Sharon Butler
Dana Point,CA
Summary
Real Estate and Lending Commercial and Residential which includes Wholesale and Retail service levels. Deal negotiation and program management and analysis for optimum customer outcomes. Experienced in all aspects of Mortgage Banking, origination, underwriting, funding and secondary loan sales including Warehouse Line Management.
Overview
33
33
years of professional experience
Work History
Commercial and Residential Real Estate and Lending
ADVANCED FINANCIAL CONCEPTS, Broker DRE01121336
Dana Point, CA
12.2007 - Current
- Commercial and Residential Mortgage origination and Real Estate Sales DRE#01121336 NMLS#
- Skilled at working independently and collaboratively in a team environment.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Learned and adapted quickly to new technology and software applications.
- Worked flexible hours across night, weekend, and holiday shifts.
- Worked effectively in fast-paced environments.
- Identified issues, analyzed information and provided solutions to problems.
- Prepared contracts and related documentation according to strict standards.
- Conducted regular reviews of client accounts to identify areas for improvement or adjustments needed based on changing market conditions.
- Discussed financial options with clients and provided informed suggestions.
- Cultivated a wide network of professional contacts, increasing referral business and expanding client base over time.
- Streamlined internal processes by implementing new technology solutions, reducing administrative tasks and freeing up more time for client relationship management.
- Worked with clients to provide competitive commercial banking solutions and retail financing plans.
- Analyzed potential investment opportunities using comprehensive research methods to provide valuable insights to clients.
- Worked with clients and finance companies to find optimal solutions for financing.
- Negotiated favorable terms for clients during transactions, maximizing their profits in both buying and selling scenarios.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
High Net Worth Jumbo Underwriter
CrossCountry Mortgage/Situs-UBS
Remote
06.2021 - 10.2022
- Review and analyze credit, cash flow, assets High Net Worth Clients
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
- Collaborated with sales teams to develop competitive pricing strategies for new products, increasing market share.
- Determined and documented loan conditions and communicated requirements and decisions.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
- Negotiated favorable terms with reinsurers, resulting in improved coverage options at lower costs for clients.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
SENIOR UNDERWRITER
WALLCK & VOLK
07.2020 - 06.2021
- Jumbo Underwriting authority to $3M Jumbo
SENIOR UNDERWRITER
SITUS
06.2017 - 07.2020
- Jumbo Prime and Non-QM Mortgage Loans UW authority to $3M
SENIOR UNDERWRITER ANALYST
Fortace LLC
07.2010 - 06.2017
- Closed Loan Portfolio underwriting, Complex Income, compliance for repurchase demand and litigation
OPERATIONS MANAGER
CAMBRIDGE FUNDING GROUP
12.2007 - 12.2009
- Final signing authority for underwriting Jumbo, FHA, FNMA
- Facilitated smooth collaboration between departments through clear communication channels.
- Implemented quality control systems that boosted overall product consistency and reliability.
- Increased profit by streamlining operations.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Implemented business strategies, increasing revenue, and effectively targeting new markets.
- Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
- Handled staff training initiatives aimed at upskilling the workforce to meet dynamic industry demands.
- Devised processes to boost long-term business success and increase profit levels.
- Raised property accuracy and accountability by creating new automated tracking method.
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Strengthened communication skills through regular interactions with others.
- Proved successful working within tight deadlines and a fast-paced environment.
EXECUTIVE VICE PRESIDENT OPERATIONS
OLD TOWNE FINANCIAL INC
01.1991 - 12.2007
- Final Signing authority for all loans
- Oversaw business-wide changes to modernize procedures and organization.
- Initiated strategy to drive company growth and increase market share and profitability.
- Analyzed industry trends and tracked competitor activities to inform decision making.
- Established a clear vision for organizational growth while developing actionable plans to achieve both short-term and long-term objectives.
- Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.
- Implemented cost-saving measures through careful financial analysis and budget management, positively impacting overall profitability.
- Provided executive leadership during mergers and acquisitions, ensuring seamless integration while maintaining operational excellence.
- Served as a key spokesperson for the organization at industry events and conferences, showcasing thought leadership while fostering strategic connections with potential partners.
- Managed risk effectively by implementing robust policies and procedures designed to mitigate potential threats to the business.
- Streamlined operations for increased efficiency by identifying areas for improvement and implementing process changes.
- Monitored key business risks and established risk management procedures.
- Demonstrated leadership skills in managing projects from concept to completion.
- Strengthened communication skills through regular interactions with others.
- Worked effectively in fast-paced environments.
Education
BACHELOR OF ARTS BUSINESS ADMINISTRATION - Accounting/ Emphasis Corporate, Estate and Individual Taxation
- Minor: International Finance
- Continuing Education, Tax, Appraisal, Risk Assessment, RE Compliance, Ethics
Skills
- Problem Resolution
- Decision-Making
- Time Management
- Analytical and Critical Thinking
- Verbal Communication
- Client Management
Custom
- 30+ years of mortgage operations experience, inclusive of sales, credit, processing, closing and postclosing.
- Extraordinary client service aptitude, success building relationships to achieve business goals, providing an excellent client experience.
- Meticulous follow up and follow through with client, Realtor, Loan Officer, Wealth Managers and Private Bankers, Underwriters, Funding, Post Closing
- Complete understanding of client retention and potential for growth of resources throughout mortgage process.
- Independent management of pipeline and priorities.
- Loan document processing, legal loan document management, loan funding, and loan shipping and loan sale.
- Loan Origination Commercial and Residential
- Real Estate Sales
- Senior Level Corporate Operations Management including loan sale, warehousing, origination, underwriting, compliance, Quality Control.
- Sales growth from $1M monthly to $40M monthly.
- Training of staff to Utilize technology and process flow to streamline product flow and reduce per transaction or per file costs.
- Development of Technology to create efficiency and client streamline experience. In addition to reduce costs and limit compliance, transaction or file errors.
- As VP of Operations, in charge of full accounting and reconciliation of all transactions with loan sales exceeding $75 million per month.
- Expert knowledge of loan legal documents and compliance requirements.
Custom
01121336, 234287
Timeline
High Net Worth Jumbo Underwriter - CrossCountry Mortgage/Situs-UBS
06.2021 - 10.2022
SENIOR UNDERWRITER - WALLCK & VOLK
07.2020 - 06.2021
SENIOR UNDERWRITER - SITUS
06.2017 - 07.2020
SENIOR UNDERWRITER ANALYST - Fortace LLC
07.2010 - 06.2017
Commercial and Residential Real Estate and Lending - ADVANCED FINANCIAL CONCEPTS, Broker DRE01121336
12.2007 - Current
OPERATIONS MANAGER - CAMBRIDGE FUNDING GROUP
12.2007 - 12.2009
EXECUTIVE VICE PRESIDENT OPERATIONS - OLD TOWNE FINANCIAL INC
01.1991 - 12.2007
CALIFORNIA STATE UNIVERSITY FULLERTON - BACHELOR OF ARTS BUSINESS ADMINISTRATION, Accounting/ Emphasis Corporate, Estate and Individual Taxation