Theresa Beam

During this time, I lived in the state of Washington in the role of a nanny to my three grandchildren while my daughter in law attended the University of Washington Dental School and my son, who is in the Air Force, was stationed in Salt Lake City. Things are finally falling into place for them so I am no longer needed there and moved back to south Florida.

• Improved loan approval rates by meticulously reviewing and verifying application documentation.
• Reduced processing time for mortgage applications through diligent management of underwriting tasks.
• Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
• Collaborated with loan officers to clarify applicant information and expedite the underwriting process.

• Updated quality control standards, methods and procedures to meet compliance requirements
• Followed quality standards and procedures to minimize errors and maximize customer satisfaction
• Improved quality processes for increased efficiency and effectiveness
• Recommended loan approvals and denials based on customer loan application reviews
• Reconstructed loans for those that did not qualify for the program that loan was originally submitted under
• Initiated and provided effective credit and collateral loan decisions in alignment with investor's guidelines

• Assessed and provided key decisions on loans, while evaluating credit applications, appraisals and all other mortgage-related documents
• Consistently ensured strict compliance with the company guidelines as well as Fannie Mae and Freddie Mac requirements, by utilizing the automated underwriting engines

• Solely monitored adherence to Fannie Mae/Freddie Mac, investors and company guidelines in reviewing loan files for proper credit and collateral documentation
• Assumed full accountability in conducting credit decisions; analyzing personal and corporate tax returns and resolving files which were not qualified under a program through loan reconstruction

• Oversaw and re-underwrote loans purchased by Fannie Mae that were in default/foreclosure
• Performed various duties, such as regulatory compliance, appraisal review and complex tax returns

• Drove performance improvements as reflected in meeting all turn times while exceeding all goals
• Took part in proficiently underwriting reverse mortgages meeting HUD's and investor's guidelines

Strategically led the underwriting and conditions of reverse mortgage loans to guarantee the achievement of all investor and HUD guidelines.

• Initiated and provided effective credit and collateral loan decisions in alignment with investor's and HUD's guidelines
• Contributed to the company's achievement of the JD Power Award for providing outstanding and quality customer service