Nair Fecteau

• Opened new accounts for customers, including checking accounts, savings accounts and certificates of deposit.
• Verified customer identity through driver's license or other forms of identification.
• Explained banking products and services such as checking accounts, savings accounts, loans and credit cards to potential customers.
• Assisted customers with setting up direct deposits for their payroll checks.

• Performed Wealth Management Portfolio Underwriting - Jumbo Loans, Post Loan Liquidity based on Asset review and Trust Summary review
• Analyzed new loan requests to ensure loan met Risk Policy guidelines
• Underwrote files where pledged assets were used as collateral for the loan
• Worked directly with Mortgage Bankers, Mortgage Banker Assistants and Processors to underwrite
  files in a timely manner
• Evaluated credit worthiness of borrowers by analyzing personal financial statements and credit
  profile to make well supported credit recommendations to the Bank
• Prepared executive summaries for loan file approval that addressed borrower strengths and
  weaknesses
• Assisted Credit Advisory Management with special projects by gathering data within the Banks
  internal systems and providing feedback of findings
• Worked on supporting systems – Encompass, CPS, SEI, DMI, CARS
  

• Effectively conducted Rush Reviews for Conforming, FHA, USDA, & VA
• Analyzed residential appraisals to ensure accuracy, completeness, and verify the report meets
  agency/investor guidelines
• Collaborated with Underwriters, Pre-Closing, and Post Closing
• Reviewed CU Findings: Addressed defects and corrections needed by appraiser to support value
• Worked directly with Vendors & Direct Panel Appraisers through the CMS Portal and GAAR

• Maintained the understanding of industry and investor guidelines to ensure accuracy
• Reviewed, researched, and implemented special projects

• FHA DE Certified & VA SAR Appraisal Underwriter
• Assessed risk levels associated with each loan application based on established criteria.
• Trained junior staff members on company policies and procedures.
• Reviewed and updated credit files in accordance with lender guidelines.
• Evaluated collateral properties to assess market value.
• Issued clear written conditions for approval of mortgage loans.
• Analyzed loan eligibility for clients based on collateral, credit history and employment background in a fast paced, detail-oriented environment
• Collaborated with Loan Originators, Team Leaders and Title Attorneys the processing and closing
  of residential mortgage loans
• Developed strong organization and time management skills to underwrite, prepare loan documents
  and re-structure loans to meet daily deadlines
  

• Sold and originated customized loan solutions for homeowners in a fast-paced call center
• Ability to build relationships with potential clients using essential communication and customer
  service skills to establish rapport and develop trust with clients in a turbulent marketplace
• Identified and analyzed client’s needs to coordinate a beneficial loan solution with strong emphasis
  on consultative selling
• Extensive experience and knowledge of all aspects of the residential mortgage industry including
  Fannie Mae, Freddie Mac and FHA loan products and guidelines as well as their automated
  underwriting software programs

• Performed Pre and Post closing audits to confirm agency guidelines and requirements were met
• Ensured compliance for State required disclosures, TILA, ATR & TNB
• Managed multiple priorities simultaneously in a timely manner
• Reviewed revivification to ensure the information provided to approve the loan was accurate and true
• Worked directly with Auditors to resolve file issues
• Participated in assessing QC implications for new products and services

• Prepared residential mortgage loan files while working closely with Loan Originators, Underwriters
and clients to ensure preliminary loan disclosure compliance, income documentation requirements
and accurate credit data reporting information prior to submitting files for final approval
• Worked with Title Attorneys to schedule loan closings and prepared closing documents with
Empower Loan Origination Software
• Reviewed executed mortgage documents to ensure compliance prior to loan funding and recording
• Developed skills within the position that would lead to being promoted to other positions held
within the company