Catherine Raymond
East Greenwich,RI
Summary
Disciplined Mortgage Underwriter pays attention to details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to produce quality results. Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Residential Mortgage Underwriter
Embrace Home Loans
Middletown , RI
2007.08 - 2023.12
- Able to analyze risk through review of overall credit, income and collateral while maximizing customer experience and protecting company integrity
- Able to maintain large volume workload with speed and accuracy as well as meet deadlines and work in team environment
- Recipient of several monthly 'top underwriter' awards, as well as personal recognition from team leaders at many monthly company-wide awards meetings.
Loan Officer
Embrace Home Loans
Middletown , RI
2006.07 - 2007.08
- Completed extensive sales training; continually updated and improved skills by attending weekly sales clinics
- Explained various types of loans available to customers and their associated terms and conditions.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Verified client financial information to determine creditworthiness and loan eligibility.
Parent Educator
Family Connections
Newport , RI
1998.04 - 2001.08
- Devised and implemented family education and treatment plan for a diverse group of children ages 6 to 11, who resided in protective group homes, and their families, to promote reunification
- Provided in-home and on-site support and training to parents participating in the Family Connections program
- Participated in writing and following through with a discharge summary and follow-up plan for each child and family
- Facilitated parent support and counseling group
- Co-facilitated weekly group counseling sessions for children ages 6 to 11
- Provided daily supervision to Family Connections staff
- Regularly conferred with school personnel, social workers, program clinician, manager and staff
- Devised charts and maintained detailed records pertaining to client behavioral data and family progress.
Behavior Specialist, In-Home Support and Training
The Groden Center
Providence , RI
1996.09 - 1998.08
- Implemented intense behavior therapy and training program, including academics, in the home of a six year-old child with autism
- Analyzed student data and prescribed remediation and enrichment to meet learning needs.
- Leveraged data and collaborated with executive leaders to refine and improve discipline protocols.
- Designed and delivered personalized learning and behavioral program for success at home and in school
Educational Assistant
Meadowbrook Farms School
East Greenwich , RI
1997.09 - 1998.06
- Assisted classroom teachers with tailoring academic and socialization programs for children participating in integrated and self-contained classrooms
- Attended and contributed to IEP meetings for students under my direct assistance.
Treatment Teacher/Client Coordinator
The Groden Center
Providence , RI
1996.02 - 1997.08
- Taught young children with a variety of behavioral disorders in a classroom setting
- Collaborated with colleagues in assessment of new clients, which included the development of IEP’s
- Implemented individualized programs with treatment team for up to eight students in a self-contained classroom
- Collected and analyzed academic and behavioral data, monitored progress through quarterly progress reports, and submitted data within structured deadlines
- Maintained detailed communication with parents through daily journals, home visits, and IEP meetings
- Participated in weekly staff meetings providing weekly progress reports to co-workers and supervisors
- Nominated for staff person of the year.
Education
Masters of Arts - Teacher Certification Program
University of Rhode Island
12.2006
Bachelor of Arts - Psychology
University of Rhode Island
05.1995
Skills
- Conventional, FHA DE, VA and SAR, USDA, state specific bonds
- In depth credit, asset, and income evaluation for risk-based analysis
- Appraisal review for accuracy and collateral assessment
- Excellent rapport with multiple team members across departments
- Management of large volume, fast paced environment and short deadlines
- Effective communication from origination through post-closing
- Determine loan eligibility and offer alternative solutions or options
- Quick learner with interest in furthering product knowledge
- Follow and maintain updates in Regulatory Compliance
Affiliations
Skiing
Triathlon
Boating
Family
Cooking
Accomplishments
- Multiple company wide awards for outstanding achievement
Certification
- NMLS active to 12/31/2023
- Completion of annual training and assessments pertaining to fraud prevention and predatory lending
References
References available upon request.
Timeline
Residential Mortgage Underwriter
Embrace Home Loans
2007.08 - 2023.12
Loan Officer
Embrace Home Loans
2006.07 - 2007.08
Parent Educator
Family Connections
1998.04 - 2001.08
Educational Assistant
Meadowbrook Farms School
1997.09 - 1998.06
Behavior Specialist, In-Home Support and Training
The Groden Center
1996.09 - 1998.08
Treatment Teacher/Client Coordinator
The Groden Center
1996.02 - 1997.08
Masters of Arts - Teacher Certification Program
University of Rhode Island
Bachelor of Arts - Psychology
University of Rhode Island
- NMLS active to 12/31/2023
- Completion of annual training and assessments pertaining to fraud prevention and predatory lending
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