Carmen Torrance
East Point,GA
Overview
17
17
years of professional experience
Work History
Station Learning Records Administrator
Delta Air Lines, Inc
Atlanta, GA
08.2024 - Current
- Partner with key personnel in the local station to maintain system-wide training compliance.
- Provide guidance in determining training requirements, and complete training and compliance assignments based on roles/tasks performed in the operation.
- Utilize Learning Management System (LMS) reporting to provide custom reports for planning and management of training initiatives.
Agent In Charge
Delta Air Lines, Inc.
Atlanta, GA
05.2023 - 08.2024
- Managed daily operations, as well as resolved complex issues, improving operational efficiency while focusing on safety and compliance with company policies.
- Worked alongside key staff members including Operational Service Managers, Ground Coordinators, Tower Agents and Leads to achieve daily operational goals.
- Directed employee engagement activities, boosting overall workplace morale, leading to increased productivity levels and strengthened team environment.
Ground Coordinator
Delta Air Lines, Inc
Atlanta, GA
07.2022 - 05.2023
- Coordinated deployment of over 150 Cabin Experience Clean Team agents via Hub View and Inform systems.
- Managed time and resources while investigating and documenting primary and secondary delays in real time.
- Directed teams in ground operations while upholding rigorous safety protocols.
Senior DE Underwriter
Amerisave Mortgage
Remote
07.2019 - 05.2022
- Reviewed and assessed diverse loan applications employing automated underwriting systems such as DU, LPA, Day One Certainty, and Early Check to ensure alignment with investor requirements and regulatory compliance.
- Ensured strict compliance with secondary market requirements during the loan underwriting process.
- Maintained up-to-date knowledge of industry regulations, legislation and best practices related to DE Underwriting.
Senior Contract Portfolio Underwriter
Centerstate Bank Mortgage
Remote
08.2017 - 07.2019
- Monitored loan portfolio performance of Centerstate's business clients to identify and mitigate potential risks related to retaining, refinancing or selling real estate property.
- Made careful determinations based on Centerstate's portfolio guidelines in order to ensure compliance with corporate and secondary market investor standards and Borrower's Ability to Repay (ATR).
- Executed complex underwriting decisions utilizing advanced knowledge and problem-solving abilities to address unique financial scenarios.
Senior Builder DE Underwriter/Subject Matter Expert
Southeast Mortgage Of Georgia
Atlanta, GA
11.2015 - 06.2017
- Collaborated with Commercial Relationship Managers (CRMs) in structuring comprehensive constructions loans for new construction loan clients.
- Analyzed a variety of legal and financial documents, including sales contracts, financing exhibits, and mandatory disclosures unique to new construction loans.
- As SME played a key role in guiding team to properly assess and manage builder-related pipeline.
Contract Senior DE Underwriter
Envoy Mortgage
Remote
09.2011 - 10.2015
- Communicated underwriting decisions, stipulations, and documentation requirements effectively to SVP, VP, Sales Manager, Loan Originators, and Processors.
- Upheld stringent adherence to FHLMC, FNMA, and secondary marketing guidelines during the underwriting process.
- Provided guidance and support to junior underwriters regarding complex transactions or challenging customer situations.
Contract Senior Underwriter/Team Lead
Risk Management Group
Brooklyn, NY
01.2008 - 09.2011
- Led and mentored groups of 10-15 contract underwriters both remote and on-site nationwide at various lender locations.
- Performed quality control evaluations utilizing resources such as LexisNexis and Automated Valuation Models.
- Authorized underwriting decisions on complex loan files in alignment with lending protocols and industry benchmarks.
Education
High School Diploma -
DuPont Manual Magnet High School
Louisville, KY01-1990
Skills
- Team Leadership
- Strategic Planning
- Process Improvement
- Employee Engagement
- Problem Solving
- Scheduling
- Negotiation
- Effective Communicating
- Forensic Underwriter
- Supervisor
- Contract Underwriter
- Quality Control
- Remote Underwriter
- Self Motivated
Timeline
Station Learning Records Administrator
Delta Air Lines, Inc
08.2024 - Current
Agent In Charge
Delta Air Lines, Inc.
05.2023 - 08.2024
Ground Coordinator
Delta Air Lines, Inc
07.2022 - 05.2023
Senior DE Underwriter
Amerisave Mortgage
07.2019 - 05.2022
Senior Contract Portfolio Underwriter
Centerstate Bank Mortgage
08.2017 - 07.2019
Senior Builder DE Underwriter/Subject Matter Expert
Southeast Mortgage Of Georgia
11.2015 - 06.2017
Contract Senior DE Underwriter
Envoy Mortgage
09.2011 - 10.2015
Contract Senior Underwriter/Team Lead
Risk Management Group
01.2008 - 09.2011
High School Diploma -
DuPont Manual Magnet High School
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