Summary
Overview
Work History
Education
Skills
Software
Timeline
Generic

Crystal H.

Minneapolis,MN

Summary

Effective operations team lead. Expertise in credit risk analysis, investor and regulatory compliance, quality control and risk identification. Extensive FHA/VA/Conventional/RD/HFA knowledge.

Overview

15
15
years of professional experience

Work History

Mortgage Operations Team Lead

US Bank Home Mortgage
Hopkins, MN
2014 - Current
  • Train employees on company policies, procedures and best practices to facilitate their rapid integration into the team.
  • Collaborate closely with credit, review, underwriting, compliance, pooling and funding departments to streamline interdepartmental communication and improve overall organizational cohesion.
  • Training of employees on data systems offering timely feedback and ideas for improvement.
  • Maintained team monthly performance metrics via quality audits
  • Review and support complex residential mortgage loan files across FHA/VA/Conventional/Rural/HFA/Secondary Markets to ensure adherence to underwriting, investor and regulatory guidelines.
  • Evaluate income, asset, credit and collateral documentation, identifying deficiencies.
  • Partner closely with underwriting, compliance, risk and fulfillment teams to ensure timely and accurate loan delivery.
  • Manage an average pipeline of 100-140 loans, funded 2-5 million each month towards overall revenue forecast.
  • Communicate with lenders, staff, title companies and HFAs to resolve outstanding items.
  • Assist with miscellaneous projects as they arise.

Loan Doc Specialist 4

Wells Fargo Home Mortgage
Minneapolis, MN
2010 - 2013
  • Interviewed loan applicants. Supported background investigations to confirm references and applicant details. Prepared findings for underwriting department.
  • RELO-Requested HUD-1 statements from title companies and attorneys for review to assess client credits toward closing costs according to client guidelines.
  • Conducted collateral reviews of mortgage loans after closing. Processed escrow buy-downs and principal curtailments.

Education

Health Information Management

National American University
Minnesota

Skills

  • Leadership and Development
  • Technical & Regulatory Knowledge
  • Customer & Stakeholder Support
  • Cross Functional Collaboration

Software

AllRegs

Doc Velocity

Empower

FHA Connection

AIQ

Timeline

Mortgage Operations Team Lead

US Bank Home Mortgage
2014 - Current

Loan Doc Specialist 4

Wells Fargo Home Mortgage
2010 - 2013

Health Information Management

National American University
Crystal H.