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| Desired Industry: Banking/Mortgage |
SpiderID: 21360 |
| Desired Job Location: Winston-Salem, North Carolina |
Date Posted: 6/19/2008 |
| Type of Position: Full-Time Permanent |
Availability Date: Available Immediately |
| Desired Wage: |
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U.S. Work Authorization: Yes |
| Job Level: Experienced with over 2 years experience |
Willing to Travel: Yes, Less Than 25% |
| Highest Degree Attained: Masters |
Willing to Relocate: No |
Objective:
Experienced business professional offering over twenty years progressively responsible experience in mortgage and training settings; offering management, underwriting, quality assurance, and training experience, a business degree with a management concentration, and an MBA.
Experience:
Triad Guaranty Insurance, Winston-Salem, NC 2007 ˇV 2008
Sr. Quality Assurance Investigator
Responsible for performing Quality Assurance reviews of loans reported delinquent within the first 12 months of effective mortgage insurance coverage. Review potential for misrepresentation and/or fraud. Investigate reasons for default including authenticity of documentation and compliance to underwriting standards and guidelines. Summarize findings in a concise format and communicate in writing to Management.
„X Performed complex research and analysis of file to determine cause of default
„X Identified source of suspected fraud
„X Monitored investigation trends
„X Researched and analyzed special targeted reviews and investigations to identify negative trends and issues of performance
„X Documented material negative impact of underwriting discrepancies
„X Wrote rescission recommendation based on adverse affect of findings of misrepresentation
„X Wrote response for lenderˇ¦s appeal to rescission
Summit Credit Union, Greensboro, NC 2006 ˇV 2007
Mortgage Loan Manager
Responsible for the day-to-day operation of the lending services department including compliance with the relevant state and federal consumer lending laws. Monitor and analyze economic conditions affecting the credit union lending department and recommend appropriate action.
„X Ensured that loan policies, procedures, services, and products meet federal and state regulations, as well as investor requirements.
„X Established budgets for the lending department and monitor progress with emphasis on revenue generation and forced savings.
„X Maintained up-to-date knowledge of general economic conditions that may affect the credit union lending department.
„X Monitored and coordinate the discretionary and mandatory loan interest rate changes.
„X Developed, analyzed, and completed monthly loan reports.
„X Defined appropriate limits of authority for loan personnel and ensure adequate understanding of the credit unionˇ¦s policies and procedures.
Republic Mortgage Insurance Company, Winston-Salem, NC 1994 ˇV 2005
Training Lead 1998 ˇV 2005
Responsible for the education of RMIC associates and customers in order to achieve performance and quality standards.
„X Researched training needs and standards in order to identify key learning objectives.
„X Developed, designed, and delivered training content utilizing adult learning methodologies.
„X Evaluated training effectiveness through questionnaires and post-training tests as well as audit results and customer feedback; communicated results to appropriate groups.
„X Established resources for associate development and published curriculum and individual training plans for associatesˇ¦ development.
Underwriter 1994 - 1997
Responsible for insurance and contract underwriting "refer/caution" level loans utilizing Fannie Mae, Freddie Mac, Desktop Underwriter, Loan Prospector, mortgage insurance, and contract underwriting guidelines.
„X Made decisions to insure individuals with creditworthiness problems, including second review of the underwriterˇ¦s decisions on rejections or marginal loans.
„X Communicated decisions to clients and/or originators by completing the underwriterˇ¦s review.
„X Answered internal and external customerˇ¦s questions regarding technical underwriting information.
Education:
High Point University, High Point, NC 27262
Masters in Business Administration December 2005
GPA: 4.0
High Point University, High Point, NC 27262
Bachelor of Science in Business Administration, Management May 2003
GPA: 3.952
Surry Community College, Dobson, NC 27017
Associate in Applied Science ˇV Accounting May 1985
Skills:
„X Competent and developed knowledge of mortgage underwriting guidelines, eligibility requirements, and automated underwriting systems.
„X Skilled in analysis of complex mortgage transactions, credit reports, and appraisals.
„X Knowledgeable and experienced in quality assurance research and analysis for cause of default, compliance with underwriting standards, and existence of material misrepresentation in mortgage loans
„X Excellent writing skills with the ability to concisely convey audit file findings in a factual, non-subjective manner.
„X Proficient and developed expertise in all facets of course development, design, and delivery with a proven track record of enhancing the efficiency and cost effectiveness of such programs.
„X Good working knowledge of standard software applications with proficiency in Excel and Word.
„X Leadership style involves operating at a highly conceptual level, generating ideas and concepts, and then refining them; involves the ability to develop new concepts, identify potential problems, and create an orderly plan to implement those ideas.
Candidate Contact Information:
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