Mortgage Underwriter Customer Service
Resume:
Donna Taylor
Professional Mortgage Underwriter that is driven, detail oriented, organized,& Courteous Zebulon, NC 27597
*****.**********@*****.***
• Reliable
• Multitasking
• Superior Customer Service
• Detail oriented
• Organized
• Feverishly passionate for a career change. Years of experience in finance, mortgage, banking, management. This position I feel would be perfect for me, as I love being creative but yet disciplined to follow instructions as per the job description.
• Excellent Time Management skills
Authorized to work in the US for any employer
Work Experience
Mortgage Underwriter DE CERTIFIED
Lakeview Loan Servicing - Remote
March 2021 to Present
Senior Mortgage Underwriter DE Certified
• Made underwriting decisions for loans based on conditions
• Processed income / credit documentation to determine ability to repay loan obligations
• Made accurate decisions based on borrowers documentation and communicated loan decisions, explanations, for approvals and denials
• Made sure work in accordance with Wells Fargo policies, procedures, and guidelines and applicable state and federal regulations
• 100% accuracy in finalizing HUD-1 closing / settlement statements
• Signing authority up to one million dollars
• Handled evaluating and verifying mortgage loan applications
• Underwrote FHA, And FHA Streamline Refinance Transactions with overlays on guidelines.
• Reviews and comparisons of the loan; investor, product lines, promotional materials,
• Participates in regular and required training and has the responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection and determent of money laundering or other unlawful activities.
Accomplishments
• 100% Accuracy on all Underwriting continuing education and RESPA regulations/Diplomas Mortgage Underwriter Manager DE Certified /Property Manager Parrish Realty/Little River Investments - Zebulon, NC October 2018 to March 2021
• Residential & Commercial Real Estate
• Mortgage Underwriter for private investor
• Property Manager- in owners absence
• Mortgage Underwriter DE Certified
Business Finance Manager/Accounting Manager
Bobby's Garage LLC/ BDL Auto Sales - Nashville, NC January 2018 to October 2018
Manage day-to-day accounting operations and ensure that there is a consistent process backup in place for every critical operation
• Create new internal accounting corporate policies and maintain existing policies
• Monitor emerging technology to determine ways to automate the accounting process without sacrificing accuracy and accountability
• Develop monthly and quarterly accounting reports for the management and executive teams
• Implement and monitor the month, quarter and year-end closeout accounting schedules Assist in closing sales
• Obtain financing for transaction
• Prepare and complete all finance and DMV documentation
• Sale of additional product and services
• Insure all loans are funded with outside lending institutions or in-house finance and adhere to all state federal lending regulations
• Development and hosting of website and business social media relations. Contractor/Real Estate Inspector-Part Time
The Real Estate Solutions Group
June 2017 to December 2017
Complete EZ inspection reports for each home interior/exterior inspections, follow each lender instructions on their specifics for guidelines, regulations, and compliance. Take the number and type of photos requested for each order and upload all documentation and photos electronically. Contract Forensic/ Fraud QC Underwriter/Processor
Fusion Recruiting Services - Raleigh, NC
October 2014 to December 2017
Responsibilities
Employed as a contract/temporary Mortgage Processor/Underwriter positions with various mortgage companies.
Depending upon which temporary role the assignment was for my responsibilities varied. Common responsibilities included:
Extensive experience with running DU/LP findings. Ability to research, read and correctly apply agency and company guidelines. Recent experience working with paperless production environment. Superior customer services skills. Attention to detail, strong time management and organizational skills. Excellent analytical and decision making skills.
Consumer Mortgage Loan Underwriter III
Wells Fargo - Raleigh, NC
January 2012 to October 2014
Responsibilities
Extensive experience with AU, DU, DE underwriting programs
• Ran finding through DU, AU and LP for underwriting and created condition lists based on findings
• Made underwriting decisions for loans based on conditions
• Processed income / credit documentation to determine ability to repay loan obligations
• Made accurate decisions based on borrowers documentation and communicated loan decisions, explanations, for approvals and denials
• Made sure work in accordance with Wells Fargo policies, procedures, and guidelines and applicable state and federal regulations
• 100% accuracy in finalizing HUD-1 closing / settlement statements
• Signing authority up to one million dollars
• Handled evaluating and verifying mortgage loan applications
• Underwrote Conventional, FHA, VA and Fannie Mae
* Reviews and comparisons of the loan; investor, product lines, promotional materials,
* Participates in regular and required training and has the responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection and determent of money laundering or other unlawful activities.
Accomplishments
• 100% Accuracy on all Underwriting continuing education and RESPA regulations/Diplomas
• Received 15 awards for 100% accuracy for Quality of loan files
* Received 14 Customer Service Awards
Branch Manager/Loan Officer/Underwriter
HomeFront Mortgage - Summerville, SC
July 2009 to February 2011
Responsibilities
Branch Management; including manager of staff; accounting; payroll; compliance officer. Extensive experience with AU, DU, DE underwriting programs
• Ran finding through DU, AU and LP for underwriting and created condition lists based on findings
• Made underwriting decisions for loans based on conditions
• Processed income / credit documentation to determine ability to repay loan obligations
• Made accurate decisions based on borrowers documentation and communicated loan decisions, explanations, for approvals and denials
• Made sure work in accordance with Home Front Mortgage policies, procedures, and guidelines and applicable state and federal regulations
• 100% accuracy in finalizing HUD-1 closing / settlement statements
• Signing authority up to one million dollars
• Evaluating and verifying mortgage loan applications: maintains an awareness of competitive trends that may influence product offerings, services, and customer needs.
* Participates in required training and has the responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection and determent of money laundering or other unlawful activities.
• Underwrote Conventional, FHA, VA and Fannie Mae loans Accomplishments
I impacted and accomplished sales and customer service awards for sales, quality, and quantity on a continual monthly basis. Maintained all federal and state regulation and compliance requirements with continuing education from the American Bankers Association, and Mortgage Loan Originator License Senior Mortgage / Credit Counselor / Loan Negotiator / Housing Coordinator Credit Counselor / Loan Negotiator / Housing Coordinator Family Services, Incorporated
July 2008 to July 2009
• Responsibilities included counseling clients that are in mortgage default / foreclosure
• Gather, review, and analyze client documents, complete hardship loan packages to mortgage lenders to negotiate mortgage loans for modifications, forbearance, deeds in lieu, short sales, and moratoriums
• Extensive consumer loan experience processing each file for uploading to Neighbor works, and FMC for review of grant payments to our non-profit agency
• Packaging and processing of each client files for outside counseling to attorneys
• Extensive client / customer relations with mortgage lenders, and clients
• Certified South Carolina Credit Counselor
Branch Manager/ Underwriter / Processor
Home Equity Mortgage
July 2006 to July 2008
Branch Management; including manager of staff; accounting; payroll; compliance officer. Underwrote FHA, VA, USDA, Residential Conforming / Non-Conforming, and Commercial
• Extensive consumer loan experience
• Responsible for origination, source, develop, package, underwrite, and close real estate/and commercial secured loans
• Dealt with FHA (DE), VA, Conventional, State Housing, Lot Land, Home Equity, and Commercial loan types
• Gathered, reviewed, and analyzed loan documents, maintain contact with customers throughout loan submission, approval, and funding processes
• 100% accuracy in finalizing HUD-1 closing documents
• Handled processing and stacking of all mortgage loan applications
• Ensured all work was in accordance with Home Equity Mortgage policies, procedures, and guidelines and applicable state and federal regulations
Accomplishments:
• Certified South Carolina Credit Counselor
Maintained all federal and state regulation and compliance requirements with continuing education from the American
Bankers Association, and Mortgage Loan Originator License
• Top producer for the company for twelve consecutive months
• Managing a staff of Loan Officers
• Produced my own Marketing materials to become Top producer for the company for seven consecutive months
ACCOMPLISHMENTS:
I positively impacted and accomplished sales and customer service awards for sales, quality, and quantity on a continual monthly basis.
Senior Loan Officer
Common Point Financial
July 2005 to July 2006
Responsible for origination, source, develop, package, and close real estate secured loans FHA, VA, Conventional, State
Housing, Lot Land, Home Equity, and Commercial loan types
• Gathered, reviewed, and analyzed loan documents, maintain contact with customers throughout loan submission, approval, and funding processes
• Handled processing and stacking of all mortgage loan applications
• Performed all work in accordance with Common Point Financial, incorporated policies, procedures, and guidelines and applicable state and federal regulations Assistant Vice President/Branch Accounting Manager The Benchmark Group
January 2003 to January 2005
Managed all accounting functions of real estate / real estate appraisal firm
• Implemented new accounting functions to increase cash flow
• Managed accounts payable, accounts receivable, collections (commercial and residential), and payroll for 60 real estate appraisers
• Extensive contact with mortgage companies and banks Property Manager
Uniprop Fairway Properties
March 2002 to January 2003
Managed property for a community of manufactured / modular homes (approximately 300 home sites)
• Processed all lease and covenant documents for potential and current residents
• Processed all mortgage documents from start to finish, including all documents such as the credit application, VOI, VOE, bank statements, W-2's, tax returns Loan Officer /Branch Manager/Accounting Asst
Homes R US - Rocky Mount, NC
February 2000 to September 2001
Handled sales of manufactured and modular homes
• Managed consumer lending and all finance opportunities
• Determined by mortgage companies or banks for each client
• Ordered all specular homes for sales center and customers
• Consulted with a large variety of real estate, surveyors, and contractors Education
Associate in Criminal Justice
University of Phoenix - Phoenix, AZ
October 2009 to January 2010
Bachelor's in Accounting
Nash Community College - Rocky Mount, NC
September 1987 to June 1989
Southern Nash High School - Bailey, NC
August 1984 to June 1987
Skills
• SKILLS (10+ years)
• Bank Pro. Omni Mortgage Dox
• AS400/DOS based programming (4 years)
• Mapics
• DMS
• Real Track
• QuickBooks
• Calyx Point (10+ years)
• Byte Pro
• DU (10+ years)
• LP (10+ years)
• EMAGIC (10+ years)
• Quickbooks
• Payroll
• Bookkeeping
• accounting (10+ years)
• Accounts Payable (10+ years)
• Outlook (10+ years)
• Fair Housing Regulations (10+ years)
• Underwriting (10+ years)
• Loan Officer Experience (6 years)
• Loan Origination (10+ years)
• Tax Experience
• Bank Secrecy Act (10+ years)
• Banking (10+ years)
• Property Management (3 years)
• Analysis Skills (10+ years)
• Account Reconciliation http://www.linkedin.com/pub/donna-taylor/91/371/260 LINKS (10+ years)
• QuickBooks Enterprise/2016 (5 years)
• Encompass 360 Microsoft Office: Word (10+ years)
• Outlook (10+ years)
• Excel (4 years)
• PowerPoint
• Accounts Receivable
• Credit Analysis (10+ years)
• Continuous improvement (10+ years)
• Financial Analysis
• General Ledger Reconciliation
• Office Management (10+ years)
• Research
• Financial Report Writing
• Pricing (10+ years)
• Retail sales (10+ years)
• Windows (10+ years)
• Mortgage servicing
• Financial services
• Loan processing
• Risk management
• Sales management
• SOX
• Internal Audits
• Bank Reconciliation
• Typing
• Writing skills
• Time management
• Fraud
Certifications and Licenses
DE Certified
Present
Certified Fraud Examiner
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