Lesley Martin
Costa Mesa,CA
Summary
Results-driven Mortgage Underwriter and Account Manager with 25+ years of experience in assessing risk, making informed loan decisions and ensuring compliance with regulatory standards. Adept at balancing risk management with customer service, delivering clear and timely decisions that align with company goals. Skilled in utilizing advanced underwriting tools and collaborating with cross functional teams to optimize processes, reduce errors, and improve turnaround times. Committed to upholding the highest standards of quality and compliance in a fast-paced, dynamic lending environment.
Overview
12
12
years of professional experience
Work History
Wholesale Mortgage Account Manager
EPM
10.2024 - Current
- Wholesale Broker relationship management
- Loan Program Expertise
- Pipeline management and pull through
- Issue escalation and resolution
- Pricing, Rate Sheet and lock desk collaboration
- Demonstrate excellent follow-through with all supporting departments
Executive Assistant
Snap Finance
09.2022 - 09.2024
- Multi Tasked many requests from the Sales Department – Field and Leadership
- Assistant to Chief Sales Officers
- Coordinate within departments for optimal results
- Analyze monthly Expense reimbursement data
- Report creation for Executive leadership
Sr.DE Underwriter
Nations Direct Mortgage
01.2020 - 05.2022
- Ensured that loan submittals met external and internal loan eligibility requirements
- Provided meticulous attention to detail in underwriting mortgages.
- FHA, Streamlines, and Conventional loans reviewed, perform manual underwrites to
- FHA/HUD guidelines
- Evaluated the financial strength of borrowers to determine risk and repayment capacity
- Knowledge of real estate values and appraisal analysis
- Demonstrated excellent follow-through with Brokers, Account Managers, Management throughout the UW process.
- Within Top 10 producing UW's each month.
Sr.DE Underwriter
Carrington Mortgage
01.2017 - 04.2020
- FHA, Streamlines, 203K and Conventional loans reviewed, perform manual underwrites to
- FHA/HUD guidelines
- Evaluated the financial strength of borrowers to determine risk and repayment capacity
- Knowledge of real estate values and appraisal analysis
- Demonstrated excellent follow-through with Brokers, Account Managers, Management throughout the UW process.
- Within Top 3 producing UW's each month.
UNDERWRITER III
Network Capital
01.2014 - 01.2015
- Conventional, FHA, FHA Streamlines and VA-IRRRL's
- Leveraged advanced usage of AUS - Encompass
- Evaluated the financial strength of borrowers to determine risk and repayment capacity
- Knowledge of real estate values and appraisal analysis
Skills
- Risk Analysis and Assessment
- Compliance and regulatory adherence
- Loan Decision Making
- Leveraged Encompass (AUS) to increase loan processing
- Loan Structuring and Product Knowledge
- Customer Service and Communication
- Quality control and Auditing
- Collaboration with Stakeholders
Timeline
Wholesale Mortgage Account Manager
EPM
10.2024 - Current
Executive Assistant
Snap Finance
09.2022 - 09.2024
Sr.DE Underwriter
Nations Direct Mortgage
01.2020 - 05.2022
Sr.DE Underwriter
Carrington Mortgage
01.2017 - 04.2020
UNDERWRITER III
Network Capital
01.2014 - 01.2015