Tammy Beckom
Charlotte,NC
Summary
Commercial underwriting professional prepared to bring analytical acumen and strategic thinking to new role. Proven ability to evaluate risk and develop comprehensive underwriting solutions. Known for effective collaboration and delivering results, ensuring team success and adaptability in dynamic environments.
Overview
19
19
years of professional experience
Work History
Sr. Commercial Underwriter
Constructive Capital
10.2021 - Current
- Detail review of credit profile, net worth, assets and experience portfolio to determine an Exposure limit for future Renovation Loans and Bridge loans of residential Investment Property.
- Perform a detailed analyzation of Contracts, Construction/Renovation Budgets, Business plans, Entity structures, Appraisal Reports and exit strategy to access risk level of request.
- Ground Up Construction review includes review of plans and specification, vetting General Contractor, SOW analysis in addition to full analysis of credit criteria to meet investor requirements and to assist asset management team after closing as needed thru end of loan.
- Subject matter expert and point of contact on Fix & Flip, Ground Up Construction, Bridge, and Line of Credit Product.
- Serve as the point of contact for all internal and external sales, as well as staff Underwriters on scenarios and alternative solutions.
- Improved communication between underwriting teams by developing standardized guidelines and documentation templates for consistency in decision-making processes.
- Collaborate with management team for required updates, enhancements, and as needed reformatting of guidelines, forms, and engagement letters.
- Facilitate companywide training session, via self-created power point presentation.
- Streamlined workflow processes, increasing productivity and reducing turnaround time for policy issuance.
- Reduced claim losses with thorough risk assessment and analysis of potential clients.
- Enhanced underwriting efficiency by implementing streamlined processes and procedures.
Sr. Commercial Underwriter/Analyst
Clear Edge Lending
05.2022 - 10.2022
- Performed full detailed review of documentation required to access a sound determination on loan decisions on Fix and Flip, Bridge, Line of Credit, and Long-Term Rental Products.
- Part of a Start-up Commercial Division. Collaborated on guideline, POS interface structure, and training.
- Validate documentation including assets, title/escrow, and appraisals. Identify missing documentation and generate condition lists for operations team members.
- Communicate with Loan Processors and Underwriting Management, providing excellent customer service.
Commercial Underwriter
Finance Of America Commercial
09.2019 - 10.2021
- Performed extensive analysis on Ground Up Construction, Fix and Flip, Bridge Loan Products.
- Trained onboarding Commercial Underwriters.
- Maintained top production levels amongst peers.
- Worked closely with Retail LO on potential loan scenarios.
- Ability to analyze all relevant information in order to assess credit risk and appraisal data to ensure loan and property requests meet guidelines.
Sr. Mortgage Underwriter
Various Lenders
02.2006 - 08.2019
- Company Overview: Certification and Experience in FHA, USDA, VA, Conventional and State Bond programs, while providing impeccable customer service. Extensive experience with Fannie Mae, Freddie Mac, FHA, VA, USDA guidelines and State/Federal regulations.
- Certification and Experience in FHA, USDA, VA, Conventional and State Bond programs, while providing impeccable customer service.
- Extensive experience with Fannie Mae, Freddie Mac, FHA, VA, USDA guidelines and State/Federal regulations.
- Proficient in use of: Encompass, Edge, Word, Excel, Outlook, One Drive, and others.
- Certification and Experience in FHA, USDA, VA, Conventional and State Bond programs, while providing impeccable customer service. Extensive experience with Fannie Mae, Freddie Mac, FHA, VA, USDA guidelines and State/Federal regulations.
Education
Associate of Arts -
MiIler Motte Business College
WilmingtonSkills
- Compliance monitoring
- Teamwork and collaboration
- Problem-solving abilities
- Critical thinking
- Decision-making
- Self motivation
- Analytical thinking
- Written communication
Timeline
Sr. Commercial Underwriter/Analyst
Clear Edge Lending
05.2022 - 10.2022
Sr. Commercial Underwriter
Constructive Capital
10.2021 - Current
Commercial Underwriter
Finance Of America Commercial
09.2019 - 10.2021
Sr. Mortgage Underwriter
Various Lenders
02.2006 - 08.2019
Associate of Arts -
MiIler Motte Business College
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