MARY Allison AGARD
North Las Vegas,NV
Summary
Dynamic Underwriting Professional with FHA, VA, and NON-QM underwriting expertise, with a proven track record in underwriting and risk assessment.t. Expert in pipeline management and delivering exceptional customer service. Successfully led teams to enhance productivity and compliance, driving significant improvements in operational efficiency and loan quality.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Senior Government Underwriter
Financial Freedom Mortgage, LLC
Boca Raton, FL
06.2024 - Current
- Responsible for ensuring the quality and integrity of underwriting decisions and processes, as well as providing exceptional service to all stakeholders involved.
- The role requires the ability to manage a pipeline of NON-QM, FHA and VA loans assigned each day, proactively and effectively, while maintaining SLAs on all job tasks.
- In addition, the ability to communicate underwriting decisions and needed documentation to the broker accurately and clearly.
- Review credit documents for completeness and accuracy.
Director of Operations
Victorian Finance, LLC
Pittsburgh, PA
09.2021 - 07.2023
- Assessed reports, and adjusted workflows to realign with targets.
- Assessed and evaluated business procedures, and implemented structure to improve day-to-day operations.
- Reviewed site and department performance to improve the quality of services and comply with regulatory requirements.
- Established operational guidelines and identified opportunities for improvement for NON-QM, agency products.
- Worked successfully with a diverse group of coworkers to accomplish goals and address issues related to our products and services, such as NON-QM, CONVENTIONAL, FHA, and VA.
VP of Underwriting
Loandepot
Lake Forest, CA
08.2019 - 09.2021
- Increased company growth through collaboration with the sales and marketing departments.
- Spearheaded cross-functional initiatives across departments to achieve business goals for bottom-line profits.
- Monitored industry trends, keeping current on the latest changes and competition in the industry.
- Managed 2 Underwriting Directors and 6 Managers in Arizona.
- Proactively provide training and education to ensure underwriting requirements are achieved.
- Oversee productivity and quality goals within the department, taking corrective actions as needed.
- Respond to CEO escalations with detailed feedback and resolution.
- Travel 50%.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
Director of Underwriting
LoanDepot
Lake Forest, CA
02.2014 - 08.2019
- Assisted underwriting management teams with the review of complex cases, staffing resource projections, process improvements, and overall workload balance and management.
- Led underwriting management staff and specialists to achieve results, maximize capabilities, and promote employee development.
- Guided assigned underwriters and underwriting management teams with technical guidance on sales, policies, and goals.
- Complied with established internal controls and policies.
- Proactively provide training and education to ensure underwriting requirements are met.
- Responsible for the lending authority matrix within the organization.
- Created an underwriter-mentor role to assimilate new hires, helping them increase their authority and responsibility.
AVP
Chase Home Mortgage
Tempe, AZ
04.2012 - 02.2014
- Proactively provide training and education to ensure underwriting requirements are met
- Promoted and led a performance enhancement culture by actively coaching and mentoring direct reports.
- Identified opportunities to improve business process flows and productivity.
- Managed an underwriting team of 16 to meet internal and external SLAs in support of monthly goals.
- Maintained quality and production standards as defined by the business.
- Responsible for the lending authority matrix within the organization.
- Collaborated with senior management to develop strategic initiatives and long-term goals.
FHA DE Underwriter/Team Leader
Wells Fargo Home Mortgage
Tempe, AZ
05.2010 - 04.2012
- Collateral risk assessment is performed on all appraisals.
- Evaluated loan applications, determined creditworthiness, assessed risk, and established loan conditions.
- Analyzed and verified applicant income, assets, and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies, such as VA, HUD, and FNMA.
- Verified the integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance, and comparing data against internal checklists and guidelines.
Education
Bachelor of Science -
San Bernardino Valley College
San Bernardino, CA06-1995
Skills
- Underwriting and risk assessment
- Pipeline and team management
- Customer service excellence
- Analytical and credit analysis
Certification
- CHUMS
- VA SAR
Timeline
Senior Government Underwriter
Financial Freedom Mortgage, LLC
06.2024 - Current
Director of Operations
Victorian Finance, LLC
09.2021 - 07.2023
VP of Underwriting
Loandepot
08.2019 - 09.2021
Director of Underwriting
LoanDepot
02.2014 - 08.2019
AVP
Chase Home Mortgage
04.2012 - 02.2014
FHA DE Underwriter/Team Leader
Wells Fargo Home Mortgage
05.2010 - 04.2012
Bachelor of Science -
San Bernardino Valley College
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