Cheryl Stanford

Work History

QC Analyst Underwriter

New Rez Caliber Home Loans

02.2020 - Current

Organized regular training sessions for team members to enhance their technical knowledge and skills, leading to better performance outcomes.
Ensured compliance with industry standards by staying up-to-date on relevant guidelines, policies, and regulations affecting QC operations.
Maintain adequacy of underwriting analysis, appropriateness of credit decisions, risk rating, and effectiveness of credit risk policies.
Developed and maintained quality assurance procedure documentation.
Strengthened compliance with industry standards, conducting regular audits of underwriting procedures.
Created and revised procedures, checklists and job aids to reduce errors.

Consumer Mortgage Underwriter

Amegy Bank

05.2018 - 01.2020

Responsible for complete thorough analyses of loan files to determine compliance with company and investor guidelines
Maintain sound knowledge of Fannie Mae DU guidelines Freddie Mac LP guidelines and risk assessment tools used to decision mortgage loans
Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
Reviewed appraisals and title documents to verify accuracy and completeness.
Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
Maintains company productivity level and complies with designated turnaround time for underwriting of files.
Approved or denied loans based on established criteria and underwriting guidelines.
Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.

Mortgage Underwriter Underwriting Team Lead

Genpact

09.2015 - 10.2017

Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
Reviewed appraisals and title documents to verify accuracy and completeness.
Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Maintain a sound knowledge of Fannie Mae guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans
Provide timely reporting to management regarding quality audit findings for the underwriting team
Monitor quality and production goals providing appropriate feedback to UW team regarding findings and standards.
Approved or denied loans based on established criteria and underwriting guidelines.
Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.

Mortgage Underwriter QC Analyst Loan Specialist

Bank of America Home Loans

04.2008 - 09.2015

Underwriting of conventional loans Non conforming Conforming requests, ensuring compliance with company guidelines and secondary market investor standards
Examine loan documentation for accuracy, completeness and adherence to AUS findings
Risk analysis audit documents for potential fraud and perform sufficient investigative work to resolve issues that are identified
Maintain a sound knowledge of Fannie Mae guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans
Distribute Daily reports for 2nd level SME review, and final report for FNMA FHLMC
Audit, review, discuss and remediate all work streams to meet compliance and keep files within SLA dates
Designated to train and support new hires and veteran employees.

Mortgage Underwriter QC Analyst Loan Specialist

Bank of America Home Loans

04.2008 - 09.2015

Underwriting of conventional loans Non conforming Conforming requests, ensuring compliance with company guidelines and secondary market investor standards
Examine loan documentation for accuracy, completeness and adherence to AUS findings
Risk analysis audit documents for potential fraud and perform sufficient investigative work to resolve issues that are identified
Maintain a sound knowledge of Fannie Mae guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans
Distribute Daily reports for 2nd level SME review, and final report for FNMA FHLMC
Audit, review, discuss and remediate all work streams to meet compliance and keep files within SLA dates
Designated to train and support new hires and veteran employees.

Mortgage Underwriter QC Analyst Loan Specialist

Bank of America Home Loans

04.2008 - 09.2015

Underwriting of conventional loans Non conforming Conforming requests, ensuring compliance with company guidelines and secondary market investor standards
Examine loan documentation for accuracy, completeness and adherence to AUS findings
Risk analysis audit documents for potential fraud and perform sufficient investigative work to resolve issues that are identified
Maintain a sound knowledge of Fannie Mae guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans
Distribute Daily reports for 2nd level SME review, and final report for FNMA FHLMC
Audit, review, discuss and remediate all work streams to meet compliance and keep files within SLA dates
Designated to train and support new hires and veteran employees.

Mortgage Underwriter QC Analyst Loan Specialist

Bank of America Home Loans

04.2008 - 09.2015

Underwriting of conventional loans Non conforming Conforming requests, ensuring compliance with company guidelines and secondary market investor standards
Examine loan documentation for accuracy, completeness and adherence to AUS findings
Risk analysis audit documents for potential fraud and perform sufficient investigative work to resolve issues that are identified
Maintain a sound knowledge of Fannie Mae guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans
Distribute Daily reports for 2nd level SME review, and final report for FNMA FHLMC
Audit, review, discuss and remediate all work streams to meet compliance and keep files within SLA dates
Designated to train and support new hires and veteran employees.

Summary

Overview

Work History

QC Analyst Underwriter

Consumer Mortgage Underwriter

Mortgage Underwriter Underwriting Team Lead

Mortgage Underwriter QC Analyst Loan Specialist

Mortgage Underwriter QC Analyst Loan Specialist

Mortgage Underwriter QC Analyst Loan Specialist

Mortgage Underwriter QC Analyst Loan Specialist

Education

Real Estate And Insurance Adjuster License - Business And Arts

General Studies - General Studies

Skills

Socialnetworks

Timeline

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