Teresa Blankenship

• Underwrote Conventional, USDA, FHA/VA/USDA and various DPA and Bond loans by making sound credit decisions based on collateral, credit, income, and asset documentation while adhering to Company, Investor and Agency guidelines
• Subject matter expert on various DPA and Bond Programs
• Conducted various meetings and training sessions on specific DPA and Bond programs
• Offered coaching to processors loan officers and underwriters on policy and procedures
• Assisted company on internal condition sets to ensure accurate Conventional conditions were firing via Candor Technology
• Accomplishments : Obtained VA SAR Authority ,Received numerous recognitions for outstanding service , high producer and quality work , Recognized as subject matter expert on self employed borrowers, DPA and Bond programs , Cross trained on Candor Technology , Obtained Full Underwriting authority on all Company Programs

• Underwrote Conventional, USDA, Various Bond Loans, Fannie Mae Home Style, FHA 203k, In House Rehab Loans and FHA 203b loans by making sound credit decisions based on collateral, credit, income, and asset documentation while adhering to Company, Investor and Agency guidelines
• Mentor to underwriters new to Bond Loans and Rehab Loans
• Offered coaching to processors loan officers and underwriters on policy and procedures
• Assisted company on internal audits of loans during an acquisition of a new Lending Portfolio
• Accomplishments : Increased my underwriting designations by obtaining several training certificates in order to underwrite various Bond Loans and Rehabilitation Loans, Received numerous recognitions for my assistance to loan officers on difficult loan files and coaching on guidelines and loan structuring, Consistently met or exceeded turnaround and quality production standards, Recognized as the subject matter expert on Rehabilitation Loans and some state Bond Loans

• Underwrote Conventional, USDA, VHDA and FHA loans by making sound credit decisions based on collateral, credit, income, and asset documentation while adhering to Company, Investor and Agency guidelines
• Assisted management with training new and current employees with Encompass
• Assisted management with creating underwriting guidelines for Company in house products

Accomplishments: Recognized for in depth loan knowledge and with assisting loan officers with complex loan files,

• Underwrote Conventional and FHA loans by making sound credit decisions based on collateral, credit, income and asset documentation while adhering to Company and Investor Guidelines
• Reviewed and accepted or conditioned appraisals in accordance with Company and Investor guidelines,
  evaluated third party data to assist in determining supported appraised value. Analyzed collateral related
  alert flags and cleared them accordingly
• Accomplishments: Consistently met or exceeded turnaround and quality production standards on both Credit and Collateral Sides, Obtained CHUMS ID, Regarded as one of the company's most productive underwriters, handling an average of 80 files monthly

• Mentored and trained other teammates with policy and procedures
• Underwrote conventional loans, including Home Equity Products by making sound credit decisions based on credit, income and asset documentation while adhering to Company and Investor Guidelines
• Accomplishments: Started as Temporary worker and hired on as a permanent employee in less than 6 months

• Reviewed mortgage loan files to ensure a high level of quality and accuracy was maintained on documents related to early disclosures, property evaluations, underwriting and compliance prior to closing
• Assisted manager with audits on specific loan documents to ensure regulations with company, agency and investors were met
• Mentored and trained other teammates with policy and procedures

Accomplishments: received 100% quality review ratings in all tasks preformed

• Handled any conditions sent from underwriting departments.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Worked with customers via telephone to answer questions, process transactions, and resolve issues.
• Analyzed borrower credit reports asset and income statements, employment and appraisals to verify accuracy.
• Trained and mentored teammates on company and investor , Agency systems including FHA Connection, Desktop Underwriter and Loan prospector

Accomplishments: Received accommodations for training existing teammates and new employees

• Provided support to loan officer and underwriter teams by ensuring the timely, judicious and accurate
  processing of mortgages
• Pre Underwrote, reviewed and verified borrowers’ income, assets, credit reports, employment histories,
  property appraisals and title insurance information to prepare loan applications for underwriting
  submittal.
• Ensured compliance with company policies, underwriting guidelines and lending-program requirements
• Assisted loan officers and other teammates with questions, structuring of loans including FHA/VA, USDA, Conventional, Sub-Prime (Asset Based) and Jumbo products, guidance with rate sheets and credit guidelines

Accomplishments: Increased authority from a junior processor to a senior processor with signing authority in less than a year, Outperformed company average in achieving loan-processing turn-around time of 10 days or less (compared to typical 15 to 20 days, Regarded as one of the company’s most productive loan processors, handling an average of 60 files monthly