Cortney Barthelemy-Lee
Charlotte,NC
Summary
Seasoned Mortgage Underwriting Manger/ Operations Manager and talented leader with 20 years of experience applying exceptional planning and problem-solving abilities toward enhancing business plans and day-to-day activities. Results-driven and resilient in developing teams while improving processes and increasing productivity. Bringing solid understanding of industry trends, excellent communication skills, talent for spotting areas in need of improvement and implementing changes with strategic approach.
Overview
16
16
years of professional experience
Work History
Underwriting/ Operations Manager
HAUS
11.2021 - 02.2024
- Preformed routine auditing of current portfolio
- Worked the the engineering team to buildout of the operating system of record
- Created and wrote the company's product guidelines
- Reduced operational risks while organizing data to forecast performance trends.
- Spearheaded process improvements, resulting in increased productivity and reduced operational costs.
- Enhanced customer satisfaction by establishing clear communication channels and addressing concerns promptly.
- Increased profit by streamlining operations.
- Developed systems and procedures to improve operational quality and team efficiency.
- Implemented business strategies, increasing revenue, and effectively targeting new markets.
- Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines.
Underwriting Manager
Consolidated Analytics
07.2019 - 09.2021
- Managed a team of Underwriting team leaders and Processors Managers
- Completed performance reviews
- Mentored Underwriting and Processing team leaders in best practices, contributing to their professional development within the organization.
- Ensured efficient workflow management by establishing clear priorities and monitoring progress regularly.
- Improved underwriting performance by streamlining processes and implementing best practices.
Underwriter III
Round Point Mortgage
07.2019 - 09.2020
- Maintained compliance with lending, underwriting and government requirements
- Evaluated the financial strength of borrowers to determine risk and repayment capacity
- Designated to work projects for the Underwriting and other departments within the company
- Examined loan documentations for accuracy and completeness
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Underwriter III
Navy Federal Credit Union
08.2018 - 07.2019
- Approve and decline mortgage loans submissions according to signing authority
- Analyzes exceptions rejections and recommend alternative mortgage products
- Perform secondary loan reviews
- Analyze the credit worthiness of a Member by performing a quantitative analysis of financial statements, credit reports and applicable ratios
- Working knowledge of Empower
Operations Manager
Benefits Assistance Management
01.2018 - 08.2018
- Identified inefficiencies and made recommendations for process improvements
- Initiated program that standardized employee training and led to increase in customer satisfaction by 12%
- Generated reports detailing project information and predictions
- Upheld quality standards by monitoring and correcting work
- Stayed current on the category market in order to take advantage of the latest trends
- Served as mentor to junior team members
- Utilized strategic and forward-thinking business techniques to maximize turnover
- Determined project schedules and maintained timeline with proactive adjustments to workflow.
Remote Senior Underwriter
DHI Mortgage
07.2015 - 11.2017
- Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability
- Ensured loan submittals met internal and external eligibility requirements
- Gained extensive experience in underwriting Fannie Mae (DU) Freddie Mac (LP), Jumbo, Bond and MCC loans
- Maintained meticulous attention to detail in underwriting mortgages
- Evaluated the financial strength of borrowers to determine risk and repayment capacity
- Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals
- Maintained compliance with lending, underwriting and government requirements
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Senior Underwriting Analyst
Core Consulting Agency
04.2013 - 05.2015
- Developed, produced and enhanced risk reports for all business units
- Prepared internal quarterly and annual portfolio monitoring reports
- Diligently reviewed the specialty loan portfolio for compliance with all reporting requirements
- Communicated regularly with management regarding portfolio performance and new loan transaction quality
- Analyzed financial information obtained from clients to determine strategies for meeting clients' financial objectives
- Reviewed clients' accounts and results regularly to determine whether life changes, economic developments or financial performance indicated a need for plan revision
- Monitored risk on a weekly, monthly, quarterly and annual basis
- Complied with regulatory requirements including Bank Secrecy Act, Anti-Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
- Maintained confidentiality of bank records and client information.
Remote Senior Underwriter SAFE
Citi Bank
09.2012 - 04.2013
- Responsible for underwriting residential loans Responsible for ensuring compliance with appropriate company and secondary market investor guidelines
- Examined loan documentations for accuracy and completeness
- Worked with loan originators and production staff to secure all required documents were in file to complete the underwriting process
- Granted exceptions for less senior underwriters
- Withdraw, suspended, counteroffered and decline loans
- Examined credit, appraisal, co-ops, assets and income self-employed) for risk and completeness.
Senior Underwriter (Safe)
Wells Fargo Home Mortgage
11.2009 - 06.2012
- Review assigned credit applications and make sound and consistent loan decisions within assigned Lending authority analyzing credit risk, migrating factors, performing income evaluation, managing turn time, to approve or counteroffer
- Review test case files for less senior underwriters to obtain lending authority
- Provided written and verbal feedback to Lending Officers and Team Leaders
- Perform other duties as assigned, special projects, including call Polite Team and Wells East Conversion team requiring extensive knowledge of department operations policies and procedures
- Utilize creative problem solving skills to overcome approval obstacles reporting compliance issues to management
- Report to management on areas of conversion; thrive on meeting goals within time limits
- Work with sales partners focus on high volume personal production, new business generation, business system development, and provide relationship feedback to supervisor/manager
- Mentor and used as a resource for underwriting staff, directing and coaching lower level team members
- Worked on a sixth month Wealth Management Project duties was as followed: Analyzes complex personal tax returns, business returns, financials and credit information for SPL business
- Review high net worth customer loan packages according to business unit standards
- Underwrite loans with aggregate credit exposure
- Compile, analyze, document loan data and credit risk, borrower, property information, and coordinate activities in support of the credit approval process
- Investigate credit standards and determine credit worthiness of high net worth loans Review financial statements and reports
- Perform complex research and analysis related to loan projects, such as industry studies and management reports.
Regional Operations Manager
Daicorp Processing Center
12.2007 - 11.2009
- Provide onboard training to new employee's
- Underwriting training facilitator for new employee's
- Publisher of credit policy for Conventional loans
- Identified operational processes inefficiencies and recommended necessary improvements
- Executed and reported variance and gap analysis
- Coordinated with underwriters, lenders, loan managers and securitization teams to manage portfolios
- Created monthly PowerPoint presentations illustrating business performance and goals
- Monitored and analyzed Key Performance Indicators (KPI) and financial ratios
- Oversee pipeline of 500-550 loans per month Managed a team 8 direct reports and 40 indirect reports Preformed monthly site auditing, analyzed quarterly QA trends and developed training processes based on the level of risk
- Contribute to audit process and reporting improvement
- Analyzed production and workload distribution reports to identify underwriting actions trends (accept, modify, and reject the policy), and recommend sufficient resources to meet business objectives Ensured compliance with company procedures Coordinated training and identify areas of development and creating training to staff
- Responsible for the quality and quantity of risks underwritten and for reporting accordingly Participated in interviewing/hiring process, job fairs, recruiting
- Made recommendations for hiring in concert with hiring team Involved in the employees performance development, mid and annual reviews, corrective actions, recommends termination, performance improvement plans, cross training Worked with enterprise wide trainers to conduct product/policy training
- Also collaborated with Contact Center and conduct Underwriting training for Customer Service Developed positive partnerships with brokers and vendors
- Perform prudent analysis of all Loan applications to render QA Audit Results consistent with the Corporate Rules Governing Extension of Credit, credit policies, Government Lending Policies, and procedures, and all applicable Federal/Regulatory guidelines (ECOA, Fair Lending, CRA, FCRA, etc.)
Education
Bachelor of Arts - Mathematics Business Administration Finance and Risk Management Insurance
American Public University
Charlotte, NCDiploma -
John Ehert High School
Marrero, LA03.2000
Skills
- Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability
- Ensured loan submittals met internal and external eligibility requirements Have extensive experience in underwriting Fannie Mae loans
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process
- Maintained meticulous attention to detail in underwriting mortgages Evaluated the financial strength of borrowers to determine risk and repayment capacity
- Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals
- Maintained compliance with lending, underwriting and government requirements
Timeline
Underwriting/ Operations Manager
HAUS
11.2021 - 02.2024
Underwriting Manager
Consolidated Analytics
07.2019 - 09.2021
Underwriter III
Round Point Mortgage
07.2019 - 09.2020
Underwriter III
Navy Federal Credit Union
08.2018 - 07.2019
Operations Manager
Benefits Assistance Management
01.2018 - 08.2018
Remote Senior Underwriter
DHI Mortgage
07.2015 - 11.2017
Senior Underwriting Analyst
Core Consulting Agency
04.2013 - 05.2015
Remote Senior Underwriter SAFE
Citi Bank
09.2012 - 04.2013
Senior Underwriter (Safe)
Wells Fargo Home Mortgage
11.2009 - 06.2012
Regional Operations Manager
Daicorp Processing Center
12.2007 - 11.2009
Bachelor of Arts - Mathematics Business Administration Finance and Risk Management Insurance
American Public University
Diploma -
John Ehert High School
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