Anna Gosbee

Oversee the daily mortgage operations within the Homeownership Division.

Manage a staff of seven employees, responsible for the loan pipeline, including credit review, underwriting, and closing ensuring full compliance with applicable laws, regulations, and contractual obligations.

Create program policies and procedures.

Encompass Programming as needed.

Oversee and participate in the compliance management system and quality control of loans, ensuring that the organization and partners comply with all state and federal law, contracts, rules, applicable mortgage-insurer requirements and secondary market requirements.

Manage customer-service issues related to underwriting to manage overall customer relations.

• Oversee all Operations Departments within organization including Central Disclosing, Processing, Underwriting, Appraisal Management and Closing.
• Spearheaded organizational restructuring initiatives, streamlining operations and reducing overhead costs.
• Cultivated strong relationships with loan officers, investors, regulators, and community leaders to promote collaboration and long-term success.
• Led cross-functional teams for successful completion of major projects, resulting in increased efficiency and client satisfaction.
• Demonstrated proficient leadership skills to motivate employees and build competent teams.
• Established culture of continuous improvement, fostering innovation and driving sustainable growth across organization.
• Identified opportunities to improve business process flows and productivity.
• Leveraged technology to automate workflows and streamline processes, resulting in increased productivity and cost savings across organization.
• Launched new products and services in various markets by conducting market research studies and tailoring offerings based on customer needs.
• Represented organization at industry conferences and events.

• Directly managed Operational Departments of approximately 30 employees, including Loan Set-Up, Loan Coordinator and Closing Departments.
• Responsible for providing volume projections for Sr Management and preparing Cure analysis monthly to determine trends and where additional training is needed for both Operations and Sales.
• Ensured adherence to both company policies and state/federal regulations.
• Built high-performance teams through effective recruitment practices focused on competency alignment coupled with ongoing performance management processes.
• Championed talent development programs, promoting employee engagement and retention while enhancing overall workforce capabilities.
• Transformed customer experience by designing and executing comprehensive service improvement initiatives aimed at enhancing satisfaction levels.
• Oversaw business-wide changes to modernize procedures and organization.

• Successfully integrated Retail, Wholesale, Correspondent Operations Teams into one department overseeing staff of 20+ employees.
• Ensured staff was properly cross-trained in all business channels.
• Trained all staff on TRID from Initial Disclosing through Closing.
• Wrote TRID procedures and assisted various other departments with understanding and adhering to TRID regulations.
• Enhanced collaboration between team members by implementing innovative communication tools and fostering open dialogue culture.

• Managed the largest Operations Team in the Company, achieving high branch satisfaction rates while adhering to all federal and state guidelines for retail mortgage lending.
• Revamped the retail operations team by hiring and training 10+ new employees resulting in an improvement in overall productivity and accuracy for the company.
• Collaborated closely with senior management to align department goals with overall company objectives, resulting in stronger organizational cohesion.

• Main contact for 20+ Retail Branches located throughout New England assisting with their day-to-day functions, acting as a liaison between sales and operations
• Fielded underwriting scenarios and reviewed exception requests
• Performed regular monitoring and maintenance of branch databases

• Assisted in analyzing applicant’s financial status, credit and property evaluation to determine feasibility of granting loans
• Maintained company standards for turn-times of condition review
• Researched underwriting guidelines and statutory requirements to stay updated on new laws and regulations

• Handled rate locks, issuance of disclosures and overage/underage of fee waivers for staff of 8+ loan officers
• Assisted in loan origination process, including ordering credit reports, appraisals, preliminary title reports and insurance information

• Mentored, coached and trained 8+ branch employees
• Educated consumers on the variety of banking products and available credit options
• Assisted Market Manager in analyzing reports of commercial real estate, borrower’s financial statements, lease reviews and market research

• Supervised staff of 5+ employees
• Responsible for ordering and maintaining sufficient cash levels for branch without exceeding allotted levels through researching trend and usage reports
• Balanced daily cash deposits and bank vault inventory with zero error rate

• Made outbound sales calls resulting in interviewing an average of 10 mortgage loan applicants a week
• Educated customers on the variety of loan products and credit options available

• Opened new customer accounts, including checking, savings and lines of credit
• Processed sales referrals and promoted bank services and products, consistently meeting and exceeding sales goals
• Received regional branch recognition award for outstanding customer service

• Managed opening and closing times for off-site branch
• Balanced daily cash deposits and bank vault inventory with zero error rate
• Processed cash withdrawals and examined checks for identification and endorsement