Amanda Crouch
McKinney,TX
Summary
Strategic Mortgage Operations Professional offering over twenty years of experience in driving productivity while maintaining quality on files and communication. Well-versed in developing quality talent and customer-focused teams. Highly skilled in applying market knowledge and task efficiencies to improve performance. Dedicated and dependable with proven success in implementing cost-reduction mortgage solutions, while driving the skills and knowledge to resolve complex issues and challenges. Many hats have been worn in all levels of Mortgage Operations including Underwriting, Processing, Closing, Funding, Post-Closing, Compliance, Government Insuring, Training and Business Development.
Overview
22
22
years of professional experience
Work History
TEAM LEAD - UNDERWRITING
NTFN
06.2020 - Current
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Generate financial ratios, using computer programs, to evaluate customers' financial status
- Verify and examine information and accuracy of loan application and closing documents
- Review loan submissions submitted by production and origination staff and generate initial credit decision in accordance with FNMA, FHLMC, FHA, VA, USDA, Bond and other private investor guidelines as well as internal overlays
- Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines
- Perform credit and property analysis on conventional and government loan files
- Analyze complex tax returns and accurately calculate income for self-employment
- Perform timely reviews of submitted conditions and loan resubmissions
- Maintain quality and production standards as set forth by management
- Effectively communicate, orally and via email, the decisions reached as to maintain positive working relationships with coworkers and management
- Suggested changes to standard operational and working practices, providing leadership needed to develop and implement continuous improvements
- Communicated work goals and deadlines to employees to increase productivity and meet project benchmarks
- Invent appropriate measures to correct quality deficits
- Delegated tasks to team members according to closing dates and employee strengths
- Used data analytics and insights for driving change and making decisions
CLOSING & FUNDING MANAGER
Thrive Mortgage
01.2020 - 06.2020
- Examine documentation such as mortgages, liens, judgments, easements, plat books, maps, contracts, and agreements in order to verify factors such as properties' legal descriptions, ownership, or restrictions
- Examine individual titles in order to determine if restrictions, such as delinquent taxes, will affect titles and limit property use
- Verify accuracy and completeness of land-related documents accepted for registration; prepare rejection notices when documents are not acceptable
- Establish and maintain relationships with individual or business customers or provide assistance with problems these customers may encounter
- Recruit staff members and oversee training programs
- Prepare operational or risk reports for management analysis
- Specialize in Texas 50a6 closing documentation and guidelines
- Successfully implemented Funding Department by utilizing internal staff and developing effective procedures for each staff member
OPERATIONS MANAGER
Trinity Oaks Mortgage
08.2019 - 01.2020
- Managed multiple departments on a daily basis, including and not limited to, Processing, Closing, Post-Closing, Shipping, Government Insuring and Compliance
- Recruited, hired and trained initial personnel, working to establish key internal functions and outline scope of positions
- Led company to successful improvement with outsourcing initial processing needs and growth by developing a road map for efficiencies to improve departmental costs by 93%
- Successfully maintain weekly one-on-one meetings with each employee to develop skills, short/long term goals and review progress marks for each week
- Led business planning, developed market strategy and established direct relationships with third party vendors
- Delegated processing and post closing daily tasks to employees, streamlining daily progress and efficiency
- Collaborated with President, COO and Director of Operations to find efficiencies in departments with outsourcing
- Complete all FHA and VA Insuring within 10 days from funding date
- Created, managed and executed business plans to motivate teams while ensuring efficiencies and costs stayed at a minimum
- Built and strengthened relationships across functional leadership areas to keep revenue plans interconnected and effective
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness
- Mind Mapping and developing strategies to minimize steps per actions needed on a file
PROCESSING & CLOSING MANAGER
Willow Bend Mortgage
01.2015 - 08.2019
- Worked closely with all departments to ensure processing, closing and post closing tasks have been completed in a timely manner
- Successfully implemented many tools within our processing and closing department to keep our department costs at a minimum
- Managed 42 employees on a daily basis within corporate and outside branches
- Implement all strategic planning tools for department
- Proactively created all training manuals for processing and closing for on-boarding purposes
- Compile metrics and allocations for all company branches
- Worked closely with Correspondent Lending to maintain relationship communication
- Organize weekly meetings with processing and closing staff
- Create quarterly events for morale boosting within department
- Delegate any overflow of loans due to processing shortage to balance capacities.
SENIOR EXECUTIVE ASSISTANT, SURGICAL SERVICES
Parkland Hospital
01.2011 - 12.2014
- Reported to the Senior Executives within the Surgical Ambulatory Services Assisted directly daily with the Chief Executive Officer, Senior Vice President, Chief Surgery Doctors, Nursing Directors and Unit Managers
- Performed additional assistance to all nursing staff and professors in a fast paced environment
- Coordinate meetings and conferences on behalf of executes and all nursing staff
- Complete 'meeting minutes' for all staff meetings weekly
- Purchase supplies and confirm all purchase requisitions for office staff
- Maintain calendars and daily agendas to maximize executives time efficiency
- Collaborated CMS information into reports used for monthly updates
- Compose reports, correspondence, memos, forms, agendas and company directories
- Developed and maintained department budgets
- Manage all business trip arrangements, expense reports and scheduling of meetings.
SENIOR COMPLIANCE ACCOUNTANT
D Miller Mortgage Company
12.2008 - 01.2011
- Kept financial records accurate, current and compliant by monitoring records and addressing variances
- Consistently ensured loan compliance with mortgage lending laws and regulations
- Set up, stored and updated customer files, budget records and regulatory paperwork
- Reviewed financial statements and contacted institutions and customers to clarify details
- Delivered expert clerical support to internal staff and management by efficiently handling wide range of routine and special requirements
- Kept physical files and digitized records organized for easy updating and retrieval by authorized team members.
UNDERWRITER - LEVEL II
WMC Mortgage / GE Money
03.2004 - 10.2008
- Excelled as an Underwriter with a maximum loan amount authority of $750,000
- Began learning underwriting and was promoted to a Level II Underwriter within 6 months
- Analyzed and reviewed all sub prime credit and property documents
- Made decisions based off of level risk for each borrower after identifying compensating factors
- Followed company policies, FHA/VA/Conventional guidelines and company matrix
- Ensured all files were reviewed in a timely manner and handled 8 new files daily Reviewed and cleared conditions within a 2 hour turn time while staying on top of new files Strengths Education
- Stayed within a minimal error ratio on all post closing files
- Manual Underwriting and Manual Verifications
- Communicated with Loan Officers, Borrowers and Processors on a daily basis
- Cleared to close a minimum of 85 files monthly and highest production was 168 files in one month
UNDERWRITING PRODUCTION SPECIALIST
Countrywide Home Loans
01.2002 - 02.2004
- Within 3 months of being hired on as a receptionist, promoted to the production team for the Texas sub prime branch
- Worked diligently with underwriting to determine conditions that were needed
- Fully processed on the EDGE system in a timely manner
- Requested closing documents and worked closely with the closing department
- Followed all guidelines needed for processing and implemented efficient processing tasks.
Education
BUSINESS ADMINISTRATION - FINANCE -
Stephen F. Austin State University
Nacogdoches, TXSkills
- Compliance
- Pipeline Forecast
- Operations
- Training
- Results Oriented
- Efficiency Creator
- Detail Oriented
- Mentor
- Type 108 Wpm
- Goal Keeper
- Culture Driven
- Honest Communication
- Mind Mapping
- Strategic Planning
- Goal Oriented
- Workflow
- Encompass
- Microsoft Office Products
- USDA Underwriting
- FHA DE Certified
- VA SAR
- Multi-State Bond Programs
- Team Building
- Knowledge Hunger
Awards
- 2021 Spirit Award - NTFN
- 2020 Award of Excellence - NTFN
- 2019 Employee Of The Year - Trinity Oaks Mortgage
- 2008 GE Money Award - WMC Mortgage / GE Money
Timeline
TEAM LEAD - UNDERWRITING
NTFN
06.2020 - Current
CLOSING & FUNDING MANAGER
Thrive Mortgage
01.2020 - 06.2020
OPERATIONS MANAGER
Trinity Oaks Mortgage
08.2019 - 01.2020
PROCESSING & CLOSING MANAGER
Willow Bend Mortgage
01.2015 - 08.2019
SENIOR EXECUTIVE ASSISTANT, SURGICAL SERVICES
Parkland Hospital
01.2011 - 12.2014
SENIOR COMPLIANCE ACCOUNTANT
D Miller Mortgage Company
12.2008 - 01.2011
UNDERWRITER - LEVEL II
WMC Mortgage / GE Money
03.2004 - 10.2008
UNDERWRITING PRODUCTION SPECIALIST
Countrywide Home Loans
01.2002 - 02.2004
BUSINESS ADMINISTRATION - FINANCE -
Stephen F. Austin State University