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Donna
US-Arizona-Phoenix
10+ yrs
Yes
Yes
Senior Mortgage Underwriter
I am currently unemployed and am looking for a position of employment still in the mortgage industry or to obtain employment in a new career field. I have over 10 years of employment as a mortgage underwriter. I have also held positions as an Underwriting Manager, Processing and Closing Manager,recently as a Contract Underwriter with a couple mortgage insurance companies. I am in need of a job. I am open to salary amounts and I am able to do some traveling if necessary. Please review my resume in hopes of obtaining employment.
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Results Oriented
• Pipeline Management Customer Service Manager-Call Center
• Organized Training and Development
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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
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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.
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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
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