Heather Shearon
Ponte Vedra,Florida
Summary
Highly motivated, results-oriented individual with 23 years of experience in the mortgage industry (Prime and Non-Prime Lending). Strong work ethic, adept at working effectively unsupervised, and quickly mastering new skills. Detail-oriented and multi-task capable, with a history of advancement. Proficient in MS Word, Excel, PowerPoint, mortgage mainframe systems, and internet applications (Fannie/Freddie). FDIC clearance.
Overview
25
25
years of professional experience
Work History
Mortgage Due Diligence Consultant
MIAC Analytics
Ponte Vedra, Florida
04.2021 - Current
- Conducts comprehensive reviews of closed mortgage loans to ensure compliance with credit guidelines and closing documentation standards.
- Identifies red flags on closed loans, and reports exceptions to clients for unresolved issues and missing documentation.
- Evaluates trailing documentation from clients to assess the potential removal of exceptions.
- Reviews servicing notes and payment history to determine credit worthiness and saleability of the loan.
- Maintains knowledge of changing regulations and guidelines in the mortgage industry.
- Trains new credit reviewers on due diligence systems and processes.
Capital Markets Financial Analyst & Underwriter II
Sand Canyon Corporation (fka Option One Mortgage, fka H&R Block Mortgage)
Irvine, California
10.2005 - 05.2022
- Bundled loans that were to be sold on the whole loan market.
- Worked closely with third-party investors to tie out the Final Mortgage Loan Schedules for pools of loans being sold.
- Worked with third-party investors during the due diligence process in reviewing potential underwriting issues.
- Reviewed repurchase claims on loans in which the purchaser alleged breaches of representations and warranties of the Purchase and Sales Agreement.
- Conducted risk assessments on loan applications using detailed financial analysis.
- Collaborated with loan originators and processors to gather the necessary documentation.
Construction Lending Underwriter/Processor
Wachovia Mortgage Corporation
Jacksonville, Florida
09.2004 - 10.2005
- Analyzed financial information, including income, assets, liabilities, and credit history of applicants, to assess creditworthiness, risk, and eligibility for approval per investor guidelines.
- Reviewed builder compliance documentation, appraisals, and title work.
- Recommended adjustments to loan terms or conditions based on individual circumstances.
- Administered the ordering and coordinating of all appraisals, title commitments, builder documentation, and employment/asset verifications.
- #1 in customer service for the Jacksonville Service Center, with 100% responding that they would do business again.
- Recognized as an exceptional service employee five times.
Construction Lending Counselor
Cendant Mortgage Corporation
Jacksonville, Florida
06.2002 - 09.2004
- Relationship manager between clients, realtors, builders, and loan officers for conventional and non-conventional mortgages.
- Compiled and reviewed income, asset, and credit documentation per investor guidelines.
- Prepared construction disbursement schedules in accordance with each builder’s project cost, building contract, and purchase agreement.
- Managed high-volume inventory levels, up to 100 loans, while maintaining a consistently high level of client satisfaction.
- Trained new team members and sales consultants in the construction lending department to enable their future success.
- Named a Senior Counselor based on consistently high service levels and production.
- Second in the company for construction-to-permanent loans closed.
Sales Manager
Sears Roebuck and Company
Orange Park, Florida
06.2000 - 03.2002
- Managed daily operations of sales department, including supervision of staff members.
- Trained, coached, and mentored junior sales personnel to ensure success in their roles.
- Created and presented monthly reports to management on sales performance.
- Conducted regular meetings with staff members to review goals and objectives for the quarter and year.
- Implemented process changes to streamline sales department workflow.
- Resolved customer complaints regarding sales and service.
Education
Bachelor of Science - Business Administration
University of Florida
Gainesville, Florida05.2000
Skills
- Due diligence
- Risk assessment
- Credit analysis
- Compliance review
- Regulation knowledge
- Mortgage processing
- Teamwork and collaboration
Timeline
Mortgage Due Diligence Consultant
MIAC Analytics
04.2021 - Current
Capital Markets Financial Analyst & Underwriter II
Sand Canyon Corporation (fka Option One Mortgage, fka H&R Block Mortgage)
10.2005 - 05.2022
Construction Lending Underwriter/Processor
Wachovia Mortgage Corporation
09.2004 - 10.2005
Construction Lending Counselor
Cendant Mortgage Corporation
06.2002 - 09.2004
Sales Manager
Sears Roebuck and Company
06.2000 - 03.2002
Bachelor of Science - Business Administration
University of Florida
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