Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Suzette Rall

Suzette Rall

San Jose,CA

Summary

Seeking an assignment as a Mortgage Loan Operations 111 to capitalize on my wide array of experience in talent acquisition, management, recruiting, sourcing, staffing, and employee relations. Management analysis, supervision, personnel finance management, and organizational development; CFO-level operations for firms of all sizes. Business Development Management . Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.

Overview

10
10
years of professional experience
12
12

Certifications

Work History

Underwriter

Mortgage Loan, Staffing
06.2021 - 04.2023
  • Mortgage loan operations analysis for PPP loan forgiveness
  • Reviewed and Analyzed customers portfolio for Business loans startups forgiveness
  • Prepared and analyzed financial data related to new and renewal loan requests, working capital, loans for business start-ups, and business acquisitions
  • Called the customer to gather data needed, maintaining contact with clients and resolving issues new PPP Loan documents required by SBA
  • Reviewed SBA letters to consumers portfolio and sent out updated letters to the customers in a timely manner
  • Spoke with the attorneys, the SBA, USDA, and financial or other legal resources to obtain correct and accurate documents to fully protect the financial institution's interests in credit relationships
  • Demonstrated compliance with all bank regulations
  • Prepared the operational or risk reports for management analysis for each file and underwriting the file
  • Advanced analytical and problem-solving skills with prior consumer, and commercial lending experience, wide-ranging and in-depth knowledge of industry practices.

Senior Mortgage Underwriter

Apex
09.2020 - 10.2020
  • Deep knowledge of Fannie Mae and Freddie Mac guidelines FNMA, FHMLC, HUD VA Loans
  • Developed a working knowledge of all business operations of the branch office environment
  • Demonstrated an ability to identify and solve problems; used initiative and good judgment to reach quality decisions
  • Computed income and debt ratio calculations following program guidelines and ability to repay requirements
  • Performed mortgage credit analysis without the assistance of AUS
  • Manually underwrite complex transactions to ensure the loan meets lenders established guidelines
  • Ability to work in a fast -paced environment and meet daily goals
  • Fast learner / Trainable / Problem solver

Commercial Regional Manager

NexusFunding123
10.2019 - 05.2020
  • Assumed responsibility for the quality of full file review underwriting of all loans within this group to assure the marketability of the product to the secondary market to determine compliance with companies’ investors and guidelines
  • Communicated with customers about proper documents and information needed to obtain mortgage loans
  • Jumbo, Hard Money, Commercial Loans, Construction Loans, SBA Financing, Programs: FHA financing with a Down Payment Assistance program to cover 3.5% of down payment or closing costs as a grant with minimum restrictions and a required FICO of 620
  • Commercial Business

S&D Secured Investments
01.2005 - 01.2018
  • Financial Acquisition Disposition/ Asset Management Advisory: Analyzed financial information obtained from clients to determine strategies for meeting clients' financial objectives
  • Worked with several High-net-worth lenders
  • Provided marketing advertisement sales and business development for the company
  • Corporate financial executive administrators
  • CFO-level operations for firms of all sizes
  • Analyzes acquisitions, divestitures, and mergers for profitability and long-term viability
  • Raises debt funding from traditional banks and asset-based lenders
  • Lender funding resources include life companies’ conduits, bank pension funds
  • Green Energy Financing and Direct to Lender funding resources including life companies.

Healthcare Recruiter

06.2012 - 09.2012
  • Power Personnel |Within the short period of my hire date: over exceeded the company’s expectations in delivery of Nurses| Recruited 62 RN’s, 25CNA’s, 35 MA’s
  • Evaluated, and measured appropriate and effective sources for achieving a high level of qualified candidate traffic
  • Company had a ongoing contract with Kaiser Permanente
  • Conducted the most thorough reference checks and background investigations, ensuring that we are entrusting our customers, our business, and our future to the best possible employees
  • Processed, verified, and maintained personnel related documentation, including staffing, recruitment, training, grievances, performance evaluations, classifications, and employee leaves of absence
  • Explained company personnel policies, benefits, and procedures to employees or job applicants
  • Answered questions regarding examinations, eligibility, salaries, benefits, and other pertinent information
  • Generating leads through networking, Identifying and qualifying new clients and candidates
  • Opening new clients (job orders), In-person presentation abilities, Delivering recruiting and staffing solutions
  • Providing information and quotations, negotiating contracts, Closing clients and candidates.

Wholesale Account Executive

Wholesalelendingonline.com
01.2005 - 01.2006
  • Signed up 97% of Santa Clara Valley Mortgage Companies with WLO Wholesale Lending
  • Coordinated team players in branches, offices, or departments of establishments, such as branch banks, brokerage firms, or credit departments
  • Reviewed Loan files for the Loan officers
  • Educated the real estate agents and mortgage lending industries & ability to learn and educate others on the key principles related to homeownership.

Mortgage Loan Officer

Bank of America
01.2003 - 01.2004

Mortgage Loan Officer

The Pinnacle Group
01.2000 - 01.2002

Healthcare Manager- Recruiter

Fred & Mary Man Subi, M.D.F.A.A.P
01.1990 - 01.2000

Education

NAMU) Campus Mortgage Certified Master Mortgage Underwriter (NAMU-CMMU), Regulatory Compliance (NAMU-CMRC), Commercial Underwriting & Processing (NAMU-CCUP), Certified Master Mortgage Underwriter (v15). Analyzing Personal the Personal Tax Returns -Certification. Analyzing Income for the Self-Employed Borrower – Certification. Continued Education| Excellent -

ASSOCIATION OF MORTGAGE UNDERWRITERS

credit risk and great understanding of asset state Salaried Income Analysis Certification. Documentation and Eligible Sources Certification. Certification Rental Income-Schedule E | Dodd-Frank Roll Bac, FHA Direct Endorsement, DE Underwriting, LAPP/SAR Underwriter Certified Affinity Real Estate & Mortgage |ONLINE EXAM PREP MASTERCLASS NMLS-in Progress. Present Real Estate Principles: SAFE Mortgage Certificate Loan Banking: (NMLS ID 1060728) NMLS Certificate: Approval #1596 Allied Real Estate -FNMA, FHMLC - undefined

VA Loans. - undefined

Dodd Frank Roll Back

Pre-Nursing - Nursing

De Anza College, Cupertino, CA
2013


Prerequisites for Nursing,

12 years’ experience as a Healthcare Manager. Graduated NEC National Education Bryan Campus.

A.A - undefined

1992
47 College units which is 71 college quarter unit Equivalent combination of education and experience to associate degree, -year college. 160 hours of externship

Diploma - Business Administration

Hartnell College
1992

Front and Back office, | Academic Scholarship Award- Outstanding Achievement- 1975-1976.

Skills

  • Software Experience
  • Microsoft office; 2023 (MS Word, Excel, Publisher, Access, Sway, Power point, Publisher) Medical Manager Software, Encompass, Pointe, MS Outlook 2020, Meditech Software, Epic systems, Auto Click Profits, Net ox Software, Salesforce, SBA Portal, Okta,
  • Client Relationship-Building
  • Risk Management
  • Risk Assessment
  • Government Standards
  • Underwriting Calculations
  • Financial Advisement
  • Desktop Underwriter
  • Business Development
  • Net Operating Income Formulation
  • Property Appraisals
  • Freddie Mac and Fannie Mae Compliance
  • Account Collections
  • Customer Satisfaction
  • Quality Assurance

Accomplishments

  • Managed $500M book of business.
  • Exceeded the Company's expectations within the short time frame with the company by about 70%.
  • PPP Loans were accomplished within the banks time frame.


Certification

  • Certified NAMU®-CMMU, Campus Mortgage -2023
  • (NAMU®-CMRC)
  • Certified
  • Dodd-Frank Roll Bac, FHA Direct Endorsement, DE Underwriting, LAPP/SAR Underwriter Certified available
  • Affinity Real Estate & Mortgage NMLS ID: 1060728. ONLINE EXAM PREP MASTERCLASS NMLS-in Progress.
  • Certified NAMU®-CCUP, Campus Mortgage -2019

Timeline

Underwriter - Mortgage Loan, Staffing
06.2021 - 04.2023
Senior Mortgage Underwriter - Apex
09.2020 - 10.2020
Commercial Regional Manager - NexusFunding123
10.2019 - 05.2020
Healthcare Recruiter -
06.2012 - 09.2012
- S&D Secured Investments
01.2005 - 01.2018
Wholesale Account Executive - Wholesalelendingonline.com
01.2005 - 01.2006
Mortgage Loan Officer - Bank of America
01.2003 - 01.2004
Mortgage Loan Officer - The Pinnacle Group
01.2000 - 01.2002
Healthcare Manager- Recruiter - Fred & Mary Man Subi, M.D.F.A.A.P
01.1990 - 01.2000
ASSOCIATION OF MORTGAGE UNDERWRITERS - NAMU) Campus Mortgage Certified Master Mortgage Underwriter (NAMU-CMMU), Regulatory Compliance (NAMU-CMRC), Commercial Underwriting & Processing (NAMU-CCUP), Certified Master Mortgage Underwriter (v15). Analyzing Personal the Personal Tax Returns -Certification. Analyzing Income for the Self-Employed Borrower – Certification. Continued Education| Excellent,
- credit risk and great understanding of asset state Salaried Income Analysis Certification. Documentation and Eligible Sources Certification. Certification Rental Income-Schedule E | Dodd-Frank Roll Bac, FHA Direct Endorsement, DE Underwriting, LAPP/SAR Underwriter Certified Affinity Real Estate & Mortgage |ONLINE EXAM PREP MASTERCLASS NMLS-in Progress. Present Real Estate Principles: SAFE Mortgage Certificate Loan Banking: (NMLS ID 1060728) NMLS Certificate: Approval #1596 Allied Real Estate -FNMA, FHMLC,
- VA Loans.,
De Anza College - Pre-Nursing , Nursing
- A.A,
Hartnell College - Diploma, Business Administration

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