Anne Marie Molfese
Burr Ridge,IL
Summary
Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
9
9
years of professional experience
1
1
Certification
Work History
(AVP) Assistant Vice-President, Credit Policy
Fairway Independent Mortgage
07.2021 - 08.2023
- Improved customer satisfaction by streamlining processes and implementing new strategies.
- Developed and maintained strong relationships with clients, resulting in increased business opportunities.
- Managed projects efficiently, ensuring timely delivery and high-quality results.
- Enhanced team productivity by providing training and mentorship to junior staff members.
- Collaborated with cross-functional teams to develop new products and services, leading to a competitive advantage in the market.
- Established policies and procedures that improved operational efficiency within the organization.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Led initiatives focused on employee engagement, resulting in higher retention rates and improved workplace morale.
- Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
- Successfully managed change within the organization, ensuring smooth transitions during periods of restructuring or process improvements.
- Helped VPs add value and growth to annual sales volume.
- Direct manager to 5 supporting government lending products. Staff manager of 20.
- Worked in partnership with senior management to develop and implement initiatives and long-term goals to increase company productivity and profitability.
- Assumed lead role in managing multiple government-based projects to enable team support in processing new and existing products.
- Created new and updated existing departmental policies and procedures to clarify, direct, and enhance staff knowledge and skills.
- Provided oversight to ensure agency and investor guidelines for government loans: Federal Housing Administration (FHA), USDA, VA & Reverse Mortgages were met.
Team Leader
Fairway Independent Mortgage
01.2019 - 07.2021
- Enhanced team productivity by implementing efficient work processes and regularly reviewing performance metrics.
- Developed team members'' skills through targeted coaching sessions, resulting in improved individual performance.
- Led cross-functional teams to execute projects on time, within budget, and with high-quality outcomes.
- Streamlined workflows for increased efficiency, reducing turnaround times for critical tasks.
- Managed conflict resolution among team members, fostering a positive and collaborative work environment.
- Established clear communication channels that ensured the timely exchange of information between team members and stakeholders.
- Coordinated resources effectively to meet project deadlines and achieve desired results.
- Implemented employee recognition programs that boosted morale and increased retention rates within the team.
- Mentored junior staff members, helping them develop their leadership potential and advance in their careers.
- Set performance expectations for the team, monitoring progress towards goals and providing constructive feedback as needed.
- Collaborated with other department leaders to establish shared goals and ensure alignment across teams.
- Provided orientation and ongoing training to staff.
- Created new and updated existing job aids to identify company overlays and mitigate risk of agency and investor expectations.
- Provided oversight to ensure agency and investor guidelines for Conforming, Non-Conforming, Jumbo and Government loans were met.
- Provided problem solving methods to various loan systems.
- Administrator to Assistant Vice Presidents
Senior Credit Policy Specialist
Fairway Independent Mortgage
04.2015 - 01.2019
- Enhanced team productivity by streamlining processes and implementing time-saving strategies.
- Developed strong client relationships through consistent communication and attentive service.
- Championed the adoption of new software tools that streamlined workflows across multiple departments.
- Launched successful marketing campaigns that drove brand awareness among target audiences.
- Oversaw daily operations of a busy office environment, ensuring tasks were completed efficiently and accurately.
- Followed all company policies and procedures to deliver quality work.
- Liaison to Originators and Operations Departments regarding scenarios, guidelines, and problem-solving issues, while applying company guidelines and identifying product availability.
- Provided oversight regarding company, agency, and investor guidelines for Conforming, Non-Conforming, Jumbo, Portfolio & Government loans.
- Provided problem solving methods to various loan system issues.
- Fannie Mae and Freddie Mac Subject Matter Expert (SME)
- Mortgage Insurance Companies Subject Matter Expert (SME)
- Provided guideline communications to company though daily newsletter.
Senior Underwriter
Stonegate Mortgage Corporation
08.2014 - 04.2015
- Direct Endorsed Underwriter of FHA Federal Housing Administration loans. Total Scorecard and Manual Underwritten loans.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Developed comprehensive underwriting guidelines that reduced inconsistencies and improved overall portfolio quality.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Conducted regular audits of underwriting files, ensuring compliance with regulatory requirements and internal policies.
- Participated in industry conferences and seminars to stay informed about the latest trends, regulatory changes, and best practices in underwriting.
Education
High School Diploma -
Hinsdale South High School
Darien, IL05.1993
Skills
- Internal Communications
- Regulatory compliance
- Resource allocation
- Corporate Communications
- Operations Management
- Strategic planning
- Project management
- Team building
- Cross-functional collaboration
- Quality assurance
- Customer relationship management
- Problem solving
Accomplishments
- 28 years in the Mortgage Lending Industry using analytical methods, risk mitigation and client and team communication skills, goal setting and computer applications.
- Detailed oriented
- Successfully co-supervised staff of 20. Provided a productive work environment including team participation with active inclusion of all involved to accomplish identified goals.
- Assisted senior management in the daily operations of the company, as well as intervening in employee relations as requested.
- Successfully orientated and trained new employees and continued ongoing training as indicated, contributing to employee retention
- Demonstrated ability to condense daily operational outcomes and communicate results to staff and senior management.
- Applied successful problem-solving ability to promote staff productivity and accomplished company and client objectives.
- Identified company goals, created an action plan, established priorities, and met company deadlines to ensure organizational standards and goals were met.
Certification
- Federal Housing Administration (FHA) Direct Endorsed (DE) Certified Underwriter
- Nominated for Outstanding Underwriter by the Illinois Mortgage Bankers Association (IMBA) 2012
- Fannie Mae and Freddie Mac Subject Matter Expert (SME)
- Mortgage Insurance Companies Subject Mater Expert (SME)
- Illinois Housing Development Authority (IHDA) and Minnesota Housing Expert
- Obtained Sr. Underwriting Authority including Conventional Conforming, Conventional Non-Conforming, Jumbo, and FHA Refinance and Purchases.
Websites
linkedin.com/in/annemarie-molfese-a99a2745
Timeline
(AVP) Assistant Vice-President, Credit Policy
Fairway Independent Mortgage
07.2021 - 08.2023
Team Leader
Fairway Independent Mortgage
01.2019 - 07.2021
Senior Credit Policy Specialist
Fairway Independent Mortgage
04.2015 - 01.2019
Senior Underwriter
Stonegate Mortgage Corporation
08.2014 - 04.2015
High School Diploma -
Hinsdale South High School