Summary
Overview
Work History
Education
Skills
Work Availability
Timeline
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MARY BRADLEY SISSON

Ponte Vedra Beach

Summary

Experienced leader taking ownership of critical decisions and resolving complex issues. Dynamic and reliable with 15 + years of retail banking, wholesale lending, sales management, business development, mortgage broker, corresponding lending, processing, and underwriting experience.

Analytical Policy development, Underwriting knowledge, Risk management.

Overview

21
21
years of professional experience

Work History

Auditor Underwriting Manager

Metasource
09.2020 - Current
  • Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Administered auditing program to address risks and evaluate compliance with regulatory requirements.
  • Performed observations and evaluated supporting documents to supplement audit findings.
  • Managed over five hundred purchases across America
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals
  • Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement
  • Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications

Underwriter Manager - Risk Management

Unitedhealthcare
10.2016 - 09.2020
  • Calculated group and individual renewal rates based on customer's background, industry and demographic information.
  • Met with customers, agents, and brokers to negotiate coverage, price and service delivery.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Orchestrated client-centered financial packages factoring in current market trends.
  • Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
  • Developed short-term goals and long-term strategic plans to improve risk control and mitigation

Underwriter

Bank Of America
03.2011 - 07.2016
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
  • Review FHA and Conventional loans
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
  • Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
  • Managed and recommended loan disposition for underwriting team of forty underwriters
  • Effective communication to processors and loan officers
  • Excellent attention to detail while coaching and implementing underwriting process throughout department
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
  • Made approval and denial recommendations by determining accurate risk levels
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations

President

Lexington Lending
05.2002 - 01.2016
  • Developed strategy meetings with multiple mortgage branches and overseen daily coaching objectives.
  • Facilitated, managed, coached, trained, and successfully developed marketing strategy, consisting of over thirty-six telemarketings' and outside sales force consisting of forty-loan originators and team of twelve loan processors
  • Implemented and secured State Compliance procedures and performed monthly Compliance Audits.
  • Designed loan processor Template; enabling sales force to identify customer criteria for analysis and evaluation.
  • Super headed revenue growth from start-up to $1MM in less than one year.
  • Revolutionized a marketing and educational programmed geared towards Commercial and residential Finance.
  • Operations Effectively recruited, interviewed, hired, and trained all processors and sales personnel into highly effective sales teams, underwriters, and loan processors
  • Developed innovative sales and marketing strategies to facilitate business expansion.

Education

Bachelor of Science - Business Administration - Indiana Tech

Indiana University - Fort Wayne
Fort Wayne, IN

Skills

  • Developing Policies
  • Risk management
  • Team management
  • Asset Statements
  • Debt-to-Income Ratios
  • Non-Prime Markets
  • Financial analysis aptitude
  • Business Development
  • Supervision
  • Application Analysis
  • Loan to Value Ratio Calculations
  • Residual Incomes
  • Jumbo and Super Jumbo Loans

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Auditor Underwriting Manager

Metasource
09.2020 - Current

Underwriter Manager - Risk Management

Unitedhealthcare
10.2016 - 09.2020

Underwriter

Bank Of America
03.2011 - 07.2016

President

Lexington Lending
05.2002 - 01.2016

Bachelor of Science - Business Administration - Indiana Tech

Indiana University - Fort Wayne

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MARY BRADLEY SISSON