Mortgage Underwriter/Mortgage Operations Resumes in US-Georgia: Tremayne

Mortgage Underwriter/Mortgage Operations Resume

Contact Candidate

Name:

Tremayne

Location:

US-Georgia

Experience:

Most Recent Job Title:

Mortgage Underwriter/Mortgage Operations

Objective:

Resume Text:

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Mortgage Underwriting / Due Diligence /Quality Control

- Seasoned underwriting expert with a nine-year track record of success in the mortgage industry combined with broad understanding of legal regulatory, economic, competitive and technological environments. Adept at maintaining performance standards, reporting, and review processes to ensure accuracy and compliance. Provide a solutions-based approach to sales that focuses on resolving client needs and creating win-win situations.

- Thrives in managing multiple projects with comprehensive knowledge of credit and income types, fraud identification, banking and finance, including underwriting trends. Aptitude in quickly resolving conflicts by identifying and escalating issues related to review and disposition of funding suspense and underwriting conditions.

- Proficient in underwriting loans using automated underwriting systems (AUS) which include but not limited to DU, LP, CLUES, CLOUT and ZIPPY. In-depth skills and knowledge in performing expanded investigations to validate credit, confirm occupancy and rapidly identify misrepresented employment.

- Organized, focused and motivational leader and change initiator, with demonstrated commitment to service excellence and continuous professional growth. Technical expertise includes Excel, MS Word, WordPerfect, AS/400, Uniform, MortgageWare, Calyx Gallagher, IDS.6, TMO and other proprietary software and applications.

AREAS OF EXPERTISE

- Scratch and Dent Loan Reviews

- Put Back Loan Reviews

- Non-performing Loan Reviews

- Risk Management

- Quality Assurance

- Regulatory Compliance

- Staff Supervision

- Client Management

- Critical Problem-Solving

- Issue Resolution

- Leadership

- Data & Client Confidentiality

- Strategic Planning

- Loan Underwriting

- Financial Analysis

- Process Improvement

PROFESSIONAL EXPERIENCE

THE CLAYTON GROUP - Shelton, CT

Consultant (Non-performing Underwriter) 2008-Present

Oversee all functions and activities associated in providing broad lines of consulting services to Freddie Mac, one of the country’s biggest buyers of home mortgages. Conduct extended investigations as deemed appropriate to determine any credit occupancy, and /or employment false misinterpretation. Sustain consulting services Apply diagnosed risks in generating repurchase letters for potentially fraudulent or incompliant loans. Analytical models includes the evaluation of Seller Master Agreement/Commitment

Highlights:

- Projected an increase in underwriting QC accounts to $1.7 billion in loans with a 56% repurchase ratio

- Efficiently managed an underwriting non-performing pipeline of $4 billion.

- Remained accurate in validating credit, confirming occupancy and rapidly defining misinterpreted employment

Project Lead 2004-2008

Spearhead and streamline daily operations, and act as the designated key leader in directing and maintaining the integrity of Underwriting and Compliance. Act as the focal point of contact for all communication, inquiries and leadership posed by the underwriting team. Oversee and ensure efficiency on all activities to guarantee accuracy. Provide strategic direction to a team of 25 contract underwriters and ensure timely and accurate completion of all transactions.

Highlights:

- Consistently provided the highest level of service and quality assurance on secondary market bulk purchases ranging from $100M to $1B.

- Earned fast-tracked promotion from underwriter to project lead for exemplary job performance and leadership.

- Maintained a record of surpassing job performance standards using incentive programs, positive formal evaluations and other motivational strategies.

- Significantly optimized company growth through an innate ability to nurture partnerships with lenders and investors.

Consultant (Transaction Management / Due Diligence Management ) 2005-2006

Managed a broad range of duties related to providing consulting services to JPMorgan Chase. Oversaw and realigned all aspects of review and interactions with due diligence transaction parties and assessing risk management. Thoroughly examined collection comments and pay histories for all non-performing, “scratch and dent”, “put back” and REO loans. Oversaw and ensured accuracy in the comparison and approval review of all mortgage sellers underwriting guidelines.

Highlights:

- Performed the systematic protocol of “scratch and dent” and “put back” processes that resulted to reconciliations of more than $90M in loans and achieving a notable 47% “put back” ratio.

- Monitored and guaranteed efficiency in executing transaction due diligence while maintaining proper compliance with state and federal regulatory laws.

Underwriter 2002-2004

Played an important role in the examination, approval, adjustment and implementation of loan applications. Reviewed and analyzed loan applications, rejecting adverse risks and achieving an impressive and consistent minimal loss ratio. Established and strengthened relationships with escrow agents, title companies and loan brokers to achieve loan requirements for funding.

Highlights:

- Optimized underwriting operations by consistently applying the highest working knowledge of Fannie Mae and Freddie Mac concepts of wholesale and retail loans including secondary marketing.

- Prevented unnecessary expenses and enabled the company to save significant amount in potential losses by conducting critical analysis of all loans and identifying potentially fraudulent activities.

- Enforced compliance with all regulatory rules in due diligence and collateral liquidation procedures, and provided recommendations to management for process improvement.

PRIOR EXPERIENCE

Underwriter - Southstar Funding, Inc., Atlanta, GA (2001-2002)

Underwriter II - Greenpoint Mortgage Funding Inc., Atlanta, GA (1999-2001)

EDUCATION

MORTGAGE LICENSE (Mortgage Bankers Association of America)

MASTER OF SCIENCE IN SCIENCE EDUCATION (Emory University, Atlanta, GA)

BACHELOR OF SCIENCE IN EDUCATION (Brown University, Providence, RI)

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