Patricia Raymond
Mortgage
Los Angeles,CA
Summary
Mortgage underwriting professional with a proven track record in enhancing productivity and ensuring efficient task execution. Expertise in risk analysis, employee training, financial analysis, problem solving, and compliance maintenance contributes to organizational success. Demonstrated leadership and financial management skills facilitate strategic planning and team collaboration. Focused on operational excellence and sustainable growth through effective process optimization.
Overview
24
24
years of professional experience
Work History
SVP of Operations
Shi Gan Inc
08.2022 - Current
- Self-employed owner of a small business impact company specializing in diversifying and streamlining business solutions and due diligence processes.
VA Senior Underwriter III
Impac Mortgage -Wholesale
08.2021 - 04.2022
- Products underwritten: VA, FHLMC, FNMA, Non-QM.
- Used both manual and DU/LP underwriting practices.
FHA & VA Senior Underwriter III
loanDepot Mortgage - Retail
06.2020 - 06.2021
- Products underwritten: FHA, VA, FHLMC FNMA.
- Used both manual and DU/LP underwriting practices.
FNMA Senior Underwriter III
Better Mortgage - Retail
02.2020 - 06.2020
- Products underwritten: FNMA.
- Used automated underwriting and AI technology driven software.
FHA & VA Senior Wholesale Underwriter III
Carrington Mortgage Services, LLC - Wholesale
07.2019 - 02.2020
- Products underwritten: FHA, VA, FNMA, FHLMC.
- Used both manual and DU/LP underwriting for front-line underwriting a range of products including large, unusually complex B & C paper mortgage loan requests.
Sr Government Underwriter III
Ony Glo, Inc, dba OGI Mortgage Bankers, dba Loanlock, dba Capitalend Home Loans
05.2019 - 07.2019
- Products underwritten: FHA, VA, FNMA, FHLMC.
- Used both manual and DU/LP underwriting.
- Simultaneously underwrote for three (3) origination channels: wholesale, retail and correspondent.
Senior Government Underwriter III
LoanSnap fka DLJ Financial - Retail
05.2018 - 05.2019
- Products underwritten: Non-QM, Agency, FHA, VA manually or with automated DU/LP findings.
FHA/ VA Senior Government Underwriter III
Nationstar Mortgage dba Mr Cooper fka Greenlight Loans - Retail / Wholesale
06.2012 - 03.2018
- Products underwritten: FHA, VA, FNMA, FHLMC.
- Designated manual underwriter for FHA files with prior MCR.
- Instrumental in training Agency underwriters in obtaining their government designations and creating policy & procedures for new recruits.
Wholesale Contract Underwriter
Clayton c/o PCI Due Diligence Contract Firm
04.2012 - 06.2012
- Reviewed and rebutted investor post-closing repurchase requests.
- Per client request, transitioned to front line underwriting as a FNMA/FHLMC underwriter.
Interim Sr. Underwriter III
Mortgage Select Professionals via MCA
02.2012 - 04.2012
- Products underwritten: FHLMC, FNMA.
- Primarily focused on self-employed borrowers and investor purchases.
Mortgage Insurance Auditor II
Bank of America c/o Aerotek Staffing
02.2011 - 01.2012
- Constructed persuasive arguments to refute investor repurchase requests.
Site QC Underwriter (Level 3 UW)
Wells Fargo Home Mortgage c/o On Call Staffing
10.2010 - 02.2011
- Responsible for approving underwriter requests to fund while providing work direction and/or training to lower-level team members providing performance feedback to their supervisor/manager.
Contract Field Mortgage Underwriter
Clayton c/o PCI , Due Diligence Contract Firm
12.2004 - 09.2010
- Manually underwrote & performed credit with compliance checks, fraud reviews on post closed FHLMC, FNMA, FHA/VA, reverse mortgages and jumbo loans.
Senior Lien Default Specialist
Land America c/o KForce
01.2008 - 07.2008
- Retrieved title reports and retrieved re-conveyances for title perfection.
- Evaluated Loss Mitigation plans, DOT Modifications, and Short Sale packages.
- Retrieved the TSG, NOD, NOS, BPO and performed an EA (Equity Analysis).
Underwriter
First Golden Mortgage, Los Angeles, CA
Los Angeles, USA
01.2003 - 12.2004
- Products underwritten: FNMA, FHLMC and oversaw two Junior Underwriters.
Senior Accounts Manager
BNC Mortgage, Los Angeles CA
Los Angeles, USA
04.2002 - 01.2003
- Wholesale mortgage processor.
- Managed and packaged residential mortgage loan packages.
- Acted as a liaison between appraisers, brokers, escrow, underwriters and management.
Certifications And Education
- FHA CHUMS, GN42
- VA SAR/LAPP, 021656
- GreenBelt Six Sigma, Six Sigma Institute
- Certified Residential UW, Mortgage Banking Association
- Bachelor of Science, Accounting, Columbia College
Timeline
SVP of Operations
Shi Gan Inc
08.2022 - Current
VA Senior Underwriter III
Impac Mortgage -Wholesale
08.2021 - 04.2022
FHA & VA Senior Underwriter III
loanDepot Mortgage - Retail
06.2020 - 06.2021
FNMA Senior Underwriter III
Better Mortgage - Retail
02.2020 - 06.2020
FHA & VA Senior Wholesale Underwriter III
Carrington Mortgage Services, LLC - Wholesale
07.2019 - 02.2020
Sr Government Underwriter III
Ony Glo, Inc, dba OGI Mortgage Bankers, dba Loanlock, dba Capitalend Home Loans
05.2019 - 07.2019
Senior Government Underwriter III
LoanSnap fka DLJ Financial - Retail
05.2018 - 05.2019
FHA/ VA Senior Government Underwriter III
Nationstar Mortgage dba Mr Cooper fka Greenlight Loans - Retail / Wholesale
06.2012 - 03.2018
Wholesale Contract Underwriter
Clayton c/o PCI Due Diligence Contract Firm
04.2012 - 06.2012
Interim Sr. Underwriter III
Mortgage Select Professionals via MCA
02.2012 - 04.2012
Mortgage Insurance Auditor II
Bank of America c/o Aerotek Staffing
02.2011 - 01.2012
Site QC Underwriter (Level 3 UW)
Wells Fargo Home Mortgage c/o On Call Staffing
10.2010 - 02.2011
Senior Lien Default Specialist
Land America c/o KForce
01.2008 - 07.2008
Contract Field Mortgage Underwriter
Clayton c/o PCI , Due Diligence Contract Firm
12.2004 - 09.2010
Underwriter
First Golden Mortgage, Los Angeles, CA
01.2003 - 12.2004
Senior Accounts Manager
BNC Mortgage, Los Angeles CA
04.2002 - 01.2003