Andrea Bertrand
Summary
A committed and outgoing professional who understands complex concepts and turns around quick resolutions in a demanding environment while maintaining a positive attitude. A quick learner who multi tasks and solves potential problems and issues that others may fail to see. On a constant quest to grow and learn new skills while bringing knowledge and growth to the table. -Exceptional Customer Service given to Sales Staff and Borrowers -Powerful Team Player -Phenomenal Ability to Meet and Exceed Sales Goals -Self Motivated -Outstanding Time Management Skills -High Volume Sales Management -Leadership Skills -Experience in both Wholesale and Retail industries
Overview
13
13
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Caliber Home Loans
06.2019 - 09.2022
- User friendly technology and professional guidance combined to make the home ownership path successful for all clients
- Multimillion-dollar company licensed in multiple states across the country
- Managed wholesale mortgages in conjunction with brokers for purchases and refinances
- Ensured all paperwork was accurate and qualify mortgage candidates by utilizing the guidelines of the loan they were applying for
- Reviewed appraisals and credit reports with integrity and scanned each file for potential fraud
- Supervised the loan process for upwards of fifty loans per month, over five hundred per year
- Jumbo underwriting authority allowing for multimillion-dollar loans to be processed through underwriting process
- Reviewed and analyzed personal and business tax returns to determine qualifying income while reviewing for any fraudulent information
- Processed conventional and FHA (Federal Housing Administration) loans for customers as requested
- Participated on the Jumbo Underwriting team with 10 colleagues to better support each other with complex guidelines and loans.
Underwriting Team Lead
Ocwen/Homeward Funding
07.2012 - 06.2019
- As one of the largest lenders in the country, the company assists more than 1.4 million customers per year ensuring assistance not only through the home lending process but after it as well
- Lead and supervised a team of over ten underwriters providing leadership on loans, loan processing, guidelines and different customer scenarios
- Interviewed and trained underwriters as they were hired including answering all loan guideline questions, confirming proper knowledge of policies and procedures
- Reviewed loans written by underwriters to check for accuracy and integrity
- Gave feedback to improve performance when necessary
- Assisted the underwriting managers with day-to-day tasks, supervision of staff and reports
- Monitored loan pipeline management for each underwriter on my team, assisted when necessary and helped create a smooth process for customers
- Created several training documents including but not limited to toolbox talks, question of the day and steps to underwriting a conventional loan to assist underwriters in their daily duties
- Evaluated appraisal escalations from the underwriting team and helped the sales force with scenario questions.
Mortgage Underwriter
Regency Mortgage Corp
03.2010 - 07.2012
- Retail mortgage company working directly with customers to provide high quality service to clients looking to apply for a home loan
- Underwrote and processed all files to specific loan programs including Conventional, VA (Veterans Affairs), FHA (Federal Housing Administration), USDA (United States Department of Agriculture), and RD (Rural Development)
- Thoroughly scanned appraisals to make sure proper collateral was available and acceptable to put against the loan
- Utilized DU (Desktop Underwriter), LPA (Loan Prospector), and GUS (Guaranteed Underwriting System) to ensure loans met the mandatory guidelines
- Ordered case numbers for FHA and VA loans as needed as well as providing all lending program specific documentation
- Provided direct customer service to clients and potential home buyers to walk with them every step of the loan buying process
- Worked side by side with loan officers to obtain documentation from borrowers as well as ensuring each borrower was in the best loan program to fit their needs.
Processor/Junior Underwriter
Mortgage Masters Inc
07.2009 - 01.2010
- Mortgage and loan company specializing in refinances and new loans for retail consumers
- Prepped loan files to send to the loan closer after final sign off
- Processed retail loans for consumers seeking Conventional, FHA, VA, RD and USDA loans
- Collaborated with loan officers and borrowers to obtain the proper documents necessary to process and move forward with the loan process.
Education
High School Diploma -
Oakmont Regional High School
Ashburnham, MASkills
- Microsoft Suite of Products
- FHA Connection
- CoreLogic-Home Loan Risk Scoring
- State Specific Corporate Employment Systems
- Reading Comprehension
- Loan Restructuring
- Jumbo and Super Jumbo Loans
- Government Lending
- Debt-To-Income Ratios
- Desktop Underwriter
- Loan Product Knowledge
- Microsoft Office
- Application Analysis
- Complex Problem-Solving
- Residential Loans
- Customer Interaction
- Asset Statements
- Eligibility Requirements
- FHLMC Guidelines
- Customer Experience
- Client Interviews
- Manage Complaints
- Serve Customer Needs
Certification
Jumbo Underwriting AuthorityDirect Endorsement (DE) FHA loan program
Timeline
Mortgage Underwriter
Caliber Home Loans
06.2019 - 09.2022
Underwriting Team Lead
Ocwen/Homeward Funding
07.2012 - 06.2019
Mortgage Underwriter
Regency Mortgage Corp
03.2010 - 07.2012
Processor/Junior Underwriter
Mortgage Masters Inc
07.2009 - 01.2010
High School Diploma -
Oakmont Regional High School
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