SHAWN CARNI
Seattle,WA
Summary
Analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
5
5
years of professional experience
4
4
years of post-secondary education
Work History
Compliance Specialist
Redside Partners
8 2023 - Current
- Ensure certification files are correct and compliant with City of Seattle guidelines and compliance manual
- Working on affordable housing income certifications and associated paperwork, including income verification, cross checking data with supporting documents and ensuring the correct calculation of income based on Seattle's specific guidelines
- Maintain precise, up-to-date records of all income certifications and re-certifications
- Assist compliance manager with weekly, monthly, and annual reporting related to affordable housing compliance
- Assist compliance manager with training leasing staff on affordable housing compliance.
- Evaluated existing policies regularly, identifying areas for improvement and recommending revisions as needed.
JUMBO Underwriter/Underwriter
Wyndham Capital
05.2020 - 05.2022
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
- Used critical thinking to break down problems, evaluate solutions and make decisions
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure
- Maintained 50-100 loans in pipeline, including JUMBO and all Fannie/Freddie products.
Underwriter
Movement Mortgage
10.2019 - 05.2020
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Trainer
First Financial
- Trained/Managed Junior processors with zero to little experience in mortgage industry to be senior stand-alone processors with 95% success rate
- Trained new and existing staff on policies and procedures, systems, and compliance
- Developed effective training plans based on department needs and objectives
- Promoted from trainer to management within year.
Education
Associate of Arts - Business
West Virginia University
Morgantown, WV 01.1993 - 05.1994
Certified Health Coach - undefined
Duke Integrative Medicine
Charlotte, NC 07.2019 - 05.2019
Associate of Arts - Business
Niagara University
Niagara Falls, NY 01.1990 - 05.1992
Skills
Creativity and Problem Solving
Excellent Communication Skills
Excellent Project Management Skills
Risk analysis and management
Work flow planning
Staff Management
Project planning and development
Timeline
JUMBO Underwriter/Underwriter
Wyndham Capital
05.2020 - 05.2022
Underwriter
Movement Mortgage
10.2019 - 05.2020
Certified Health Coach - undefined
Duke Integrative Medicine
07.2019 - 05.2019
Associate of Arts - Business
West Virginia University
01.1993 - 05.1994
Associate of Arts - Business
Niagara University
01.1990 - 05.1992
Compliance Specialist
Redside Partners
8 2023 - Current
Trainer
First Financial