Sheilia Brown

• Underwrite FHA, USDA and Conventional residential mortgage loans in accordance with agency and internal guidelines ensuring compliance with company and investor standards.
• Reviewed, analyzed and verified borrowers', tax returns, credit reports, assets, income documentation and appraisal products.
• Ability to work independently and ability to make solid decisions.
• Ensure documentation is appropriate to support credit decision.
• Demonstrate proficiency in automated underwriting applications and ability to accurately assess results.
• Ability to properly assess and respond to fraud indicators.
• Review appraisals for accurate property valuation.
• Determine eligibility for private mortgage insurance.
• Structure loans according to lender requirements and credit quality.
• Well organized and have ability to work in fast paced environment.
• Issue loan approvals or adverse action notifications.
• Work with Managers and Owners to rectify Post Closing deficiencies.
• Excellent verbal and written communication skills

• Worked at Florida Capital Bank Mortgage from 8/2013 to 9/2015. underwrote loans primarily for Hometown Lenders which was located in same building.
• Underwrote USDA and Conventional residential mortgage loans in
accordance with agency and internal guidelines ensuring compliance with
company and investor standards.
• Reviewed, analyzed and verified borrowers' tax returns, credit
reports, assets, income documentation and appraisal products.
• Ability to work independently and ability to make solid decisions.
• Ensure documentation is appropriate to support credit decision.
• Demonstrate proficiency in automated underwriting applications and ability
to accurately assess results.
• Ability to properly assess and respond to fraud indicators.
• Review appraisals for accurate property valuation.
• Determine eligibility for private mortgage insurance.
• Structure loans according to lender requirements and credit quality.
• Well organized and have ability to work in fast paced environment.
• Issue loan approvals or adverse action notifications.
• Work with Managers and Owners to rectify Post Closing deficiencies.
• Excellent verbal and written communication skills.
• Review and clear conditions for other Underwriting Staff.

• Processed Conventional, VA, FHA & RD Loans, doing substantial amount of business.

• Helped Loan Officers understand best program for clients when did not fit normal product.

• Coordinated closings with Title Companies, Loan Officers and Clients.

• Managed flow and processed Conventional, VA, FHA & RD loans
from start to post closing insuring expedience and good relations with
lenders, closing attorneys and clients.

• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Prepared file for final clear-to-close by branch management.
• Handled any conditions sent from underwriting departments.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Reviewed and validated details of loan applications and closing documentation.
• Verified credit histories, personal references and employment backgrounds for each applicant.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Oversaw file input in mortgage software and grant-specific software.
• Evaluated approvals against established bank and government lending standards.
• Completed denial and cancellation procedures on applicable files.
• Coordinated closing process with attorneys, title companies and government clerks.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering government loans.
• Set up and completed loan submission packages.

• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Prepared file for final clear-to-close by branch management.
• Handled any conditions sent from underwriting departments.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Reviewed and validated details of loan applications and closing documentation.
• Verified credit histories, personal references and employment backgrounds for each applicant.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Oversaw file input in mortgage software and grant-specific software.
• Evaluated approvals against established bank and government lending standards.
• Completed denial and cancellation procedures on applicable files.
• Coordinated closing process with attorneys, title companies and government clerks.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering government loans.
• Set up and completed loan submission packages.

• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Prepared file for final clear-to-close by branch management.
• Handled any conditions sent from underwriting departments.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Reviewed and validated details of loan applications and closing documentation.
• Verified credit histories, personal references and employment backgrounds for each applicant.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Oversaw file input in mortgage software and grant-specific software.
• Evaluated approvals against established bank and government lending standards.
• Completed denial and cancellation procedures on applicable files.
• Coordinated closing process with attorneys, title companies and government clerks.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering government loans.
• Set up and completed loan submission packages.