Summary
Overview
Work History
Skills
Timeline
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Melissa Snodgrass

Melissa Snodgrass

Oxnard,CA

Summary

Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

21
21
years of professional experience

Work History

Notary Public/Certified Loan Signing Agent

YourNotary2Go - Self Employed
11.2015 - Current
  • Serve as official witness during the signing of important legal documents
  • Verify clients' identity and notarize documents according to state regulations
  • Work closely with clients, attorneys, and escrow/title companies to ensure documents are executed with a high degree of accuracy and client comprehension
  • Meet specific document delivery deadlines
  • Book high volume of appointments

Mortgage Loan Processor

Banc Home Loans/Caliber Home Loans
04.2015 - 10.2017
  • Responsible for compiling, verifying and entering application information for all types of mortgage loans and submitting loan files for underwriting approval
  • Reviewed accuracy of information received from borrowers and third parties; including tax return analysis, Profit and Loss statements, Balance Sheets, W-2s, 1099s, paystubs, employment history, asset statements, credit profiles, property appraisals and title policies.
  • Utilized loan origination software and automated underwriting systems
  • Maintained working knowledge of all Compliance Regulations, FHA/VA, Conventional, and Housing Assistance Loan Program Guidelines, Job Aids, Computer Systems and company information to increase production

Loan Review Analyst III

Bank Of America
10.2011 - 03.2015
    • Responsible for reviewing and researching closed loans to ensure compliance in accordance with historical Countrywide and Bank of America underwriting guidelines. Prepared appeals for credit, guideline, and misrepresentation deficiencies in accordance to with department strategies
    • Utilized underwriting knowledge and loan origination experience to effectively analyze risk and recommended appeal or approval based on loan level analysis
    • Prepare analysis and ensure all research has been completed for senior level settlement negotiations in order to facilitate final resolution between the bank and Mortgage Insurance counterparties
    • Effectively manage multiple projects based on guidance from legal in preparation for arbitration hearings with Mortgage Insurance counterparties

Mortgage Underwriter, Loan Processor

Countrywide Home Loans
03.2002 - 12.2009
  • Residential Mortgage Underwriter in a fast-paced, high-volume environment. Provided risk analysis for large or more difficult/complex residential loans ensuring compliance with appropriate company and secondary market investor standards
  • Authority to withdraw and decline loans based on risk analysis. Address credit related issues and points of risk to ensure that underwriting meets quality assurance standards
  • Assessment of complex financial documents to ensure creditworthiness while adhering to all regulatory and compliance requirements
  • Consistently exceeded production, quality, and service standards
  • Managed teams of up to ten team members

Skills

  • Strong listening, comprehension, and negotiation skills
  • Strong organizational skills in order to perform a variety of duties efficiently and prioritize daily tasks in order to effectively manage time
  • Document Management
  • Provide guidance and operate with the highest industry standards
  • Quick aptitude for learning new systems

Timeline

Notary Public/Certified Loan Signing Agent

YourNotary2Go - Self Employed
11.2015 - Current

Mortgage Loan Processor

Banc Home Loans/Caliber Home Loans
04.2015 - 10.2017

Loan Review Analyst III

Bank Of America
10.2011 - 03.2015

Mortgage Underwriter, Loan Processor

Countrywide Home Loans
03.2002 - 12.2009

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Melissa Snodgrass