Mortgage Professional/ Manager
Resume:
Dorothy Spradley
Sandy Springs Ga. 30350
***************@*****.***
CAREER SUMMARY
A professional team player with excellent, customer service, strong analytical, problem solving, and negotiation
skills.
Adaptable to deadlines, performs well under pressure, extremely detail oriented and highly organized. Proficient
Knowledge of Microsoft products, excel, word and outlook; Proficient with Frontline and Secondary marketing.
Experience:
RR DONNELLY 07/09 – 01/11
Contract QC Forensic Underwriter
• Performed a post-close forensic analysis of loan files for completeness and accuracy, analyzing credit document, mortgage applications, credit history and income documents, title documents, appraisals and all other applicable required documents.
• Adhere to all client/lender policies and procedures, in addition to federal, state and/or municipal laws and regulations. Identify significant findings resulting from issues with originator’s underlying business practices, underwriting and/or fraud exposure.
• Multi task between different analytical projects
• Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines.
EBERL’S 05/08 – 06/09
Virtual Loss Mitigation Specialist and Due Diligence Underwriter
• Provided assistance to homeowners in default or who are in imminent danger of going into default by analyzing financial documentation to determine most effective Loss Mitigation option which included repayment plans, forbearance plans, loan modifications, pre-foreclosure short sales, deed-in lieu of foreclosure, cash reinstatements and FHA/HUD partial claims.
• Referred homeowners to modification division once they have met the qualifications and were approved.
• Performed Due Diligence by conducting a loan level review on all of the loans being purchased by an investor in a pool.
• Reviewed a portfolio and conducted a risk analysis for each loan.
Re-underwrote the loans to insure that the loans are investment quality and underwritten according to lender
guidelines and containing no material misrepresentation.
FIRST CONSUMER MORTGAGE 11/07 - 03/08
Underwriter
• Performed manual underwriting on loan details and documentation, while recording findings of any errors or deviations to processes.
• Reviewed the loan for income, credit, asset and appraisal to verify correct income, value, and debt ratios are supported.
• Confirm that the loan was underwritten accordance with the product guidelines and credit policy requirements.
• Compare verifications of all credit, appraisal, asset and income documents for inconsistency.
• Review legal and regulatory compliance documents for existence and accuracy.
THE CLAYTON GROUP 06/06- 09/07
Contract Underwriter
• Performed manual audits and re-verified the documentation in mortgage files on closed mortgage loans that were being purchased in pools by different investors. Remained current on client’s and/or secondary market investor requirements and pricing policies and ensure compliance
• Reviewed and manually re-underwrote collateral documents for accuracy and completeness to insure that the loans are of investment quality
According to lender guidelines and in compliance with all applicable federal and state laws including Fannie Mae, Freddie Mac, alternative Documentation (ALT-A), Jumbo
OPUS 03/05-06/06
Contract Underwriter
• Responsible for manual underwriting Conventional and FHA loans according to HUD, FNMA and FHLMC guidelines. Made decision based on judgment and the risk involved. Analyze credit files of applicants for approvals or denial’s.
• Review and evaluate loan packages submitted for approval. Maintain good working relationships with appropriate contacts and proper turn time on files.
• Review appraisals & Title commitments. Review incoming documentation within 24 hours of receipt
CENTEX HOME EQUITY 11/01- 02/05
Underwriter
• Manual underwrote Conventional & FHA loans, A-D paper, according to lender product guidelines Made decisions based on judgment and the risk involved. Ensure value and accuracy of appraisal.
• Review conditions and exception requests; Manual underwriting and input loans for automated underwriting via DU, LP, and Asset Wise.
• Assist team members in completions of task and assignments. Maintained a good working relationship with appropriate contacts and proper turn time on files.
CENTEX HOME EQUITY 3/98-11/01
Origination /Processor Supervisor
• Process Conventional, FHA and VA loans. Ordered appraisals, Title Commitments, VOR and VOE’s on all files. Review HUD-1 for funding with title companies. Utilize LP and DU system on the web.
• Provide guidance to all processors regarding applicable procedures and loan file requirements. Maintain current pipeline reports, train new processors.
• Daily interaction with Loan Officers and Customers to ensure all follow-up documentation is received and accurate.
• Apply underwriting standards of our various investors (Fannie Mae, Freddie Mac, FHA, VA, etc.) to each transaction to ensure that borrowers are put into a loan program for which they qualify. This includes analyzing people’s credit histories to ensure that they are eligible for our products
• Comply with mortgage industry regulations, including the Fair Credit Reporting Act, the Real Estate Settlement
Procedures Act, the Community Reinvestment Act, Truth-in-Lending laws, etc.
Education Southern Methodist University B.A. Degree, Advertising & Marketing, 2006
Nassau Community College Accounting 1994
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