Patricia L. Cable-CMMU/CMQCS

• Provided complete full-time care for a parent who has recently passed away.
• Attended National Association of Mortgage Underwriters.

• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
• Verified integrity of applicants' information to minimize fraud.
• Maintained mortgage program compliance with federal agencies such as FNMA, FHLMC, FHA, VA & USDA.
• Meeting timeline consistently, turning around applications quickly with firm approval or denial decisions.
• Monitored pipelines to track and log the status of loans.

• Analyzed credit, income, compliance, title documents, and appraisals during the underwriting process.
• Determined and documented loan conditions and communicated requirements and decisions.
• Examined potential loss stemming from catastrophe, severity, or frequency of possible loss.
• Reported any feedback directly to Management so that if needed, continued education would be made available.

• Motivated and trained employees to maximize team productivity.
• Enforced regulatory and company policy compliance to improve workplace and employee safety and readiness.
• Conducted root cause analysis in deficient areas to identify and resolve central issues.
• Observed each employee's strengths and initiated a mentoring program to improve areas of weakness.
• Upheld excellent leadership standards for employees, consistently leading by example for best-in-class mortgage work.
• Monitored over 50 employees' day-to-day activities and made plans to rectify issues.