Summary
Overview
Work History
Education
Skills
Safe Certified
Cellular
Nmlsr Id
Training Education Skills
Timeline
Generic

Susan Adamson

Goodyear,AZ

Summary

Knowledgeable and experienced senior mortgage professional in residential home lending. Demonstrated history of exceptional work ethic and integrity. Motivated, detail oriented, strong focus on quality and customer experience. Talented Professional with 22 years of experience and expertise in jumbo/portfolio underwriting. Strong statistical analysis, quoting and negotiating skills.

Overview

27
27
years of professional experience

Work History

Sr. Non-Conforming Underwriter IV, Quality Control Analyst IV, Portfolio Credit Office underwriter. Lending Authority Services Analyst IV

Wells Fargo
Tempe, AZ
02.2013 - 12.2022
  • Performed manual underwriting on complex non-conforming / portfolio loans with multiple risk layers, demonstrating lending authority of $2mm.
  • Exception authority on select transactions for DTI, FICO, PCL and LTV
  • Demonstrated exceptional pipeline management and expert judgement in credit risk and offsets.
  • Effectively communicated loan decisions with sales staff and customers
  • Performed AML and BSA due diligence: comleted SAR filings.

Research Consultant/Fraud Investigator/Auditor/Default Underwriter/team Lead

NIA Consulting/Interthinx
Tempe, AZ
04.2008 - 02.2013
  • Conducted thorough quality control evaluations for loans before or after closing, ensuring accuracy and compliance
  • Audit and underwrite mortgage loans, ensuring compliance with new government regulations.
  • Conducted thorough reviews of post closing mortgage loan files to identify potential misrepresentations
  • Conducted second level reviews
  • Maintained an impeccable record with no significant findings
  • Conducted interviews to assess loan participants' level of involvement
  • Prepared reports for clients containing research findings, pertinent facts, and transaction analysis.

Underwriter/Quality Control Analyst

First National Bank of Arizona
Tempe, AZ
08.2006 - 03.2008
  • Analyzed delinquent loan portfolios for third party recourse and recovery
  • Performed audits on all fraud or misrepresentation identified in origination QC audits, EPD audits, Investor Repurchase Demands, and Investor mandated audits, conforming and non-conforming
  • Maintained quality control and volume standards
  • Re-underwrote EPD and fraudulent loans to determine deficiencies against lender or investor.

Team Manager/Conventional Correspondence Underwriter/ Non-agency Retail Underwriter

Washington Mutual
Phoenix, AZ
01.2003 - 07.2006
  • Managed customer care team, validation team, and loan delivery teams (2005 to 2006)
  • Recognized for significant increase in team production and decrease in non-compliance findings
  • Issued daily reports to all levels of management, detailing deficiencies and goals, recommending action when required
  • Maintained knowledge of compliance / regulatory requirements.

Contract Underwriter/QC & Compliance Auditor/Due Diligence Team Lead

RPI, Mentor 4 Inc., Clayton Group
07.2000 - 01.2003
  • Performed all required underwriting procedures (manual and automated) to render sound lending decisions on agency/non-agency, portfolio, standard/sub-prime, first and second mortgages
  • Performed compliance and due diligence reviews, and automated product and program eligibility reviews to verify compliance with client and investor underwriting guidelines plus all state, municipal and federal regulations and licensing requirements.

Substitute Teacher

Downriver School Districts
Wyandotte, MI
09.1995 - 06.2000
  • Provided education and instruction in various subject areas for classrooms of 25 to 30 students.

Medical Specialist

United States Army

Education

Some College (No Degree) - Elementary Education

University of Michigan
Dearborn, MI

Some College (No Degree) - Diagnostic Medical Sonography

Oakland Community College
Bloomfield Hills, MI

Skills

  • Loss Protection
  • Mortgage Underwriting
  • Risk Mitigation
  • Managing risk
  • Analyzing data
  • Data Collection
  • Quality Assurance
  • Insurance knowledge
  • Documentation Review
  • Quality Control
  • Loss Mitigation
  • Credit analysis
  • Risk Assessment
  • Portfolio Management

Safe Certified

True

Cellular

(734) 612-0495

Nmlsr Id

1524630

Training Education Skills

NAMB Courses: Sub-prime lending: Underwriting the self-employed borrower., Underwriter, credit exception underwriter, QC Auditor, Loan Auditor, Mortgage, Banking, Quality Control, Lexis Nexis, Fraudulent loans, Fraud, post closing, delinquent audits, delinquent loans, post purchase quality control, Regulatory compliance, risk mitigation, AML and BSA expert, customer service manager, substitute teacher

Timeline

Sr. Non-Conforming Underwriter IV, Quality Control Analyst IV, Portfolio Credit Office underwriter. Lending Authority Services Analyst IV

Wells Fargo
02.2013 - 12.2022

Research Consultant/Fraud Investigator/Auditor/Default Underwriter/team Lead

NIA Consulting/Interthinx
04.2008 - 02.2013

Underwriter/Quality Control Analyst

First National Bank of Arizona
08.2006 - 03.2008

Team Manager/Conventional Correspondence Underwriter/ Non-agency Retail Underwriter

Washington Mutual
01.2003 - 07.2006

Contract Underwriter/QC & Compliance Auditor/Due Diligence Team Lead

RPI, Mentor 4 Inc., Clayton Group
07.2000 - 01.2003

Substitute Teacher

Downriver School Districts
09.1995 - 06.2000

Medical Specialist

United States Army

Some College (No Degree) - Elementary Education

University of Michigan

Some College (No Degree) - Diagnostic Medical Sonography

Oakland Community College

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