Cynthia Mackey
Berlin,MD
Summary
A seasoned professional in finance and marketing environments. Outstanding leadership and project management record. Major strengths in planning, organizing, implementing, and managing. Expertise includes financial analysis, problem solving, and team leadership. Proven ability to deal effectively with a broad range of people having diverse needs. Detail-oriented; appropriate prioritization, and focused analysis. Diffuses situations and resolves issues; works well under pressure. Enjoys challenges, and committed to the task at hand. High energy level, dedicated to meeting/exceeding objectives. Business practices are guided by a strong sense of personal ethics.
Overview
17
17
years of professional experience
Work History
Sr. Mortgage Underwriter
S3 Shared Service Solutions
11.2017 - Current
- Work directly with 2 large credit unions, and Brokers on Purchase, Refinance transactions
- Review all aspects of Credit, Income, Assets, and Collateral to meet Agency Guidelines
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as FNMA, FHLMC.
Sr. Loan Processor
Sierra Pacific Mortgage
05.2015 - 06.2017
- Review new loan applications for income, asset, credit, and program guidelines
- Work directly with Loan Officers, Underwriters, and Closers
- Thorough knowledge of the TRID process, including LE, CD, and timelines
- Current on guidelines for all agencies, FNMA, FHLMC, FHA, VA, USDA, including various bond programs throughout the east coast.
Sr. Loan Processor
Corridor Mortgage
08.2014 - 05.2015
- Review new loan applications for income, asset, credit, and program guidelines
- Work directly with Loan Officers, Underwriters, and Closers
- Current on guidelines for all agencies, FNMA, FHLMC, FHA, VA, USDA, including various bond programs throughout the east coast
- Contributor to the Construction/Perm implementation product.
Sr. Loan Processor
MORTGAGE DEPARTMENT SERVICES
07.2013 - 08.2014
- Review new loan applications for income, asset, credit, and program guidelines
- Work directly with Loan Officers, Underwriters, and Closers
- Thorough knowledge of the Dodd Frank Act/Quality Mortgage/Ability To Repay
- Construction/Perm, Lot loans, Conventional, and FHA financing.
Regional Sales Manager
PNC Mortgage, LLC
08.2007 - 10.2009
- Managed a sales team of 6 loan officers and secured accounts on the Eastern Shore, MD
- Oversaw productions levels of $60M in 2006, $84M in 2007, and $89M in 2008
- Facilitated with increasing production through networking, training, and joint sales appointments
- Analyzed demographics and spearheaded targeting new clients increasing business revenue
- Recruited, trained staff and held workshops developing attainable goals and referral sources
- Produced profit/loss statements and managed expenses ensuring profitability
- Achieved $10M annually in personal production levels
- Acted as liaison to lending institutions, and developed networks with Realtors, and homebuyers.
Education
Business Administration -
Catonsville Community College
Catonsville, MDSkills
FNMA Guidelines
Strong decision-making
Mortgage industry knowledge
Debt-to-Income Ratios
Loan Underwriting Expertise
Residential Loans
LTV Calculations
Jumbo and Super Jumbo Loans
Application Analysis
Areasofeffectiveness
- General Management
- Communications
- Strategic Planning/Marketing
- Training/Development
Timeline
Sr. Mortgage Underwriter
S3 Shared Service Solutions
11.2017 - Current
Sr. Loan Processor
Sierra Pacific Mortgage
05.2015 - 06.2017
Sr. Loan Processor
Corridor Mortgage
08.2014 - 05.2015
Sr. Loan Processor
MORTGAGE DEPARTMENT SERVICES
07.2013 - 08.2014
Regional Sales Manager
PNC Mortgage, LLC
08.2007 - 10.2009
Business Administration -
Catonsville Community College
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