Mary Bradley
Ponte Vedra Beach
Summary
Detail-oriented QC Auditor with expertise in regulatory compliance and quality control procedures. Proven ability to analyze data and solve problems effectively, ensuring adherence to industry standards. Strong communication skills facilitate collaboration and consistent delivery of high-quality results.
Overview
21
21
years of professional experience
Work History
Mortgage QC Auditor Underwriter
MetaSource
Remote
09.2020 - Current
- Conducted post-close audits and re-underwriting of all loan files.
- Calculated and analyzed borrower income to determine debt-to-income ratios.
- Generated findings through thorough examination of loan applications.
- Reviewed loan components for compliance with investor guidelines.
- Performed reviews of residential mortgage loans in accordance with established underwriting guidelines and standards.
Underwriter
Bank of America
Jacksonville
03.2012 - 08.2020
- Reviewed appraisals to ensure accuracy and compliance with company standards.
- Prepared detailed reports on underwriting findings and recommendations.
- Evaluated loan applications and creditworthiness of potential borrowers.
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Resolved pre- and post-closing issues relating to underwriting, such as issues.
- Prepared detailed written decisions summarizing loan analysis results in accordance with established procedures.
President
Lexington Lending & Mortgage Group
Cleveland
12.2003 - 04.2011
- Coordinated communication among lenders, borrowers, agents, attorneys, and involved parties during loan processes.
- Managed a team of underwriters, processors, and loan officers to ensure efficient operations.
- Responded promptly to borrower inquiries to maintain high levels of customer service.
- Negotiated terms with vendors providing mortgage processing services, including appraisers and title companies.
- Trained new employees on mortgage origination systems, regulations, policies, and procedures.
Education
Bachelor of Science - Business
Indiana Institute of Technology
Fort Wayne, INSkills
Dedicated and detail-oriented mortgage professional with over 10 years of experience in underwriting and quality control auditing
Proven ability to assess loan files for compliance with Fannie Mae, Freddie Mac, FHA, and VA guidelines, a strong communicator with excellent analytical skills, committed to maintaining high standards of quality and integrity in the mortgage lending process
Timeline
Mortgage QC Auditor Underwriter
MetaSource
09.2020 - Current
Underwriter
Bank of America
03.2012 - 08.2020
President
Lexington Lending & Mortgage Group
12.2003 - 04.2011
Bachelor of Science - Business
Indiana Institute of Technology
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