Mortgage Loan Processor/Pre-Underwriter Resume
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Skill Summary
o Ability to maintain advanced knowledge of an employers requirements, policies and procedures
o Proficient in dispute resolution
o Exceptional organizational, analytical, verbal and managerial skills
o Ability to foster a strong team working environment
o Ability to meet deadlines, goals and objectives in a timely manner, ability to multi-task, organize and prioritize work and maintain confidentiality
o Solid computer skills
o Proficient in data management, analysis and daily reporting
o Skilled underwriter with extensive background in and thorough knowledge of Mortgage Loan operations, underwriting guidelines, policies and procedures in multiple departments
o Experienced in assisting with developing and implementing competitive loan programs and services
o Developed job aides to assist housing advisors and junior underwriters to complete tasks effectively and efficiently
o Conducted daily staff meetings for housing advisors and junior underwriters to update on new policy changes to process files efficiently
Experience
Louisiana Real Estate Mortgage (Temporary Job) / to /
Loan Processor and Pre-Underwriter
o Process mortgage loan applications for the Baton Rouge, Shreveport and Lafayette offices
o Pre-underwrite loan applications to determine best loan program and investor, lock rates and gather all documentation required for loan approval and submit to investor
o Worked with + investors on a daily basis
o Manage, train and direct all junior loan processors
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SN Servicing Corporation (Temporary job thru Frazee Recruiting Consultants) / to /
Asset Manager for Default Management Department
o Primary responsibilities include maintaining a diverse loan portfolio of accounts
o Offer workout options to include repayment plans, forbearance agreements, loan modifications, short payoffs and deeds in lieu of foreclosure
o Expedite collection on accounts, foreclosure on/repossession of collateral and monitoring bankruptcy proceedings
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Quadel Housing Services (The Road Home Program) / to /
Team Lead/Manager for Single Family Housing Advisors
o Managed daily operations of housing advisors for Hurricanes Katrina and Rita for all grant application processing issues
o Managed and approved critical documentation necessary for applicant file processing and closure
o Reduced error rate in applicants files within the first month of taking ownership of team
o Helped develop and revise current policies to expedite file processing
o Managed daily HR issues of team members including reporting and monitoring work performance, attendance scheduling and issues, performance review, reprimands and recommendations for discharge
o Collected, analyzed and reported data for distribution to senior management and clients
o Performed administrative duties (meeting, planning and follow ups)
o Interacted with various internal and external customers to identify, develop and implement program requirements
o Assisted with Risk Management (identification, assessment, mitigation and tracking)
GMFS, LLC Baton Rouge, LA / to /
Senior Mortgage Loan Underwriter/FHA Certified Underwriter
o FHA certified Direct Endorsement Underwriter, Chums ID
o Proficient with numerous AUS Underwriting Systems
o Approved PMI Underwriter for several companies
o Analyzing and underwriting mortgage loans for the Retail and Wholesale divisions. Proficient skill and knowledge in the following: FHA, Conforming, Alt A and sub-prime areas
o Underwrite and maintain guidelines for + investors at a time
o Assisted with developing and implementing new training guidelines for loan officers to continually increase and improve production, which includes the Atlanta office
o Assist Loan Officers in structuring of loans, offer guidance with rate sheets and pricing of loans, underwriting guidelines, understanding all credit and collateral issues and file documentation
o Experienced in Wholesale Lending division analyzing and underwriting mortgage loans for correspondent lending divisions, which included extensive work with GMFS District Directors, CRR’s, outside loan officers, mortgage brokers and processors
o Worked closely with Post Closing Department to ensure files had sufficient documentation for loan sale
o Assisted Closing Department with approval of HUD Statements, instructing closing agents on guidelines and procedures and worked with customers to resolve any problems arising at or prior to closing
o Tracked loans to our Loan Sales Department to ensure that file was correctly documented, priced and stacked for investor approval
o Assisted processors in all areas to prep and document file for underwriting
o Analyzed & underwrote all closed loan purchases, ensuring guidelines were met and all documents were in compliance
Ginger Mae Mortgage (Division of United Companies Financial Corp. Baton Rouge, LA) Mortgage Loan Underwriter / to /
o Analyzing and underwriting mortgage loans in conjunction with correspondent lending institutions. Maintain all communication and training with correspondent lenders to increase and improve loan production. Review all credit for prospective appraisers and closing agents and forward recommendations. Price all loans in pipeline through evaluation of credit and collateral issues to maintain profitability of company’s loan portfolio. Supervise and guide loan processor and field personnel. Single signature underwriting authority for all DTI and LTV exceptions and PMI carriers.
o Responsible for implementation of underwriting procedures for the start up of the Retail Lending Division. Implemented pipeline management program for corresponding areas, with a successful increase in production of %
o Traveled frequently to train correspondents for the Retail Division, whose primary focus was third party originations
o Traveled extensively with Southern Mortgage Acquisitions, a division of UCLC, whose dedication was to bulk purchases. Responsible for all senior underwriting decisions
o Extensive experience with processing files and Customer Relationship Representative prior to accepting full time underwriting position
Secor Bank, New Orleans, LA / to /
Supervisor/Processor/Loan Originator
o Train all loan processors in region. Supervise secretary and receptionist. Provide rate quotations and screening to prospective borrowers. Supervise processing of all files to completion. Prepare and maintain monthly closing and pipeline reports. Originate all loans on a walk in basis. Assist loan originators in providing customer service and maintain prospect files. Built credit and character profiles on all builders and contractors in construction division. Maintain FNMA and FHA guidelines.
o Assisted management in branch office automation through the implementation of Mortgage Ware Software in . Created and implemented new records system with branch office. Designed new forms to streamline request of information necessary to underwrite mortgage loans
Designs by Jodi / to present
o Design custom jewelry, handmade soaps and lotions by request. Owned and operated by myself
Education
o Currently attending Prep School for the Louisiana Notary Exam Anticipated certification date of December,
o Graduated Tara High School, Baton Rouge, LA
Special Courses
o Various FHA and VA Seminars
o Residential Mortgage Banking Basics, MBA
o Underwriting Low to Moderate Income Borrowers
o Professional Selling Skills
o Underwriting Rural Properties
o General Appraisal Principles
o TPG—Mortgage Fraud, Prevention and Detection
o Radian National Training—identifying fraud in the loan process
o Various and numerous computer training classes
o FHA Direct Endorsement Underwriting
o FHA Advanced Underwriting
o FHA Appraisal Principals
Personal Interests
o CASA—Court Appointed Special Advocate Volunteer (training not yet completed)
o ASPCA and Humane Society Advocate and Volunteer
o Bike riding, landscape and garden designing
o Mary Kay Independent Beauty Consultant (www.marykay.com/jodit)
References available upon request
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