Senior Mortgage Underwriter

Posted on: 2008-06-18

Donna Marie Smercak 4723 E. Desert Wind Drive, Phoenix, AZ 85044 (480) 940-4416 Home—(480) 332-6347 Cell Email address: [email protected] _____________________________________________________________________________________ Professional Profiles Conscientious well organized Senior Financial Service Professional with demonstrated success in Underwriting coupled with 10 plus years within mid-management including but not limited to, Processing, Closing and Underwriting within the Mortgage/ Banking industry. Team oriented and able to mentor, direct and support a diverse group of individuals. • Crisis Management Problem Solving • Team Building Operations / Productivity Management • Coach and Mentoring Results Oriented • Pipeline Management Customer Service Manager-Call Center • Organized Training and Development ____________________________________________________________________________ Technical Qualifications • Proven Analytical skills Fraud Prevention • Proficient in Desktop Underwriting Lending Limit 650k to 1 millions • Proficient in Loan Prospector Knowledge of various Computer Systems • Common Sense Underwriting Proficient in Appraisal Review • Expertise in Conventional, Non Conventional High percentage of Quality loans sold to investor ______________________________________________________________________________ Experience Profile 12/98 to 06/08 Contract Underwriting---Assignments Wells Fargo, North American Mortgage, Bank United, PMI, RMIC Alternative Lending, Bank One, SCME, UMAC, Security National and CSI • FNMA/FHLC knowledge • Performed loan underwriting on Conform and Non-Conforming Loans • A, Alt A and Subprime experience • Ability to multitask workload in a fast-pace environment. • Provide informational support and mentoring to processors and closers concerning program guidelines and procedures. • Wells Fargo Home Equity—HELOC/HELOAN delegated underwriting • Signing Authority 650k to 1m. • Trained and Mentored New Contract Underwriter with Wells Fargo. • Recognized as a resource person, problem solver, trouble shooter. • Wholesale and Retail assignments • 1st and 2nd mortgages • Underwrote to investor’s programs: SISA, SIVA, NO DOC, NO RATIO and FULL DOC. Investor’s included, Countrywide, Wells Fargo, Chase, GreenPoint, Aurora and EMC and including other investor’s. • Trained and Mentored New Contract Underwriter with Wells Fargo Page 2 Donna Marie Smercak 01/95-12/98 The Associates Home Equity Services- Phoenix, AZ Team Manager/Senior Underwriter Manager • Improved overall acceptable credit quality by 50% in a two year period. • Achieved 85% increase in approval rate over a 3 month period with new sales team. • Developed and implemented new operational procedure to improve productivity. • Implemented and Design training manuals for entry level personnel and experienced professionals to ensure the highest level of training and stellar customer service. • Directed and managed credit underwriting, loan processing, loan closing / funding, and other support functions with emphasis on operations. _____________________________________________________________________ Software • DU/LP • LPS/CPI • Clout • Microsoft Package (Word, Excel, Access, Power Point) • Knowledge of various Computer Systems Education 1991-1992 Berkeley Institute - White Plains, NY • Paralegal Certificate • President's/Dean’s List Award