Doris A Vinson
Wylie,TX
Summary
Dynamic and accomplished professional with a solid reputation for mastering industry regulations and guidelines, driving accuracy in fast-paced environments. Over 22 years of experience providing an expert-level understanding of best practices and complex workflows including Fannie Mae, Freddie Mac, and lender/investor regulations. Entrusted with a lending authority. Proficient in a wide array of proprietary software packages and regulatory agency requirements such as Loan Prospect, AS400, DataTrac, Empower, Microsoft Office, Word, Excel, Outlook, FHA, VA, USDA, LOS Encompass, and Calyx Point. Encompass AS400 and Calyx and other company applications. Highly skilled in Documents Analysis, Time Management/Problem Solving, and Risk Management, and NMLS 377573. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Loan Speciialist III
SBA / District Partner
Remote
06.2020 - Current
- Reviews and analyzes requests from borrowers or lenders in relation to servicing.
- Analyzes financial statements necessary to detect trends in the financial condition of the business and to initiate appropriate corrective actions.
- Reviews and associates trailing documents loan files or transfers files,
- Proficient in the use of personal computers & word processing or spreadsheet applications.
- Reviews Paycheck Protection Program (PPP) and Restaurant Revitalization Fund (RRF) loan applications for eligibility, accuracy, completion, and determination.
- Manages the status of loan applications within Small Business Administration (SBA), internal database for receipt of approval after R1 and R2 reviews.
- QM/ATR, NQM, non-agency and investor specific loans.
- Reviews PPP / RRF loan applications to ensure eligibility, accuracy, and completion prior to processing.
- Utilizes excellent verbal and written communication and people skills with co-workers, clients, members, and the community, and in all work products.
- Highly organized and meticulous, flexible, and collaborative with an ability to prioritize and manage multiple tasks simultaneously.
- Performs basic math calculations to verify calculations submitted by the borrower.
- Managed time efficiently in order to complete all tasks within deadlines
- Organized and detail-oriented with strong work ethic
- Learned and adapted quickly to new technology and software applications
- Organized and detail-oriented with strong work ethic
- Paid attention to detail while completing assignments
Due Diligence Underwriter
Consolidated Analytics
Remote
08.2021 - 07.2022
- Reviews and analyzes requests from borrowers or lenders in relation to servicing
- Analyzes financial statements necessary to detect trends in financial condition of business and to initiate appropriate corrective actions
- Conducts research necessary to assist lenders in answering inquiries regarding recently submitted actions or inquires
- Reviews and associates trailing documents loan files or transfers files,
- Analyze and make recommendations on transaction requests in accordance with existing Agency SOP's or guidelines.
- Skilled at working independently and collaboratively in team environment
- Demonstrated leadership skills in managing projects from concept to completion
Office Manager
Seis Lagos Utility District
05.2019 - 05.2021
- Assists with providing quality assurance and quality control for data within systems
- Compiles and reviews data and prepare reports
- Processes, methods, and tools to increase efficiency of operational activities
- Complete all financial management practices, QuickBooks functions
- Creates, reviews, analyzes reports within information systems and as required by regulatory agencies
- Contributes to development of Standard Operating Procedures (SOPs)
- Operate Microsoft Office, Excel software array of operations, maintenance
- Administrative data, providing valuable reports and information
- Comply with all policies and procedures
- Hiring all new employees.
- Maintained computer and physical filing systems
- Updated reports, managed accounts, and generated reports for company database
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving
- Established workflow processes, monitored daily productivity, and implemented modifications to improve overall performance of personnel.
Due Diligence Underwriter
American Mortgage Consultant Dba Situs
Remote
11.2018 - 01.2021
- Reviewed loan files and updated to match current standards.
- Provide analytical support in underwriting and closing of commercial real estate loans on behalf of our clients
- Review, analyze and/or interpret financial operating statements, rent rolls, third party reports, tenant lease agreements, surveys, title reports, zoning reports, property insurance policies, credit reports, and other underwriting due diligence requirements
- Perform site inspections, determine appropriate market comparables for property valuation and asset summary report, and complete tenant analyses
- Research, analyze and summarize tenant level information including financial trends
- Extract pertinent data from appraisal, and engineering reports
Underwriter
Loan Depot
10.2017 - 11.2018
- Loan reviews and underwriting while achieving compliance with FNMA, FHLMC, and investor - guidelines, analyzed loan files to identify risk or potential misrepresentation, and assessed income, credit, and equity of loan files
- Risk Analysis
- Identification of risky or potentially fraudulent loans
- Served as Policy and Guideline Expert: mortgage industry credit guidelines, and policies for HMDA, VA, FHA, FNMA, FHLMC & USDA for mortgage applications, contracts, appraisals, title commitments
- Handle investor's release and communication., Loan reviews and underwriting, including assessment of income, credit, equity
- Training new processors on FNMA, FHLMC, and investors guidelines: income, credit, and equity of loan files
- Entrusted with lending authority
- Independently performed comprehensive evaluations on complex, high -risk loan applications and generated decisions to prevent company loss
- Expertise in HMDA, FHA, VA, Jumbo, Conventional, Bonds Loans, Renovation, MDIA, R ESPA
- Run, read, and interpret AUS results to include FHA, GUS, DU, and LP.
Underwriter
Homeward Residential, LLC dba Owen
04.2013 - 06.2017
- Loan reviews and underwriting while achieving compliance with FNMA, FHLMC, and investor guidelines, analyzed loan files to identify risk or potential misrepresentation, and assessed income, credit, and equity of loan files
- Expertise in HMDA, FHA, Full Docs, Streamlines, Jumbo, Conventional, Harp, MDIA, RESPA,
- Systems Matter Expert TRID Disclosures
- Handle investor release and all communications.
Sr. Loan Processor
Pacific Union Financial
11.2012 - 04.2013
- Loan reviews and underwriting while achieving compliance with FNMA, FHLMC, HMDA, FHA, VA, Jumbo, Bonds, Streamlines, HARP, HAMP, Respa, TRID, purchase, refinance and investor - guidelines, analyzed loan files to identify risk or potential misrepresentation, and assessed income, credit, and equity of loan files
- Investigation and risk assessment and decision-making on real estate properties, credit, and income, including potential clients.
Education
High School Diploma -
Jasper High School
Jasper, TXSkills
- Real Estate Loans
- Issue Resolution
- Bank Secrecy Act
- Government Lending
- Government Standards
- FHA Loan Processes
- Analytical and Critical Thinking
- Knowledge of VA Loan Process
- Financial Service Solutions
Certification
- Notary License - 2009
Timeline
Due Diligence Underwriter
Consolidated Analytics
08.2021 - 07.2022
Loan Speciialist III
SBA / District Partner
06.2020 - Current
Office Manager
Seis Lagos Utility District
05.2019 - 05.2021
Due Diligence Underwriter
American Mortgage Consultant Dba Situs
11.2018 - 01.2021
Underwriter
Loan Depot
10.2017 - 11.2018
Underwriter
Homeward Residential, LLC dba Owen
04.2013 - 06.2017
Sr. Loan Processor
Pacific Union Financial
11.2012 - 04.2013
High School Diploma -
Jasper High School
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