LAURA M. KING
Robertsdale,USA
Summary
Results-oriented mortgage lending professional with 36 years of extensive expertise in loan origination, appraisals, credit underwriting, and customer service. Proven success as a branch and regional manager overseeing 50+ employees for a national title insurance company, redefining processes and mentoring colleagues to achieve career aspirations while significantly enhancing overall production performance. Proficient in Navy Federal products, programs, policies, and procedures, with a strong track record of implementing quality control measures and resolving post-lending issues for investors including FNMA and Freddie Mac. A strategic thinker with hands-on experience in delivering innovative solutions that drive organizational performance and efficiency.
Overview
27
27
years of professional experience
Work History
Appraisal Underwriter II
Navy Federal Credit Union
10.2023 - Current
- Manage pipeline of appraisals and pending updates, review and submit ROV requests and appraisal revisions.
- Analyzed property appraisals to determine accurate loan-to-value ratios and mitigate potential risks.
- Communicate with production staff on any changes, revisions or corrections that occur. Address escalations when necessary to ensure timely delivery of the appraisal.
- Address QC reviews, document procedural changes and maintain record of all appraisal reviews completed.
- Create and present huddle training sessions to improve mortgage production's understanding of appraisal methodologies and ROV procedures.
GOVERNMENT MORTGAGE UNDERWRITER II
InLanta Mortgage LLC
09.2021 - 07.2022
- Government underwriting for mid-size mortgage company where all loan products were sold to investors; FHA, VA and Conventional loans.
- Analyzed complex financial documents and identified potential risks in mortgage applications, including self employed borrower income reviewing 10 + loans per day.
- Approved or denied loans based on established criteria and underwriting guidelines.
LEAD MORTGAGE UNDERWRITER
Tyndall Federal Credit Union
08.2020 - 08.2021
- Supervised a team of six underwriters for credit and collateral review. Hired and trained incoming production staff and new underwriters.
- Mentored junior underwriters on best practices in risk analysis and decision-making protocols.
- Evaluated production performance, advised Human Resources on staffing needs, wrote published job descriptions, interviewed and hired applicants.
- Developed training and process improvements for the department and assisted production in meeting the monthly goals.
- Prepared NOV for VA Loans, reviewed Conventional, FHA appraisals and requested revisions when necessary. SAR# 025058
- Personally handled and resolved issues on all mortgage products that were returned for investor buyback or post closing guarantee through VA and FHA.
- Underwrote Fannie/Freddie/VA, IRRRL, FHA, USDA, Construction loans and Equity.
Mortgage Underwriter II / MLO II
Navy Federal Credit Union
04.2014 - 08.2020
- Top 10 Mortgage Loan Officer closing in excess of monthly minimum with high member service scores.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Promoted to Underwriter II in 2018
- Evaluated mortgage applications for compliance with established guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Underwriting Claims Manager
First American Title Insurance Company
07.2006 - 10.2013
- Collaborated with closing offices and legal teams to assess risk factors in complex lender and owner's title insurance claims in excess of 30 claims per month.
- Conducted thorough investigations of complex claims, gathering evidence to support decision-making processes.
- Testified on behalf of the company on litigated claims, attended mediations and negotiated settlements with claimants.
Regional/ State Manager
Security First Title Partners
08.2004 - 06.2006
- Led regional sales initiatives for ten branch locations, driving growth and market share across multiple territories throughout metro Atlanta.
- Oversaw budget management, ensuring resource allocation aligned with organizational priorities for maximum impact.
- Collaborated with executive leadership to establish long-term objectives, drive growth initiatives, and align regional efforts with corporate goals.
- Mentored and trained staff on best practices of mortgage settlement while building relationships with lenders and realtors.
Branch Manager
Title Partners of America
02.1999 - 08.2004
- Directed daily operations to enhance performance and achieve strategic goals for two branch locations.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions to promote sales and ensure excellent customer service.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
Education
Bachelor of Arts - Communications
Georgia State University
Atlanta, GA12.1999
Skills
- Proficient in appraisal underwriting
- GSE-compliant underwriting and advanced research and problem solving skills
- Extensive employee management, training and evaluation experience
- Advanced skill presenting findings, conclusions, alternatives and information clearly and concisely
Timeline
Appraisal Underwriter II
Navy Federal Credit Union
10.2023 - Current
GOVERNMENT MORTGAGE UNDERWRITER II
InLanta Mortgage LLC
09.2021 - 07.2022
LEAD MORTGAGE UNDERWRITER
Tyndall Federal Credit Union
08.2020 - 08.2021
Mortgage Underwriter II / MLO II
Navy Federal Credit Union
04.2014 - 08.2020
Underwriting Claims Manager
First American Title Insurance Company
07.2006 - 10.2013
Regional/ State Manager
Security First Title Partners
08.2004 - 06.2006
Branch Manager
Title Partners of America
02.1999 - 08.2004
Bachelor of Arts - Communications
Georgia State University
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