Megan Haynes
Virginia Beach,VA
Summary
Driven leader and adept underwriter with a proven track record at LoanCare LLC, excelling in mortgage servicing and investor relations. Demonstrated ability to manage high-volume loan pipelines, achieving top 20% performance metrics and maintaining 98% QA scores. Skilled in MS Office and exceptional interpersonal communication, consistently delivering positive outcomes in fast-paced environments.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Loss Mitigation Underwriter
LoanCare LLC
11.2020 - Current
- Worked within FNMA, FHLMC, FHA, MSHDA, USDA, VA & Private Asset Lender guidelines to convert delinquent loans.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Competently utilized Fannie Mae software (HSSN, SMDU), FHA software (EVARS, Neighborhod Watch) Loansphere, Docusign, Intellimods, Outamate, LINC, MSP & Doc Velocity.
- Determined and documented loan conditions and communicated requirements and decisions.
- Successfully closed an average of 175 loans per month.
- Managed an evolving pipeline of 100+ loans.
- Conducted title searches.
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Proved successful working within tight deadlines and fast-paced atmosphere.
Loss Mitigation Specialist
LoanCare LLC
Virginia Beach, VA
03.2019 - Current
- Complied and operated under Federal Guidelines in accordance to Conventional, FHA, VA & USDA loans
- Contacted borrowers regularly while adhering to company communication standards, as well as federal and state laws, and documented details of each conversation in the account log
- Educated borrowers as to various facts, laws, and ideas surrounding loss mitigation process moderately concentrating on their rights as a borrower and our rights as a lender
- Helped customers navigate options to maintain homeownership
- Reached out to borrowers to discuss current status and loan workout options
- Remained updated with latest information related to mortgage products and services being offered
- Discussed property liquidation options with customers
- Assisted with short sales and deed in lieu processes
- Consistently remained in the top 20% of my department (weekly and monthly dashboard SPOC reports)
- Maintained 98% and above in QA scores
- Regulary assisted with Collections overflow & Collections overtime shifts
- Proficient in Doc Velocity, MSP, Oracle and Word
General Manager
The Route 58 Delicatessen
Virginia Beach, VA
02.2009 - 07.2018
- Oversaw all departments, including Front of the House and Back of the House for a $1.8 million annual revenue-producing food service establishment.
- Hired, Trained, scheduled and mentored 28-33 staff members to ensure effective business practices and positive customer experiences, while creating employee guidelines and department definitions.
- Established and oversaw Social Media accounts (Facebook & Instagram).
- Upheld standards to assure compliance with the Virginia Department of Health, Virginia Department of Alcohol & Beverage Control and Virginia Beach Fire Department.
- Bi-weekly payroll and bill pay.
- Daily accounting, bookkeeping and banking.
- Worked with support teams (IT, Maintenance & Repair) to resolve issues with product and service.
- Worked directly with purveyors, vendors and repair services in order to achieve the highest level of success.
- Participated in off-site events (catering, social functions and community programs).
- Ensured that each guest's experience was positive, memorable and consistent.
- Retained a dedicated customer following.
Education
Teaching License - Art Education
Old Dominion University
Norfolk, VA2007
Bachelor of Arts - Fine Arts-Painting & Printmaking
Virginia Commonwealth University
Richmond, VA1999
Skills
- Mortgage servicing understanding
- Customer service-oriented
- Documentation and reporting
- Excellent time management skills
- Investor relations
- Effective leader
- Conflict resolution
- Deadline-oriented
- Math aptitude
- MS Office
- Exceptional interpersonal communication skills
Affiliations
Princess Anne YMCA, Board of Directors (Tide Swimming Representative) 2020-2021
Tide Swimming Parent Advisory Committee
Certification
ServSafe Certified (2017-2020)
Timeline
Loss Mitigation Underwriter
LoanCare LLC
11.2020 - Current
Loss Mitigation Specialist
LoanCare LLC
03.2019 - Current
General Manager
The Route 58 Delicatessen
02.2009 - 07.2018
Bachelor of Arts - Fine Arts-Painting & Printmaking
Virginia Commonwealth University
Teaching License - Art Education
Old Dominion University