Summary
Overview
Work History
Education
Skills
Work Availability
Quote
Timeline
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Cedrick Queen

Underwriter | Financial Reviewer | Data Entry and Database Mgmt | Researcher | Analyst | Customer Service Champion
Sacramento,CA

Summary

A seasoned, talented, and results-oriented subject matter expert in Project Review Underwriting, Operations, and Customer Service. Highly effective at risk analysis and coordinating project documents and processes between departments, individuals, and government agencies. Expert critical thinker, problem solver, and organizer. Over 15 years of experience in the industry.

Overview

19
19
years of professional experience
4
4
years of post-secondary education

Work History

Sr Underwriter

Change Lending, LLC
Anaheim, CA
07.2023 - 02.2024

• Ensured condominium projects reviews are completed accurately and promptly.

• Ensured project reviews meet internal guidelines and agency guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, and Non- QM/Investor guidelines).

• Managed high-volume pipeline of 50-70 loans per month.

• Reviewed eligibility of projects through analysis of Questionnaires, Appraisals, Budgets, Financial statements, Reserve Studies, Inspection/Engineering reports, Litigation Docs, Meeting Minutes, Bylaws, Master Deeds, CC&R’s, Insurance Declarations, Deed Restrictions, Leasehold Agreements, and Offering Plans & Amendments.

• Used agency project review systems such as FNMA CPM, FHA HRAP/DELRAP/SUA, FreddieMac Project Advisor, and VA WebLGY and company lending systems

• Relayed project review status (Approved, Suspensed, Declined) to all relevant parties.

• Primary point of contact regarding with HOA boards and representatives, Management Companies, and Developers/Sponsors.

• Maintained an internal database, completed thorough reviews, and ensured data accuracy.

• Provided high level of customer service to Operations, Sales, and 3rd party contacts, by managing the general question and project status inbox, priority review requests, agency questions, Non-QM and non-warrantable questions, exception requests.

• Ulitized phones, email, instant messaging, and video confrenecing software (Teams and Zoom) to address customer inquiries and concerns.

• Conducted training, coaching, and problem resolution to Operations, Sales, and Staff regarding project reveiw requirements.


• Prioritzed consistent and punctual attendance.

Condo Project Review Lead

Sprout Mortgage
East Meadow, NY
06.2021 - 07.2022
  • Consistently completed initial review and subsequent condition review of all refinances and purchases for QM loans and non-QM loans
  • Analyzed documents for condo projects and PUDs ensuring compliance with all Fannie Mae, Freddie Mac, FHA, VA, and Non- QM/Investor guidelines
  • Managed high-volume pipeline of 70-80 loans per month
  • Evaluated all HOA/Co-Op project documents including financials, questionnaires, reserve studies, recorded legal documents, litigation docs, appraisals, 40-year inspection certificates, ground lease docs, and title commitments
  • Maintained effective communication throughout loan process to insure high level of customer satisfaction
  • Conducted training conference calls with condominium department to educate and ensure proper expectations are met
  • Handled general questions Inbox regarding status of review, rush requests, agency questions, Investor questions for Non-QM loans, and questions related to condo review process
  • Utilized agency condo systems like FNMA CPM, FHA HRAP/DELRAP/SUA, and VA WebLGY and company lending systems
  • Handled approx
  • 20-40 calls per day to address customer inquiries and concerns

Condo Underwriter

AmeriSave Mortgage
Atlanta, GA
09.2020 - 06.2021
  • Assessed eligibility of condominium projects based on documentation review and analysis
  • Performed Condo Project Reviews for FNMA/CVAS, Freddie/PWR, FHA, VA, USDA, & Bond loans
  • Addressed and resolved inquiries related to condo project reviews with company contacts and outside agencies
  • Performed project reviews within established company turn times to maintain high customer service
  • Also prioritize rush requests
  • Utilized agency condo systems like FNMA CPM, FHA HRAP/DELRAP/SUA, and VA WebLGY and company lending systems
  • Mentored/Trained new hire associates
  • Handled approx 20 calls per day to address customer inquiries and concerns
  • Improved operations through consistent hard work and dedication

Condo Underwriter

Finance of America
Irving, TX
11.2014 - 08.2020
  • Primary responsibility was to analyze and underwrite legal documents for condominium home loan projects
  • Managed priority issues, daily operations goals, communicate with other dept managers, and upper management
  • Verified project documents follow corporate and government (FNMA/Freddie Mac, FHA, VA, & USDA) agency guidelines
  • Conducted conference calls to educate branch and developer contacts about project review/approval process and to resolve situations
  • Participated in team-building activities to enhance working relationships
  • Handled 10-20 calls per day to address customer inquiries and concerns

Condo Project Approval Specialist

Bank of America
Concord, CA
01.2005 - 11.2014
  • Primary responsibility was to analyze and underwrite legal documents for condominium home loan projects
  • Reviewed loan pipeline of 4-8 project review requests per day

Education

Bachelor of Science Degree - Business Administration

California State University - East Bay
10.1997 - 06.2001

Skills

Claims, Underwriting and Risk Analysis - Self-Starter - Audited/Unaudited Financials Reviewundefined

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote

There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins

Timeline

Sr Underwriter

Change Lending, LLC
07.2023 - 02.2024

Condo Project Review Lead

Sprout Mortgage
06.2021 - 07.2022

Condo Underwriter

AmeriSave Mortgage
09.2020 - 06.2021

Condo Underwriter

Finance of America
11.2014 - 08.2020

Condo Project Approval Specialist

Bank of America
01.2005 - 11.2014

Bachelor of Science Degree - Business Administration

California State University - East Bay
10.1997 - 06.2001
Cedrick QueenUnderwriter | Financial Reviewer | Data Entry and Database Mgmt | Researcher | Analyst | Customer Service Champion