| Company Information | Company: | Banking And Finance CID-404291 | |
| Title: | Mortgages, Banking And Other Related Mortgage Products | ||
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| Description: | Shikila Ward 815 Chateau Lane Riverdale GA 30274 Home (678) 479-8296 Cell (678) 683-1604 msstward@live.com Summary of Qualifications: Over 7 years in the residential mortgage industry 2 Years FHA government underwriting experience with Desktop Underwriter 4 Years FHA processing experience within a retail (2yrs) and wholesale (2yrs) environment 4 Years underwriting experience with sub-prime, Alt-A and Conventional product knowledge and processing experience Thorough working knowledge of HUD, FNMA and Freddie Mac underwriting guidelines and compliance laws 2 years in compliance and quality control with emphasis on detail Detailed-oriented with the ability to work in a fast paced environment Aware of roles of processing, underwriting, closing, post-closing and interdependencies of each HMDA and Due diligence trained with the ability to read credit and mortgage history Various administrative duties to include faxing, filing, copying, scanning and phone support Experienced systems: Calyx 5.0, Calyx 5.2, Encompass, Colleague, OptisValue1, Loanworks1, Leretanet1, LP, LPS, DU, DO and DU, Genesis1, AS400, Empower and PC Lender Feb 2005-April 2009 Mid Atlantic Capital (company closed its doors) Conventional Mortgage Underwriter Primary contact to processors to inform loan officers and sales reps concerns regarding documentation issues and ensured timely responses of all loan files Perform underwriting duties in conjunction with the DE Underwriter on all FHA loans, as assigned by FHA Underwriter Skilled in managing operations and providing back-end support to all policy related issues Hands on experience in underwriting and credit control processes Frontline and backend underwriting, have signing authority up to 500K and post closing skills Rendered and communicated decisions on Conventional ,Sub-prime and Alt-A that most effectively assessed the risks present in the loan file, including but not limited to validity of information submitted to company and all risk factors related to credit, income, assets, appraisal, title, survey and compliance Verified loan file data, including DO/DU findings and calculations to determine loan compliance completed loan files in internal Loan Origination Systems and Automated Underwriting Applications Issued loan commitments prior to submission to direct lender Monitored rate locks on loans to ensure that program, product and other changes are consistent with LOS/AU and HUD terms and guidelines Audited legal packages to ensure compliance with investor and regulatory guidelines Provided regular status updates to processors and Branch Managers Reviewed suspended loan files to expedite resolution to obtain an approval Reviewed final loan docs for compliance and quality control Ensured that pipeline report reflects the most current status for active loan in process and update pipeline reports on a weekly basis Maintained current and relevant knowledge of all guidelines, processes and systems used within the area; including regulatory, statutory and investor related issues Feb 04-Feb 05 Ameriquest1 Mortgage Company Dunwoody, GA Loan Underwriter/Closer Pulled credit on all files to determine accurate loan program for borrower and determined pricing for loan based on loan to value and credit history Processed loan and performed underwriting duties on loans based on guidelines Cleared conditions submitted by processing department Coordinated closing, printed loan docs, escrowed tax/ hazard Performed funding on all loans and cleared funding exceptions Performed post closing duties on all files Dec 02- Oct 03 RPI (Washington Mutual Bank F.A) Contract Travel Pittsburgh, PA Loan Processor/ Closer Validate file Assemble file, review loan structure and analyze docs Ordered and review preliminary title, appraisal, loan docs, RESPA docs, flood certificates and hazard insurance Schedule Closing Clear closing conditions and sent subordinations Review docs for proper lien positions and insurance coverage Prepare closing docs; calculated taxes and escrows Correspond with borrowers, loan officers and title company and attorney offices through entire loan process Review credit report and original loan docs for compliance and discrepancies Review closed loan package for completeness and compliance Sent wires, retract wires and reviews and approved HUD-1 Corrected any closing issues occurring during settlement and ranked #3 top processor for funded loans per month Feb 2001- Jan 1998 Bank of America Tucker GA Loan Associate Processed loan in retail environment and sent disclosures Ordered preliminary title, appraisal and flood certificates Scheduled closing Review valuation with borrower and ensure loan docs met guidelines Performed quality control prior to funding and prior to close to loan Reviewed credit reports for accuracy and discrepancies with loan application Assigned files and work schedule to processors Verify employment, check escrows for previous accountability Instructed training classes for new processors, correspond with borrowers and loan officers Processed loan applications and sent disclosures Assisted with general office duties Attributes and Skills Good problem solving skills and ability to determine effective solutions Excellent analytical, interpersonal and verbal/written communication skills Strong customer service skills Ability to work effectively, accurately, with great attention to detail Ability to handle complicated situations with a positive, customer service driven answer when communicating with internal and external customers Excellent PC skills Individual should be able to work within a team environment Received award for various contests and deadlines met Received highest customer service award Received letter of Recommendation from Branch Manager of Ameriquest1 Received Employee of the Month from Mid Atlantic Capital BUSINESS REFERENCES: Delabia Cameron--CO WORKER 678-732-7297 W J FEARS- CO WORKER- 404-838-1650 Tiffany Wiggins- Branch Manager- Mid Atlantic -404-308-8504 |
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| Industry: | Mortgage Mortgage | ||
| Dates: | Modified: 06/08/2009 Added: 06/08/2009 | ||
| Rank: | 615 => This information appears current! | ||
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| Posting Information | |||
| Status: | Public | ||
| Keywords: | Underwriting Services | ||
| Territory: | United States of America, Georgia | ||
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| Contact Information | |||
| Name: | Shikila T Ward | ||
| Title: | Quality Control, Underwriting, Processing Quality Control, Underwriting, Processing | ||
| Email: | Email This contact | ||
| Address: | 815 Chateau Lane Riverdale Ga 30274 US | ||
| Phone: | 1-678-916-3018 Main: 1-678-683-1604 | ||
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