Cheryl Yvette Playford

April 2011 - December 2015: Home Services Specialist II and promoted to Home Service Specialist III (Sr Loan Processor) for Conventional Loans (Conforming and Non-Conforming. Ordered income and collateral documents and reviewed all aspects of risk, income, credit, assets and collateral documents and cleared collateral conditions. Awarded my Officer Corporate Title February 2015.

January 2016 - January 2024: Sr Mortgage Underwriter/Corporate Title of Officer. Reviewed all aspects of risk, income, credit, assets and collateral documents. Underwrote Conventional Loans (Conforming and Non-Conforming) for Merrill Lynch High Net Worth clients. Signing Authority $1.5MM.

January 2024 - June 2025: Commercial Credit Analyst/Corporate Title of Officer. Reviewed all aspects of risk, credit and assets for client qualification of credit card devices for credit card processing in the Small Business Merchant Services Credit Underwriting line of business. I was re-deployed from mortgage in January 2024 to this position along with my team. Credit Authority $25K.

Went back to Bank of America contract during this time until hired back full time 4/25/2011.

Ordered income, asset and collateral documents required for each mortgage loan such as verbal and full written verification of employment, deposit verifications, appraisals, home owners insurance, flood insurance, title and mortgage insurance.

Reviewed all aspects of risk, income, credit, assets and collateral documents to submit to Underwriting. I also cleared certain conditions within my authority from these same categories.

• Set up and completed loan submission packages for Sub-Prime and Conventional Loans.
• Prepared documents for underwriting by verifying client income, credit reports, and other information.
• Handled any conditions sent from underwriting departments.
• Coordinated closing process with attorneys, title companies, and closing attorneys.

Reviewed all aspects of risk, income, credit, assets and collateral documents and cleared any conditions within my authority for Conventional Loans.

Communicated with clients in regards to status, additional documentation required, and scheduled closings between clients, closing department and closing agents/title companies.

Processed and Underwrote Sub Prime loans. Signing Authority $250K.

Reviewed all aspects of risk, income, credit assets and collateral documents to make informed credit decisions on loans underwritten.

Cleared applicable conditions on loans within my $250K authority.

Coordinated closings between loan officers and closing department.

Submitted loans for pre-funding quality control prior to scheduling closings.

Processed Comforming, Alt A and Sub-Prime loans.

Ordered all necessary verification documents for income and assets, including appraisals and titles.

Underwrote Conforming Loans by reviewing all aspects of risk, income, credit, assets, and collateral documents and submitted the full packages to Corporate for review for approval and decline decisions to be issued. I did not hold a signing authority, it was in the works when I was laid off in September 2006.

Note: Sterling National Mortgsge purchased Capital Mortgsge Funding.

• Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues between clients and loan officers.
• Prepared documents for underwriting by verifying client income, credit reports, assets and other information and submitted full underwriting package to lenders.
• Coordinated closing process with attorneys, title companies, and clients.
• Evaluated approvals against established bank and government lending standards received from our lenders to gather any remaining conditions/documents for final approval and closing.