rouge, Louisiana (1997 – 2003)

Senior Underwriter

Reviewed and evaluated mortgage loan requests (including but not limited to credit, income documentation, appraisals, etc).

Analyzed credit file for applicants for approval or denial through Net Oxygen retail processing/underwriting system.

Provided customer service, trained personnel on products and guidelines at Retail Branches. Member of Quick Start Training Team. Worked with team members on special projects as assigned and managed the team during manager’s absence.

BANK ONE – Baton Rouge, Louisiana (1981-1997)

Consumer Loan Officer II, Customer Service Supervisor, Senior customer Service Representative,

Documentation Specialist, Branch Utility

Evaluated and made credit decisions for consumer and non-conforming loans utilizing the scorecard system.

Solicited and established depository accounts for potential and existing customers.

Reviewed loan documentation for completeness and accuracy identifying errors and missing documentation. Created and maintained collateral files for Louisiana.

Served as a backup during branch personnel absences.

Effectively utilized the following banking/lending systems: Marshall & IIsley deposit and loan systems, and Appro Systems Processing software.

EDUCATION & TRAINING

Computer Operator

Louisiana State University – Baton Rouge & Alexandria

University of Louisiana – Lafayette

Continuing Education: Mortgage Lending 101, Appraisal Evaluation, Fraud Detection, Code of Ethics, Fair and Responsible Lending, Regulations B, C and Z, Information Security, Privacy, High Trust Communication, and Customer Excellence

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