Byte, Encompas, Clarity, Google Suites, Microsoft Suites
Marilee Polidoro
Corporate Trainer
Tyler,TX
Summary
Highly skilled Mortgage Operations Training Specialist highly effective at conducting personal and group training sessions focused on topics such as Loan Processing, Mortgage Underwriting and Origination. Enthusiastic personality with a hands-on, creative style. Ready to apply 40 years' experience to a challenging long-term position.
Overview
14
14
years of professional experience
1
1
Certification
Work History
CORPORATE TRAINER
American Mortgage Financing
07.2020 - Current
- Evaluate current training material and update
- Compose updates to existing training material and/or develop new curriculum
- Develop and facilitate training classes for new hire employees, i.e
- Jr Processors, Processing Assistants, Loan Processors, and Underwriters
- Develop and facilitate Quick Training Sessions for Processing Department as need arises
- Facilitate monthly classes to assist in growth for Jr
- Processor’s and Loan Processors
- Collaborate with training team, underwriting, and processing managers, IT to develop and facilitate training material for growth of operations staff
- One on One sessions with new hires and existing operations staff
- Special projects as assigned.
- Evaluated approvals against established bank and government lending standards.
- Collaborated with stakeholders to manage loan files and databases and prepare general correspondence.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Checked packages for appropriate documentation.
- Scheduled and taught in class and online courses to increase learning opportunities.
- Quickly adapted training plans for client needs, keeping timelines, budgets and desires in mind.
- Monitored participant workflow and behaviors throughout training process.
- Identified and solved internal problems related to employee turnover by revamping training approaches.
- Performed continuous evaluations of content and plans in order to enhance delivery and improve effectiveness.
- Employed job analysis in accordance with principles of instructional design to create effective training programs.
- Assessed student needs to develop effective training plans.
- Eliminated process gaps by implementing new methods of standardized training.
- Recorded and edited videos for use in later courses or by remote learners.
- Gathered and organized supplementary material to support structured lessons.
- Mentored new hires, resulting in stronger staff development and increased productivity.
TRAINER/GROWTH COACH
Situs/AMC
Tampa, Florida
06.2019 - 03.2020
- Responding to Training Dept inquires concentrating on Conventional QM and Non-QM loans i.e. Bank Statement Income, Stated Income
- Help desk tickets from Underwriters within specified time frame
- Research questions and provide detailed response
- Provide resource material, step by step guidance, verbal coaching in response to Help Desk Ticket
- Provide one-on-one coaching to Underwriters to improve quality and/or time in production
- Prepare training material for new instructor led courses
- Support new hire Underwriters with weekly sessions addressing data input on LOS system, clarification on QC grades, time management, training on scope of work.
QC ANALYST
SitusAmc
, TX
03.2018 - 06.2019
- Review accuracy of data input and decision by Underwriter
- Determine correct decision of Approval by Lender
- Review file to meet Lender / Investor guidelines Provide constructive feedback to Underwriters to develop and refine their abilities
- Developed and maintained quality assurance procedure documentation.
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
- Created and revised procedures, checklists and job aids to reduce error disputes by [Number]%.
OWNER
Self Employed
, TX
11.2015 - 05.2019
- Due diligence review of closed real estate mortgages
- Analyze income, assets, credit and compare to Investor/Lender guidelines
- Recalculate income and assets
- Determine any Red Flags for purchase on secondary market
- Analyze TRID results for compliance
- Review for compliance exceptions
- Managed day-to-day business operations.
- Optimized team hiring, training and performance.
MANAGER - LOAN, UNDEWRITING
Benchmark Bank
Frisco, TX
08.2016 - 12.2016
- Hire, train, and evaluate personnel
- Provide staff with assistance in performing difficult or complicated duties
- Attend company meetings to exchange product information and coordinate work activities with other departments
- Supervise production teams for first mortgage fulfillment
- Built library of models and reusable knowledge-base assets to produce consistent and streamlined business intelligence results.
- Analyzed key aspects of business to evaluate factors driving results and summarized into presentations.
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation.
- Instituted contingency plans, ensuring business continuity through cross-training, documentation and data backups.
- Identified process inefficiencies through gap analysis and outlined sensible solutions.
- Applied honed problem-solving skills to analyze and resolve issues impacting business operations and goal achievement.
- Assessed impact of current business processes on users and stakeholders and evaluated potential areas for improvement.
- Met with stakeholders to establish favorable business relationships and support mutually beneficial interests.
- Conducted interviews with key business users to collect information on business processes and user requirements.
- Assigned tasks to associates, staffed projects and updated involved parties to enhance optimal business flow.
- Taught employees how to control risks at front line.
TEAM LEAD
Bank of America
Brea, CA
04.2013 - 11.2015
- Manage team of compliance Underwriters
- Inter-departmental interaction
- Training
- Arbitrate defects
- Prior to funding and post-closing Audits
- Managed schedules, accepted time off requests and found coverage for short shifts.
- Minimized resource and time losses by addressing employee or production issue directly and implementing timely solutions.
- Prepared detailed reports on updates to project specifications, progress, identified conflicts and team activities.
- Instructed junior team members on protocols and procedures of each station to maximize contributions.
- Directed and supervised team of 14 engaged in Post Closing Underwriting and Quality development.
- Participated in cross-functional team-building activities.
- Evaluated employee skills and knowledge regularly, training and mentoring individuals with lagging skills.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Handled troubleshooting tasks and used repair methods to immediately rectify assembly line issues.
- Coached team members in techniques necessary to complete job tasks.
- Took on additional job duties during unexpected backlog, resulting in meeting project target date.
- Developed monthly and daily production output plans to deliver on customer service and financial metrics.
QUALITY SITE LEAD
Bank of America
Brea, CA
12.2011 - 04.2013
- Responsible for the quality of production within specific site locations
- Root cause and trending analysis
- Facilitate training to site underwriting
- Monitor Associates quality scores
- One-on-One Coaching
CREDIT COACH, Bank of America
Brea, CA
06.2010 - 12.2011
- Analyze QC audit data
- Quality trending analytics and reporting
- Training curriculum development
- Facilitate Underwriter Training
- Quality / Trending reports and presentation to Senior Management
CREDIT ADMINISTRATOR
Bank of America
Brea, CA
07.2009 - 10.2010
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Generate financial ratios, using computer programs, to evaluate customers' financial status
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval
- Second review of loans recommended for decline
- Respond to the scenario hot line for Loan Originators
- Investor Guidelines SME
- Revious Experience: 15 years front line underwriting, conventional, FHA and VA 10 years loan processing 5 years loan servicing 25 years management in mortgage banking 5 years loan origination 2 years loan modification
Education
A.S - Business Administration
ORANGE COUNTY BUSINESS COLLEGE
Skills
UnderwritingComplianceCurriculum DevelopmentOutlook, Power Point, Excel, WordWebEx, Go To Meeting, Teams, ZoomPublic SpeakingVirtual TrainingAdult LearningProject Management
Performance monitoring
Training assessment
Materials design
Software
Certification
DE/CHUMS undeerwroter
Timeline
CORPORATE TRAINER
American Mortgage Financing
07.2020 - Current
TRAINER/GROWTH COACH
Situs/AMC
06.2019 - 03.2020
QC ANALYST
SitusAmc
03.2018 - 06.2019
MANAGER - LOAN, UNDEWRITING
Benchmark Bank
08.2016 - 12.2016
OWNER
Self Employed
11.2015 - 05.2019
TEAM LEAD
Bank of America
04.2013 - 11.2015
QUALITY SITE LEAD
Bank of America
12.2011 - 04.2013
CREDIT COACH, Bank of America
06.2010 - 12.2011
CREDIT ADMINISTRATOR
Bank of America
07.2009 - 10.2010
DE/CHUMS undeerwroter
01-2005
A.S - Business Administration
ORANGE COUNTY BUSINESS COLLEGE