Summary
Overview
Work History
Education
Timeline
Generic

Jackie Springfield

Desoto,TX

Summary

I am an experienced professional with a successful career in mortgage banking, business development and administration. Excel at interfacing with others at all levels to ensure organization goals are attained. Possess excellent interpersonal, analytical and organizational skills.

Overview

28
28
years of professional experience

Work History

Senior Mortgage Underwriter/Team Leader

People Source Mortgage
Dallas, TX
01.2022 - 07.2023
  • Oversee Production Workflows. Monitor and manage work queues to ensure tasks are complete within established timelines. Adjust workflows as needed based on traffic patterns.
  • Lead and assist with internal audit process of the underwriting team. Assign underwriters new loans.
  • Provide comprehensive guidance, training, and floor support to both the team and new team members, ensuring continuous improvement.
  • Review wage earner and self employed Income, financial statements and credit reports to make sure ratios meet guidelines for DU and LP findings.
  • Underwrite new loans and clearing resubs with a closing minium of 45 loans a month.
  • Underwrite Jumbo loans.
  • Underwrite with a lending authority up to $750,000 .
  • Review appraisals to make sure value is supported and examine the SSR to make sure the score is 4 or under.
  • Examined all transactions to ensure accuracy and completeness.
  • Remote access to work from home using Encompass system.

Senior Mortgage Underwriter

Supreme Lending
Dallas, TX
03.2020 - 12.2021
  • Review wage earner and self employed Income, financial statements and credit reports to make sure ratios meet guidelines for DU and LP findings.
  • Underwrite new loans and clearing resubs with a closing minium of 45 loans a month.
  • Underwrite loans staying under the audit deficiency of 3.5%.
  • Underwrite Jumbo loans.
  • Underwrite with a lending authority up to $750,000 .
  • Review appraisals to make sure value is supported and examine the SSR to make sure the score is 4 or under.
  • Examined all transactions to ensure accuracy and completeness.
  • Assist on re-negotiations of loans based on lending guidelines.
  • Remote access to work from home using Encompass system.
  • Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.

Senior Mortgage Underwriter

Source Point Mortgage
Palm Beach, FL
07.2019 - 03.2020
  • Reviews financial statements, credit reports and applicable ratios (Debt rations and Loan to Value).
  • Reviews title for clearance of all liens and judgments.
  • Underwrite loans under the, and Freddie Mac guidelines using LP and DU.
  • Examined transactions to ensure accuracy and completeness.
  • Assisted with re-negotiations of loans based on lending guidelines.
  • Review title for clearance of liens and judgments.
  • Review appraisals and tax returns for self-employed borrowers.
  • Remote access to work from home using Encompass software.

Senior Post Closing Auditor

Mr. Cooper Mortgage
Irving, TX
10.2017 - 05.2019
  • Provided professional communication to business partners, investors and borrowers.
  • Direct, assign and assist in clearing post closing conditions.
  • Work with investors, secondary marketing and post closing to ensure all stipulations are cleared timely.
  • Audit files post close and pre-investor delivery for accuracy compliance.
  • Review daily management reports to meet timelines and production goals.

Frontline Underwriter II

Mr. Cooper/Nationstar
Irving, TX
08.2012 - 10.2017
  • Guidelines using DU and LP.
  • Review financial statements, income, credit reports, for applicable rations for DTI, GFE, TIL HUD and all applicable compliance documents.
  • Review title for clearance of liens and judgments.
  • Review appraisals and HOI insurance.
  • Remote Access to work from home Implementing fraud detection techniques.

Senior Remediation Underwriter

JP Morgan Chase
02.2010 - 09.2012
  • Analyze financial statements, develop and evaluate operating and project reports.
  • Review and evaluate risks that define the value of assets and liabilities.
  • Review, analyze and underwrite loans that are a part of the Home Lending overflow team.
  • Loans Underwritten included Imminent Default, Fannie and Freddie NPV underwritten based on HAMP guidelines.
  • Rework loans that were originally denied for a HAMP returned from Treasury to overturn.
  • Train and lead a team on underwriting guidelines and production requirements to facilitate productivity and set goals to improve accuracy and communication.

Frontline Underwriter

CSI/Wells Fargo Mortgage
Bloomington, MN
03.2009 - 01.2010
  • Reviewed financial statements, credit reports and applicable rations (Debt rations and Loan to Value).
  • Examined transactions to ensure accuracy and completeness.
  • Underwrote loans under the Fannie Mae and Freddie Mac guidelines using LP and DU.
  • Acted as liaison between customers and attorney to assist in documentation needed and instructions on closing process.
  • Assisted with re-negotiations of loans based on lending guidelines.
  • Reviewed title for clearance of all liens and judgments.

Branch Manager/Underwriter

Supreme Home Loans
Memphis, TN
05.2006 - 04.2009
  • Responsible for handling and management of the day to day operations.
  • Responsible for recruiting new employees and orientation for new hires, Acted as liaison between customers and brokers to assist in documentation needed and instructions on closing process.
  • Reviewed financial statements, credit reports to ensure borrowers met broker's guidelines.

Frontline Underwriter

Wells Fargo Mortgage
Birmingham, AL
06.2001 - 05.2006
  • Reviewed financial statements, credit reports and applicable ratios (Debt rations and Loan to Value).
  • Reviewed title for clearance of all liens and judgments.
  • Underwrote loans under the Fannie Mae and Freddie Mac guidelines using LP and DU.
  • Examined transactions to ensure accuracy and completeness.
  • Assisted with re-negotiations of loans based on lending guidelines.
  • Acted as liaison between customers and attorney to assist in documentation needed and instructions on closing process.

Loan Originator

First Tennessee Bank
Memphis, TN
01.1999 - 06.2001
  • Take complete application; analyze applicant information to determine which program fits the borrower.
  • Pull credit, analyze and compare for accuracy with borrowers financials.
  • Gathered all initial documentation required for the selected program.
  • Provided the loan package to the processor for review.
  • Worked with the processor to get any other documentation to make file go smooth.

Mortgage Loan Processor

First Tennessee Bank
Memphis, TN
07.1995 - 01.1999
  • Reviewed residential loan application files for completeness.
  • Reviewed credit for derogatory, bankruptcies and judgments.
  • Ordered title work.
  • Verified employment.
  • Called specific companies to obtain property surveys.
  • Typed and mail approval and denial letters.

Education

. -

University Tennessee At Martin
Martin, TN
08-1985

Timeline

Senior Mortgage Underwriter/Team Leader

People Source Mortgage
01.2022 - 07.2023

Senior Mortgage Underwriter

Supreme Lending
03.2020 - 12.2021

Senior Mortgage Underwriter

Source Point Mortgage
07.2019 - 03.2020

Senior Post Closing Auditor

Mr. Cooper Mortgage
10.2017 - 05.2019

Frontline Underwriter II

Mr. Cooper/Nationstar
08.2012 - 10.2017

Senior Remediation Underwriter

JP Morgan Chase
02.2010 - 09.2012

Frontline Underwriter

CSI/Wells Fargo Mortgage
03.2009 - 01.2010

Branch Manager/Underwriter

Supreme Home Loans
05.2006 - 04.2009

Frontline Underwriter

Wells Fargo Mortgage
06.2001 - 05.2006

Loan Originator

First Tennessee Bank
01.1999 - 06.2001

Mortgage Loan Processor

First Tennessee Bank
07.1995 - 01.1999

. -

University Tennessee At Martin

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Jackie Springfield