Shelley Auld
Miami,FL
Summary
My employment background shows the strength I have in maintaining quality standards, and fostering a productive work environment. This has included training employees to problem solving. Meeting and maintaining company standards by providing guidance and ensuring compliance, and most important, communication.
Overview
17
17
years of professional experience
Work History
Conventional Mortgage Underwriter/ Mortgage Loan Officer
PRMG, Inc.
08.2018 - 10.2023
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Defined clear targets and objectives and communicated to other team members.
- Demonstrated knowledge of company mission and goals and mentored employees in reaching objectives aligned with company core values.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Knowledge of federal regulations including but not limited to: TRID, RESPA, HMDA, and ECOA
- Known for my strength in risk assessment, income/credit analysis and documentation review
- Commended for the timely and accurate completion of loan review facilitating volume growth while ensuring submittals met internal and external eligibility guidelines
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Verified integrity of applicants' information to minimize fraud.
Human Resources Administrator
ACP Sheet Metal
07.2015 - 03.2017
- Oversaw employee files for ACP Sheet Metal/ Midwest Fabricators group for over 70 employees
- Oversaw hiring, staffing, and labor law compliance.
- Updated HR database with new employee information, changes in benefits, and other details.
- Managed payroll and timekeeping to track hours and accurately pay employees.
- Streamlined HR efficiencies, coordinated new hire orientations and provided onboarding and training for new employees.
- Uploaded time records into computer system and made adjustments to create accurate database for payroll processing functions.
Mortgage Loan Officer/ Marketing Specialist
Associated Mortgage
03.2011 - 05.2015
- Worked with underwriters to fix application problems and resolve issues
- Reviewed loan files and updated to match current standards
- Explained different types of loans pertaining to client situations
- Compiled a database of loan applicants' credit histories, corporate financial statements, and other financial information
- Developed and maintained relationships with local real estate agents
- Ability to close all loan programs to include USDA, VA, FHA, CONVENTIONAL, and 203K.
Mortgage Loan Officer/ Compliance
Cornerstone Home Loans
02.2009 - 03.2011
- Ability to close all loan products to include USDA, VA, FHA, CONVENTIONAL, and 203K
- Reviewed loan files and updated to match current standards
- Worked with underwriters to fix application problems and resolve issues
- Developed prospects for new loans by marketing
- Originated, reviewed, processed, closed, and administered customer loan proposals
- Compiled a database of loan applicants' credit histories, corporate financial statements, and other financial information
- Developed and maintained relationships with local real estate agents.
Internal Compliance Specialist
Liberty National Bank
12.2006 - 01.2009
- Performed quality control reviews of all loan packages to check adherence with federal and state regulatory requirements
- Tracked customers' loan status to update appropriate teams and facilitate subsequent steps, leading to timely closings
- Reviewed audit and monitoring reports related to consumer and client activities.
- Maintained current knowledge of loan products and applicable requirements, processes, procedures, internal policies, and regulations
- Performed quality reviews with Federal Regulators to uncover workflow and communication issues
- Assisted with training sessions to educate management personnel on compliance and regulatory standards.
Education
Bachelor of Arts - Business Administration And Management
Cameron University
Lawton, OK06.2004
Skills
- Leadership skills
- Decision-Making
- Training
- Excellent Communication
- Attention to Detail
- Complaint Handling
- Self Motivation
- Adaptability and Flexibility
- Underwriting guidelines
- Credit Analysis
- Quality Control
- Accounts Receivable
- Microsoft Outlook
- Communications
- Real Estate
- Financial Information eXchange (FIX) Protocol
- Microsoft Excel
- Bank Secrecy
- Accounts Payable
- Bank Secrecy Act
- QuickBooks (Accounting Software)
- Sales
- Loan Origination
- Business Development
- Data Entry
Timeline
Conventional Mortgage Underwriter/ Mortgage Loan Officer
PRMG, Inc.
08.2018 - 10.2023
Human Resources Administrator
ACP Sheet Metal
07.2015 - 03.2017
Mortgage Loan Officer/ Marketing Specialist
Associated Mortgage
03.2011 - 05.2015
Mortgage Loan Officer/ Compliance
Cornerstone Home Loans
02.2009 - 03.2011
Internal Compliance Specialist
Liberty National Bank
12.2006 - 01.2009
Bachelor of Arts - Business Administration And Management
Cameron University
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