Madeeha (Maddie) Trepanier
Coon Rapids,USA
Summary
Results-driven Mortgage Processing and Underwriting Leader with over 12 years of extensive experience in mortgage underwriting, processing, and operations management. Proven ability to lead high-performing teams, streamline loan operations, and ensure strict compliance with regulatory standards. Expertise in developing efficient workflows, training staff to excel in their roles, and consistently delivering exceptional customer service in dynamic lending environments. Committed to driving operational excellence and fostering a culture of continuous improvement within the organization.
Overview
13
13
years of professional experience
Work History
Real Estate Title Associate
Geronimo Energy (Roth Staffing)
08.2024 - Current
- Conducted comprehensive title searches to ensure accuracy and compliance with regulations.
- Managed the preparation and processing of title documentation for timely transactions.
- Collaborated with legal teams to resolve discrepancies in title records effectively.
- Led initiatives to improve data integrity within title management systems.
- Reduced title discrepancies by proactively researching and resolving any potential issues in advance.
- Conducted thorough public record searches to verify property ownership history and identify potential liens or encumbrances.
- Enhanced document accuracy by meticulously reviewing and verifying titles for correctness.
- Ensured timely processing of title applications by efficiently managing a high volume of daily tasks.
- Streamlined workflow processes for increased productivity through effective team collaboration and organization.
- Improved department efficiency by implementing strategic filing systems for easy access to critical information.
- Supported clients throughout the title application process, providing exceptional customer service and fostering long-term relationships.
- Minimized risk exposure by diligently assessing potential fraud risks associated with complex transactions.
- Communicated with customers to resolve common title issues.
- Utilized various online databases and public land records to verify ownership information.
- Researched ownership interests and liens on real estate properties.
- Drafted title abstracts and legal documents for real estate transactions.
- Examined and verified roughly 38 titles weekly in rural Minnesota.
Conventional Mortgage Underwriter
Summit Mortgage
07.2022 - 08.2024
- Conduct comprehensive underwriting of conventional and government loan files with 97% accuracy.
- Evaluate risk, verify loan compliance, and ensure accurate documentation while working with loan officers to ensure efficiency and collaboration.
- Partner with processors and loan officers to resolve issues and maintain quick turnaround times.
- Extensive review of property Valuation, credibility, asset review.
- Auditing and reviewing accuracy for compliance.
- Working knowledge of transitional loans.
- Analyzed credit reports, income statements, and asset documentation for accuracy and completeness with a 24 hour turn around time.
- Evaluated loan applications for compliance with underwriting guidelines and risk assessment protocols.
- Conducted thorough reviews of complex mortgage transactions to ensure adherence to both federal and state regulations.
- Collaborated with loan officers, processors and fellow underwriters to resolve issues and expedite approval processes effectively.
- Led initiatives to streamline underwriting workflows, resulting in increased operational efficiency across the department.
- Worked with processing team members to communicate errors and obtain missing information for current applications to get the file to the finish line sooner.
Mortgage Processing Team Lead
Maxwell Financial Labs, Inc.
07.2020 - 07.2022
- Supervised daily processing operations, ensuring adherence to accurate and quality standards.
- Trained and mentored team members on efficient processing techniques and best practices.
- Implemented process improvements that enhanced workflow efficiency and reduced bottlenecks within Encompass.
- Coordinated resource allocation to optimize team performance and meet production targets with loan officers.
- Developed training materials to support onboarding of new staff in processing procedures and Encompass .
- Analyzed performance metrics monthly to identify areas for improvement and drive strategic initiatives with monthly trainings and weekly one on ones.
- Facilitated cross-departmental collaboration to enhance communication and streamline operations by bringing Loan Officers and Underwriters into monthly meetings to promote efficient and effective work-flows.
- Implemented quality control measures, resulting in reduced error rates by 36% and increased accuracy across all tasks by 41%.
- Coordinated cross-functional teams to optimize processing efforts and achieve desired outcomes.
- Fostered an inclusive culture where every member felt valued by hosting daily "office hours" where team members would be able to openly hop on or off to discuss issues which contributed toward high levels of job satisfaction and engagement.
- Conducted monthly performance reviews for 12 team members, providing constructive feedback with examples to drive continuous improvement.
- Managed multiple projects simultaneously while adhering to strict deadlines and prioritizing tasks effectively.
- Followed up with customers to verify optimal customer satisfaction following support engagement and problem resolution weekly.
Senior Mortgage Loan Processor
Benchmark Mortgage
09.2018 - 07.2020
- Led operations staff supporting origination teams across multiple regions
- Streamlined documentation and underwriting processes, reducing average loan cycle time
- Trained new hires and managed cross-functional communication between sales and compliance teams
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants
- Processed and underwrote loans as needed, handled all escalations
- Managed mortgage application processes from submission to closing, ensuring compliance with regulations
- Reviewed and verified loan documents for accuracy and completeness, minimizing processing delays
- Mentored junior processors on best practices, enhancing team efficiency and knowledge retention
- Collaborated with underwriting teams to resolve discrepancies and expedite loan approvals
- Trained staff on new software systems (Encompass), increasing overall productivity and user competency
- Managed a high-volume pipeline of loans (45-70 loans per month), prioritizing tasks for optimal efficiency and client satisfaction
- Analyzed borrower creditworthiness through detailed review of financial documents and credit reports
- Collaborated with loan officers to resolve underwriting issues and streamline approval processes
- Evaluated FHA loan applications for compliance with underwriting guidelines and regulations
- Demonstrated adaptability in handling various loan types such as conventional mortgages, refinance transactions, purchase loans, or government-backed programs like FHA/VA loans
- Reduced application processing times by 62% by streamlining workflow and maintaining a well-organized pipeline of files
- Contributed to overall team success by actively participating in department meetings, offering valuable insights to improve processes and procedures
- Managed high-volume workload effectively, consistently meeting deadlines while maintaining attention to detail and accuracy
- Processed a full pipeline of FHA/VA/USDA/FNMA/LP loans as well as DPA, 203K, Construction and Bridge loans
- Collaborated with other departments to improve Encompass work flows resulting in overall higher customer satisfaction and retaining Realtor relations.
Home Loan Underwriter
Mortgages Unlimited
11.2016 - 09.2018
- Underwrote and/or audited FHA, VA, and conventional loans, ensuring adherence to investor and agency guidelines
- Maintained consistent accuracy and productivity standards within high-volume environment
- Provided coaching and feedback to junior underwriters and processors
- Evaluated loan applications by assessing creditworthiness and financial stability.
- Analyzed documentation for compliance with lending regulations and internal policies.
- Collaborated with loan officers to clarify borrower information and resolve discrepancies.
- Implemented process improvements that reduced turnaround time for loan decisions.
- Participated in ongoing professional development opportunities to stay current on best practices within the industry with MGIC monthly training.
- Balanced multiple priorities while managing high volumes of loan applications during peak periods, consistently meeting deadlines without compromising quality or accuracy.
- Assessed loan portfolios for compliance with underwriting policies.
Senior Mortgage Loan Processor
US Bank Home Mortgage
04.2015 - 10.2016
- Managed comprehensive loan processing workflows for residential mortgage applications.
- Evaluated borrower creditworthiness and financial documentation to ensure compliance with underwriting standards.
- Facilitated communication between clients, real estate agents, and underwriters to streamline loan approvals.
- Analyzed complex financial scenarios to determine appropriate loan products for borrowers' needs.
- Developed and maintained strong relationships with clients, ensuring a high level of customer satisfaction throughout the loan process.
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
- Promoted teamwork within the department by fostering an inclusive environment and encouraging open communication among colleagues.
- Handled any conditions sent from underwriting departments for all types of loans: FHA/VA/USDA/CONV/DPA/MN Housing.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Educated customers on loan services and regulations to confirm compliance.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Reviewed and validated details of loan applications and closing documentation.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
Senior Home Loan Processor/Team Lead/ Manager
Wells Fargo
05.2012 - 04.2015
- Processed home loan applications, ensuring compliance with regulatory standards and lender guidelines.
- Reviewed credit reports and financial statements to assess borrower eligibility and risk factors.
- Streamlined workflow processes within CORE, resulting in improved turnaround times for loan processing activities.
- Mentored junior team members on best practices for document collection and analysis techniques.
- Collaborated with underwriters to resolve discrepancies and facilitate timely loan closings.
- Assisted underwriting department in performing quality control audits on closed loans, identifying areas for improvement in future processes as needed.
- Served as a reliable resource for colleagues, addressing questions and providing guidance on processing procedures to ensure consistency across the team.
- Improved team productivity by offering training sessions on new software features and industry best practices as we transitioned to CORE.
- Developed strong relationships with real estate agents and borrowers, fostering trust in our services and encouraging repeat business.
Education
Bachelor of Arts - Business Management, Finance
University of Minnesota
Minneapolis, MN05.2011
Skills
- Mortgage Operations & Team Leadership
- Underwriting (FHA and Conventional: Capacity, Capital, Credit and Collateral)
- Loan Processing & Compliance
- Pipeline & Risk Management
- Staff Training & Performance Coaching
- Encompass LOS DU/LP AUS Systems
- Regulatory Compliance (HUD, CFPB, FNMA/FHLMC)
- File management (50-60 or more loans per month)
- Title examination
Accomplishments
- Collaborated with team of 8 in the development of Encompass efficiency and work-flow.
- Supervised team of 13 staff members.
- Achieved reducing processing times by 3 days by introducing pipeline management and workflow for everyday tasks.
- Documented and resolved customer services complaints which led to customer retention and higher customer services results.
Timeline
Real Estate Title Associate
Geronimo Energy (Roth Staffing)
08.2024 - Current
Conventional Mortgage Underwriter
Summit Mortgage
07.2022 - 08.2024
Mortgage Processing Team Lead
Maxwell Financial Labs, Inc.
07.2020 - 07.2022
Senior Mortgage Loan Processor
Benchmark Mortgage
09.2018 - 07.2020
Home Loan Underwriter
Mortgages Unlimited
11.2016 - 09.2018
Senior Mortgage Loan Processor
US Bank Home Mortgage
04.2015 - 10.2016
Senior Home Loan Processor/Team Lead/ Manager
Wells Fargo
05.2012 - 04.2015
Bachelor of Arts - Business Management, Finance
University of Minnesota