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

Wildwood, Mo ***** Home: 636-***-****

Cell: 636-***-****

E-mail: **.********@*****.***

JOANNA BEATRICE

Objective I would like to be an employee of a productive company that has the same visions and motivations as I do. I want to work as a team that produces results..

I am motivated, experienced and an independent employee who produces results. I am self motivated and have strong analytic skills.

Experience 2001–2008 Countrywide Home Loans ST Louis, Mo

 Underwriting/Customer Service Supervisor

 Managed up to 10 Underwriters, 6 Underwriting Associates, 4 Registration/Clerical Clerks and One Lock Desk Associates

 Managed Compliance and HMDA reporting to ensure accuracy.

 Maintained 24-48 hour turn time for both Underwriting and Processing and Registration of new Applications.

 Ensured timely correspondence with both internal and external customers to ensure Center Customer Service results remained above 90%.

 Improved Underwriting quality by implementing training and audit processes to ensure that the Underwriting Department remained under 4% deficient.

 Implemented training checklists for processors and registration clerks to ensure mandatory documents were maintained in file prior to closing and in front line registration.

 Proficient at analyzing financial statements, income documents, cash flows, appraisal review and assessing credit worthiness.

 Consistently called on to train new employees due to being well organized and possessing excellent interpersonal and financial service abilities.

 Expert understanding of Automated Underwriting Systems and learning of new systems.

 Excellent analytical, interpersonal and verbal/written communication skills.

 Hire and train underwriting, underwriting associates and registration teams.

 Set production goals for all departments based on individual and group achievements.

 Worked with Sales and Business Partners to structure and place individual loans.

 Have the ability to underwrite on an average of 5-8 conventional and Heloc loans per day that meet quality standards. In addition clear conditions that stay on a 24 hour turn time.

 Expert at lock procedures including reading rate sheets, pricing, and lock reports.

 Maintained clean Center pipeline by Using Aged Pipeline, Lock Expired Pipeline, Underwriting and Registration turn time pipeline.

1998-2001 Golds Gym Fairfield, Ca

Front Desk Supervisor

 Managed Staffing and Scheduling of Front Desk Staff

 Managed payroll, HR issues and performance goals

 Spinning Instructor and Personal Training

Education 1990-1991 Miami Dade Community College

1991-1992 Illinois State University

Interests Hockey, Exercising, Reading, Skiing, and My Dog

References Allyson Foley, Center Fulfillment Manager, Countrywide 314-***-****

Linda Quinto, VP Regional Fulfillment Manager, Countrywide 614-***-****

Corey Moore, Sales Manager, Countrywide 763-***-****

Mitch Allen, Sales Manager, Countrywide 314-***-****

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