Tammy Butler
Canal Fulton,OH
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with internal and external customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Detail-oriented Quality Control Analyst well-versed in qualitative and quantitative analysis techniques. Demonstrated knowledge of Conventional, FHA, and VA review. Strong background in collecting and analyzing quality measures and making recommendations for process and quality improvements.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Quality Control Analyst
Cross Country Mortgage
Brecksville, OH
11.2021 - 10.2022
- Trained and coached existing and new employees on multiple investigative case types and internal control processes.
- Inspected Mortgage applications in process and compared against standards to meet regulatory requirements.
- Identified and resolved variances to bring products in line with requirements.
- Inspected raw materials and finished products to verify quality and disposed items that did not meet safety requirements.
- Inspected incoming products for adherence to labeling laws and company quality standards.
Sr FHA Mortgage Underwriter
Huntington National Bank
Columbus, Ohio
08.2020 - 10.2021
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Verified integrity of applicants' information to minimize fraud.
- Collaborated with processors and loan officers to achieve more streamline processes
Sr Mortgage Underwriter
Aerotek
Akron, Ohio
03.2020 - 08.2020
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Maintained expected production of 2.5 points per day.
Sr Mortgage Loan Officer
Farmers National Bank Of Canfield
Canfield, Ohio
05.2019 - 03.2020
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Explained very technical financial information to applicants in easy to understand language.
- Assisted colleagues with applications and self employed borrowers calculations for accuracy
- Resolved problems, improved operations and provided exceptional service
Sr Underwriter
Chase Mortgage
Cleveland, Ohio
07.2016 - 08.2018
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards to incoming 3rd party closed files and files to be decisioned.
- Contact with 3rd party lenders to ensure salability of loans and compliance .
- Collateral review of Condo, CO-OP, Single Family, Multi unit.
Sr Underwriter
PNC Mortgage
Pittsburg, PA
07.2015 - 07.2016
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Ordered and reviewed mortgage insurance when applicable
- Requested and verified homeowners insurance.
- Maintained acceptable loan production
Loan Officer Assistant
Northpointe Bank
Grand Rapids, MI
06.2014 - 01.2015
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
- Conferred with applicants and creditors to obtain information and resolve paperwork discrepancies.
- Communicated with customers daily to request information and complete paperwork.
- Managed event planning and execution for learning lunches and other business-centered gatherings.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.
- Scheduled meetings and appointments and maintained well-organized master calendar.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
Mortgage Underwriter
Wells Fargo
Independence, OH
12.2012 - 12.2014
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Met timeline consistently, turning around applications quickly with firm approval or denial decisions.
- Verified integrity of applicants' information to minimize fraud.
- Checked personal and team calculations to validate information and underwriting decisions.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Maintained mortgage program compliance with federal agencies such as FHLMC, FNMA.
Education
No Degree - Loan Officer
Hondros College
Independence, OHNo Degree - Business Classes
Jamestown Community College
Jamestown, NYHigh School Diploma -
Jamestown High School
Jamestown, NYSkills
- Loan File Maintenance
- Credit File Updating
- Income Evaluation
- Customer Relations
- Product Education
- Loan Feasibility Assessment
- Problem Solving
- Application Review
- Automated Underwriting System (AUS)
- Tax Liability Calculation
- Attention to Detail
- Quality Issue Identification
- Critical Thinking
- Consistent Procedure and Protocol Use
- Desktop Underwriter
- Attentive and Observant
- Account Verification
Certification
- FHA Endorsement
Timeline
Quality Control Analyst
Cross Country Mortgage
11.2021 - 10.2022
Sr FHA Mortgage Underwriter
Huntington National Bank
08.2020 - 10.2021
Sr Mortgage Underwriter
Aerotek
03.2020 - 08.2020
Sr Mortgage Loan Officer
Farmers National Bank Of Canfield
05.2019 - 03.2020
Sr Underwriter
Chase Mortgage
07.2016 - 08.2018
Sr Underwriter
PNC Mortgage
07.2015 - 07.2016
Loan Officer Assistant
Northpointe Bank
06.2014 - 01.2015
Mortgage Underwriter
Wells Fargo
12.2012 - 12.2014
No Degree - Loan Officer
Hondros College
No Degree - Business Classes
Jamestown Community College
High School Diploma -
Jamestown High School