Summary
Overview
Work History
Education
Skills
Additional Information
Work Availability
Timeline
COLETTE HAYS

COLETTE HAYS

There are no secrets to success. It is the result of preparation, hard work, and learning from failure.
Colin Powell

Summary

Personable Mortgage Specialist with 20+ years background in developing and maintaining customer relationships in the mortgage industry. Sound knowledge of federal regulations and underwriting processes. Skilled in evaluating financial and credit histories of clients. Hardworking and flexible individual with 40+ hours of availability per week, including weekends and evenings.

Overview

16
16
years of professional experience

Work History

Mortgage Production Assistant

Direct Lenders, LLC
08.2015 - Current


  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants credit
  • Set up files and submitted on-time for processing.
  • Affirmed loan document accuracy to protect lenders from potential fraud.
  • Documented borrower's information in loan processing system and resolved any discrepancies.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.

Account Executive

Hydrodynamics
02.2014 - 04.2015
  • Established and strengthened client relationships with new and existing accounts
  • Analyzed customer needs, developed proposals, and scheduled services
  • Assured all goals had been met and resolved any issues through sound judgment by following up with
  • Serviced accounts and proposed new products and services to maximize revenue.
  • Resolved issues promptly to drive satisfaction and enhance customer service.

Underwriter

Primary Residential Mortgage
01.2013 - 01.2014
  • Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
  • Evaluated loan applications for affordability and conformance with underwriting guidelines.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Determined and documented loan conditions and communicated requirements and decisions.

Underwriter

Real Estate Mortgage Network
01.2012 - 01.2013

Underwriter

MetLife Home Loans
01.2011 - 01.2012

CSR, Underwriter

Flagstar Bank
01.2007 - 01.2011

Education

High School Diploma -

Guilderland High School, Guilderland Center, NY
06.1981

Skills

  • Financial Analysis
  • Analytical and Critical Thinking
  • Credit Analysis
  • Microsoft Office/CRM/Multiple LOS Systems
  • Regulatory Disclosure Preparation
  • Underwriting Process Expertise
  • NMLS Registration

Additional Information

  • LICENSES & AWARDS : Customer Service Recognition Bronze Recipient – Manager of the Month
  • NMLS/MLO

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Mortgage Production Assistant - Direct Lenders, LLC
08.2015 - Current
Account Executive - Hydrodynamics
02.2014 - 04.2015
Underwriter - Primary Residential Mortgage
01.2013 - 01.2014
Underwriter - Real Estate Mortgage Network
01.2012 - 01.2013
Underwriter - MetLife Home Loans
01.2011 - 01.2012
CSR, Underwriter - Flagstar Bank
01.2007 - 01.2011
Guilderland High School - High School Diploma,

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