Summary
Overview
Work History
Education
Skills
Timeline
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Mary Bradley

Ponte Vedra Beach

Summary

Dynamic mortgage professional with extensive experience in quality control and underwriting, notably at Bank of America. Proven track record in credit analysis and process optimization, enhancing efficiency and reducing errors. Adept at mentoring teams and implementing compliance strategies, driving improved decision-making and customer satisfaction in the mortgage lending process. Experienced in Pre-Fund Quality Control and Post Fund.

Overview

22
22
years of professional experience

Work History

Quality Control Underwriter- Pre Fund

MetaSource
04.2020 - Current


  • Participated in regular audits, ensuring adherence to regulatory requirements and consistency across all loan files.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
  • Identified areas for improvement in underwriting processes, resulting in a reduction of errors and improved decision making.
  • Review and clear mortgage conditions compliance with FHA, VA, USDA
  • Utilized Encompass to track loans

Senior Mortgage Loan Underwriter

Bank of America
03.2012 - 12.2014
  • Conducted scenario analyses to assess potential risks associated with specific loan applications, informing appropriate underwriting decisions based on findings.
  • Assisted in the development of training materials for new hires, ensuring all team members were well-equipped to perform their roles effectively.
  • Collaborated with loan processors and originators to expedite the loan approval process while maintaining high-quality standards.
  • Mentored junior underwriters, sharing knowledge and expertise to improve team performance and individual skillsets.

President VP Mortgage Lending

Lexington Lending & Mortgage Group
02.2003 - 06.2011
  • Optimized technology solutions for smoother processing of applications, reducing manual errors and increasing efficiency across teams involved in the mortgage lending process.
  • Implemented risk management strategies to minimize default rates while maintaining a competitive product offering.
  • Improved underwriting processes to reduce turnaround time for loan approvals, enhancing customer experience and loyalty.
  • Oversaw compliance efforts, ensuring adherence to federal and state regulations throughout the mortgage lending process.
  • Ensured quality control of loan files through rigorous auditing procedures before investor delivery.
  • Increased loan production by streamlining mortgage lending processes and implementing more efficient systems.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.

Education

Bachelor of Science - Business

Indiana Tech University
Fort Wayne, IN

Skills

  • Experience in mortgage quality control
  • Credit analysis
  • Appraisal review
  • Loan underwriting
  • Loan processing

Timeline

Quality Control Underwriter- Pre Fund

MetaSource
04.2020 - Current

Senior Mortgage Loan Underwriter

Bank of America
03.2012 - 12.2014

President VP Mortgage Lending

Lexington Lending & Mortgage Group
02.2003 - 06.2011

Bachelor of Science - Business

Indiana Tech University

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Mary Bradley