CYNTHIA L. KELLY

**** ********* *****

Denver, CO 80247

303-***-**** home

916-***-**** cell

PROFESSIONAL OBJECTIVE

To utilize my extensive and in depth knowledge of mortgage lending operations, sales and marketing to increase growth and profitability for a reputable and established mortgage operation.

PROFESSIONAL EXPERIENCE

10/2011 thru Present – ALLONHILL – Denver, CO

Contract Underwriting Analyst

• Verify the presence, accuracy, and completeness of credit, appraisal, legal and compliance documents

• Underwrite and evaluate loans to multiple seller and servicer guidelines

• Analyze and interpret loan-related and closing documents

• Identify potential risk or misrepresentation in a mortgage loan transaction

• Compare loan file documents with third party data

• Identify potential credit exceptions relative to client lending guidelines and list compensating factors mitigating risk

• Current underwriting authority of $417K to approve purchase of correspondent loans

05/2011 thru 10/2011 – BANK OF AMERICA – Sacramento, CA

Mortgage Servicing Manager II – Loan Modification Division

• Proven ability to coach, train, evaluate, and manage staff in a production driven environment

• Adaptability to manage multiple tasks/projects within deadline and budget constraints

• Provide support to staff and management for escalated problem resolution

• Compile and evaluate departmental performance related reports

• Manage reports to keep aged loans below 15 days

• In depth knowledge of governing rules, regulations and processes to minimize losses and legal issues

• Positions in department being eliminated due to over-staffing

03/2007 thru 05/2011 - THE GOLDEN 1 CREDIT UNION / PMC BANCORP – Sacramento, CA

Wholesale Account Executive (FNMA, FHLMC, FHA, VA, Jumbo, USDA)

• Top producing Account Executive for over 4 years with 70+% Pull Thru Ratio

• Successfully developed and executed a business plan to establish and retain broker relationships for a new wholesale division

• Pre-underwrite and structure loans for mortgage brokers to increase approval ratios

• Ability to convert 90% of suspended files to approved files due to Underwriting background

• Highly respected by internal and external customers due to strong service commitment, ability to provide timely and accurate responses to scenarios and technical questions, and successful conflict resolution abilities

• Conduct field training on products (FNMA, FHLMC, Portfolio, Jumbo, FHA/VA, HomePath, and USDA), rates and pricing, DataTrak, AUS systems, and all regulatory changes

• Plan and organize training seminars, community events, and participate in lender workshops

• Report market changes to management, perform comparisons of competitor programs and pricing, stay informed of industry updates and regulatory changes

• Position eliminated due to closure of Wholesale Division

08/2006 thru 12/2006 - MGIC / NATIONAL CITY MORTGAGE – Sacramento, CA

Contract Construction Underwriter III

• Provided construction loan underwriting services on site for MGIC at National City Mortgage

• Provided training to brokers and loan processors on construction loan programs

• My position was temporary and eliminated due to a slowdown in the market

10/2005 thru 07/2006 - UMPQUA BANK – Sacramento, CA

Senior Mortgage Underwriter/Team Lead (FNMA, FHLMC, Jumbo, Equity Lines, Portfolio, Construction)

• Successfully motivated Operations and Sales Departments to exceed established production goals

• Granted authority for manual and exception underwriting to improve production goals

• Consulted by management on complex loans due to ability to analyze complex tax returns, review atypical properties and appraisals, and resolve complicated title issues

• Position eliminated due to a merger

02/2005 thru 08/2005 - SCME MORTGAGE – Sacramento, CA

Senior Mortgage Underwriter (Alt-A)

• Utilized manual underwrites and exception authority to increase approval ratios

• Reduced risk and maintained loan quality utilizing various fraud detection techniques and services

• Resigned due to company’s financial problems resulting in missed payroll in August 2005

10/2003 thru 10/2004 - INDYMAC BANK - Dallas, TX

Senior Construction Underwriter/Team Lead

• Successful in establishing a construction lending underwriting team responsible for review of credit packages, analysis of the line item budgets and cost breakdowns, review of construction contracts and course of construction insurance policies in addition to performing builder approvals

• Increased underwriting capacity thru cross training and process improvements

• Utilized exception authority and performed manual underwrites

• Reduced risk and maintained loan quality utilizing various fraud detection techniques and services

11/1998 thru 09/2003 - CONTRACT PROCESSING & TRAINING SERVICE – Sacramento, CA

Self-Employed Contract Loan Processor and Trainer (FNMA, FHLMC, FHA, VA)

• Developed and executed a successful marketing plan for contract loan processing and training services

• Provided training to Loans Officers and Loan Processors on loan programs, automated underwriting systems, and loan processing and packaging

02/1996 thru 11/1998 - CENTRAL PACIFIC / SOURCE ONE MORTGAGE – Sacramento, CA

Underwriter / Operations & Sales Manager (FNMA, FHLMC, FHA, VA, Commercial)

• Successful in developing and executing a marketing plan focused on service, pricing, and networking

• Assist sales team in exceeding established goals

• Managed daily activities of sales, loan processing, closing, shipping, and insuring departments

• Increased profitability through effective pipeline and personnel management

• Responsible for determining staffing requirements to maintain established production goals

• Successful in development and implementation of reports to improve pipeline management

• Monitored daily department production activity and workflow ensuring productions deadlines were met

• Underwriting authority to $650K for DU/LP approved loans

• Successfully completed test cases for FHA Direct Endorsement Underwriter Designation

1984 thru 1996 - SAN JOAQUIN 1ST FEDERAL and CAPITAL FEDERAL SAVINGS - Sacramento, CA

Senior Loan Processor/Funder, Underwriter, Post-Closing Supervisor, Closing/Loan Service Manager

• Conventional and construction loan processing, doc drawing, funding, and underwriting

• Management of Processing, Closing, Post-Closing, and Loan Service Departments

• Achieved record low turnover in through effective team building

• Improved processes and procedures by identifying and resolving needs for process improvement

• Developed systems and reports for tracking collection and disbursement of impound accounts

• Balanced GL accounts for posted payments, fundings, payoffs, and investor reconciliation

• Responsible for processing construction draw requests and disbursements

• Responsible for processing assumptions, loan modifications, and foreclosure processing

• Maintained compliance manuals, prepared HMDA Reports, performed Quality Control audits

SOFTWARE KNOWLEDGE

DU, LP, E-Magic, DataTrak, CoreLogic, Calyx Point, Genesis, Pipeline, Loan Works, AS400, LaserPro, Microsoft Word, Excel, Outlook, Access, and Publisher

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