Renee Moore
Sacramento,CA
Summary
Hard-working and highly motivated with 20+ years in the high-paced mortgage industry. With a desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Extensive knowledge and skills in processing, underwriting, compliance, and customer service. Looking to secure a position where I can utilize or transfer my Mortgage Underwriting, Processing and Compliance Skills. Competent and knowledgeable in financial regulations. Authorized to work in the US for any employer.
Overview
14
14
years of professional experience
Work History
Loan Administrator/Processor/Hours Per Week 30-40
Catalyst Real Estate Professionals
04.2021 - Current
- Establish relationships with borrowers, loan officers, realtors, and title from contract through closing
- Pre-underwrite and submit detailed and accurate loan packages to lenders for upfront TBDs, and refinance loans, receiving little to no conditions
- Keeping current on mortgage loan products (FHA/VA/CONV) procedures and documentation
- Weekly reports to brokers, loan officers, and realtors
- Run DU/LP, analyze credit reports, complex income, asset documents, and appraisals, and review title reports.
- Maintain detailed records of loan transactions, ensuring accurate reporting and data entry.
- Resolved complex issues related to loans, working closely with loan officers/realtors to find effective solutions.
- Collaborated with underwriters to expedite loan approvals, resulting in increased customer satisfaction.
Sr. Underwriter/ Hours Per Week 50-60
AmeriSave Mortgage
03.2020 - 12.2021
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
- Made approval and denial recommendations by determining accurate risk levels.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
- Analyzed compliance, title, and appraisal documents during the underwriting process.
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing complex financial data.
- Examined credit reports, financial statements, and tax returns to determine repayment capability.
- Run DU/LP making sure the loan is in accordance with guidelines.
Mortgage Loan Originator/ Hours Per Week 40
Van Patten Mortgage Group
01.2019 - 02.2020
- Evaluate creditworthiness by processing loan applications and documentation within specified limits
- Answer realtor calls about marketing material received, scenarios, and referrals
- Self-sourcing business through family, friends, and past clients.
- Conducted borrower interviews to gather necessary information and documentation for loan applications.
- Worked closely with borrowers experiencing financial hardship, helping them explore alternative financing options or refinancing solutions.
- Streamlined the loan origination process with thorough pre-qualification assessments, resulting in faster decision-making.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Developed strong relationships with real estate agents, increasing referral business and expanding client base.
Underwriter/Funder/Hours Per Week 40-50
First US Community Credit Union
09.2016 - 02.2019
- Underwrite 1st, 2nd, and HELOC loans to ensure compliance with agency, investor, and credit union policies and procedures
- Analyze tax returns, credit reports, and appraisals to ensure information meets investor and credit union guidelines
- Draw loan docs and prepare the closing package, researching and resolving all items in closing package to ensure on-time closing process
- Assisted in developing training materials used to educate new hires on essential job functions, contributing to their successful onboarding and integration into the team.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Fund credit union 1st and 2nd mortgages
- Assist loan officers with loan scenarios
- Assist and backup loan processors and process any overflow (Conv/FHA/VA/2nd) mortgage loans
- Back up to manager in her absence
- Contact borrowers and discuss their approval or denials and answer any program or rate questions.
- Maintained and updated loan reports to manager and stakeholders.
Underwriter Home Equity/ Hours Per Week 40-45
Bank of America/Accenture
02.2014 - 09.2016
- Evaluate all loan documentation for accuracy and completeness
- Underwrite mortgage loans per the investor guidelines, State and Federal regulatory requirements, established policies, procedures.
- Assessed and advised on loan applications
- Analyzed credit, income, compliance, title documents, and appraisals during the underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
- Paid attention to detail while completing assignments.
Compliance Project Analyst/Hours Per Week 40
Bank of America/Accenture
02.2013 - 02.2014
- Review loan loan modification files for completeness and accuracy to formulate a complete assessment, while applying all client and lender guidelines, in addition to Federal and State regulations
- Review of credit documents, including, but not limited to loan applications, lender approval, credit and income documents, title reports, appraisal, and all applicable compliance documents.
- Work on various high-level projects as assigned.
Sr. Loan Processor/ Hours Per Week 50-60
Bank of America/Accenture
03.2010 - 02.2011
- Responsible for processing loans approved by an underwriter or clues within my designated signing authority limit
- Underwrite Level 1 MHA loans
- Responsible for clearing conditions and issuing changes to terms on previously approved loans
- Verify approval conditions which may include customer income and asset documentation
- Resolve any title, escrow, and appraisal issues
- Process requests for subordination, constant contact with borrower and sales
- Analyze credit reports, determine gross monthly income for various types of borrowers; employment, and analyze loan collateral with manual underwriting up to $417,000
- Verify the accuracy of borrower and vendor documents
- Ensure the loan file is complete and order documents required for loan processing including, credit report, title, appraisal, flood determination, the 1040s, financial statements, W-2s, and other documentation to ensure all information needed is procured from the appropriate source to finalize a loan
- Acting as the primary point of contact for loan status, borrower inquiries, and.
Education
High School Diploma -
Pittsburg Senior High
Pittsburg, CASkills
- Microsoft Office/Excel
- Strong Customer Service
- Underwriting (FHA/VA/CONV/HELOCS)
- Credit Risk Analysis
- Mortgage Servicing
- Lexis-Nexis
- Fraud
- Bank Secrecy Act
- Microsoft Access
- DU/LP
- Encompass
- Loan Origination
Fair Housing Regulations
Banking
Compliance
Escrow
Loan Officer
Certifications and Licenses
Notary Public January 2019 to April
2027
Certified Loan Signing Agent
Bonded $100,000
E & O
Nmls
1039253
Personal Information
Title: Mortgage Professional
Timeline
Loan Administrator/Processor/Hours Per Week 30-40
Catalyst Real Estate Professionals
04.2021 - Current
Sr. Underwriter/ Hours Per Week 50-60
AmeriSave Mortgage
03.2020 - 12.2021
Mortgage Loan Originator/ Hours Per Week 40
Van Patten Mortgage Group
01.2019 - 02.2020
Underwriter/Funder/Hours Per Week 40-50
First US Community Credit Union
09.2016 - 02.2019
Underwriter Home Equity/ Hours Per Week 40-45
Bank of America/Accenture
02.2014 - 09.2016
Compliance Project Analyst/Hours Per Week 40
Bank of America/Accenture
02.2013 - 02.2014
Sr. Loan Processor/ Hours Per Week 50-60
Bank of America/Accenture
03.2010 - 02.2011
High School Diploma -
Pittsburg Senior High
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