Annetta Spearman
Dallas,Texas
Summary
Personable Specialist with 15-year background in developing and maintaining customer relationships. Sound knowledge of federal regulations and underwriting processes. Skilled in evaluating financial histories of clients and building network of money lenders and buyers. Hardworking and flexible individual with numerous of hours of availability per week, including weekends and evenings.
Overview
15
15
years of professional experience
Work History
Sr Loan Modification Specialist
Mr Cooper
12.2021 - Current
- Handles escalated in-bound calls from customers in order to resolve intensified calls and answers general servicing questions.
- Makes outbound calls, working with the borrower to determine the best solution to permanently resolve the delinquency, by using a variety of workout techniques.
- Demonstrates Mr. Cooper values to external and internal customers, vendors, agencies and investors.
- Trusted to manage time, priorities and resources to achieve goals.
- Builds strong relationships with team and manager.
- Generates new ideas to problems and solutions.
- Meets the requirements and expectations of the customer; acts with the customer in mind.
Underwriter
Associated Bank
10.2020 - 05.2021
- Analyzed credit, income, compliance, title documents during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
- Clear conditions and rework loans for changes of circumstance, as necessary.
- Maintain up to date knowledge of current Underwriting policies, guidelines and compliance issues using available resources. Including all lending related Federal and State regulations.
- 3 to 4 loans daily required.
- Ability to identify and/or clear ref flag or alerts.
Property Preservation Specialist
Dimont And Associates
02.2019 - 09.2020
- Investigated properties to determine extent of damage and estimate repair costs.
- Collaborated with claims department and industry anti-fraud organizations to resolve claims.
- Evaluated accuracy and quality of data entered into agency management system.
- Coordinated with contracting department to resolve payer issues.
- Resubmitted claims after editing or denial to achieve financial targets and reduce outstanding debt.
- Modified, updated and processed existing policies.
- 50 plus loans daily required
Underwriter
Small Business Administration
10.2017 - 06.2018
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Monitored and analyzed financial, statistical and operational data trends.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Looked over and approved various types of loans FNMA, VA, USDA, and etc.
- Set up and completed loan submission packages.
- Managed 3 to 4 loans a day
Underwriter
Agility 360
09.2015 - 10.2016
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
- Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral.
- Utilize client’s loan operating system to ensure accurate data entry.
- Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines.
- Evaluate and ensure overall loan documents are accurate, complete, and compliant.
- Ability to identify and/or clear ref flag or alerts.
Loss Mitigation Underwriter
Bank Of America
10.2008 - 04.2009
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Responsible for reviewing, analyzing, approving and underwriting Conventional/ FHA loans; Assist with VA loans and analyze credit reports for debt to income ratio, determining if income will support required debt.
- Monitored pipelines to track and log status of loans.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Education
High School Diploma -
W.H Adamson
Dallas, TX05.1998
Skills
- Underwriter – Regulatory Compliance – Loan Processing – Process Improvement – Customer Care
- FNMA - Tax Returns - Financial Statements – Credit Analysis - Fannie and Freddie Guidelines
- Relationship Development – Cross-Functional Teams - Team Development – Social Security - QA
Timeline
Sr Loan Modification Specialist
Mr Cooper
12.2021 - Current
Underwriter
Associated Bank
10.2020 - 05.2021
Property Preservation Specialist
Dimont And Associates
02.2019 - 09.2020
Underwriter
Small Business Administration
10.2017 - 06.2018
Underwriter
Agility 360
09.2015 - 10.2016
Loss Mitigation Underwriter
Bank Of America
10.2008 - 04.2009
High School Diploma -
W.H Adamson