Open To Work
Cynthia Mackey
Sheppard Realty
Berlin,MD
Work Preference
Job Search Status:
Open to work
Desired start date:
Open to discussion
Desired Job Title
Sr. Mortgage Underwriter
Work Type
Full Time
Location Preference
Remote
19
years of professional experience
A seasoned professional in Real Estate sales, 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.
Work History
Real Estate Agent
8 Months- Managed client relationships to ensure satisfaction and repeat business.
- Developed marketing materials, including brochures and online listings, to enhance property visibility.
- Negotiated contracts effectively to secure favorable terms for clients.
- 3.4 million in closed volume since 11/25-6/26
- Licensed in MD 5020095 & DE 0040126
Sr. Mortgage Underwriter
7 Years 11 Months- 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
2 Years 1 Month- 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
9 MonthsSr. Loan Processor
1 Year 1 MonthProperty Manager
1 Year 2 Months- Managed 30 Condo Associations
- Responsible for Accounts Payable/Receivables
- Worked directly with Board of Directors in regards to budget and annual maintenance
- Coordinated maintenance with contractors for all aspects of property i.e. damage repair, mold, interior and exterior
- Worked direction with Lenders in preparing Condo Documentation for lending purposes, Questionnaires, Financial Statements, and Budget
Accommodations/Sole Central Reservations Consultant
1 Year- Managed all aspects of booking accommodations with 10 hotels in resort area
Regional Sales Manager
2 Years 2 Months- 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
Skills
HIPO
FNMA & FHLMC Guidelines
Strong decision-making
Mortgage industry knowledge
SFD
Multi-Family
Condo
CO-OP
Loan Underwriting Expertise
Jumbo and Super Jumbo Loans
AREAS OF EFFECTIVENESS
- General Management
- Communications
- Strategic Planning/Marketing
- Training/Development
Timeline
Real Estate Agent
Sheppard Realty
11.2025 - CurrentRead More
Sr. Mortgage Underwriter
S3 Shared Service Solutions
11.2017 - 10.2025Read More
Sr. Loan Processor
Sierra Pacific Mortgage
05.2015 - 06.2017Read More
Sr. Loan Processor
Corridor Mortgage
08.2014 - 05.2015Read More
Sr. Loan Processor
Mortgage Department Services
07.2013 - 08.2014Read More
Property Manager
Shipley Management Services
04.2012 - 06.2013Read More
Accommodations/Sole Central Reservations Consultant
The Harrison Group
04.2011 - 04.2012Read More
Regional Sales Manager
PNC Mortgage, LLC
08.2007 - 10.2009Read More
Catonsville Community College
from Business Administration
Read More