Valerie Gray-Gantt
Mount Holly,NC
Summary
Proficient in scrutinizing documents, rendering precise decisions, and possessing a solid understanding of risk assessments and acceptance criteria, I am eager to secure a position that offers challenging opportunities for personal growth. Skills, coupled with the potential to contribute as a valuable asset, make for an ideal candidate for the company.
Overview
11
11
years of professional experience
Work History
Corporate Senior Underwriter
Thrive Mortgage LLC
11.2020 - Current
- Underwrite Conventional, FHA, USDA & Bond Loans
- Underwrite a minimum of 10-15 new loans per week, with turn times of 72 hours or less to meet the minimum of 50+ loans per month to ensure loan meets investor and program guidelines, i.e. credit report, appraisal, assets, income, title & insurance
- Review conditions turned into underwriting queue within 48 hours
- Evaluate loan transmittals and URLAs for risks and various criteria such as investor requirements, accuracy, consistency, and completeness in order to match AUS Findings
- Maintain current and fluid knowledge of investor and agency guidelines
- Communicates effectively and engages proactively with Loan Originators, Processors, Branch Managers, Funders and Post-Closers regarding loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios
- Utilizes automated underwriting systems to evaluate, score and render final credit underwriting decision
Corporate Loan Processor III
Loandepot.com LLC
08.2020 - 11.2020
- Maintained a pipeline of 50+ loans by keeping stipulations cleared, completing all verifications (verbal & written)
- Maintain quality & customer service of the file
- Process & clear conditions within processor limitations
- Review Income/Appraisal/Credit/DU to make sure loan qualifies
- Email & call loan officer and brokers with stipulations
- Prepare file for Closing once all conditions have been cleared
- Prepare, Review and Disclose CD's before & after the file has been sent to Closing
- Worked with Refinance & Purchase money loans (USDA, VA, FHA & CONVENTIONAL);
- Have Signing Authority so once the file is initially underwritten, I can clear the file to close and submit to closing.
CSR
Finance of America Commercial LLC
03.2018 - 08.2020
- Process commercial loans from initial submission to closing
- Sign off on conditions requested for clearance of the loan within CSR limitations
- Review & Order Background Searches, Credit Reports, Operating Agreements, Articles of Corporations, Certificate of Good Standing, Tax Returns, Assets, Evidence of Experience, Title, HOI & Granite Inspections
- Review these documents for submission for either a line of credit loan or property loan
- Review docs for quality to minimize risk for the company
- Liaison between UW and Clients, which consists of brokers, borrowers and account executives
- Maintain a pipeline of 60+ loans with a 50% - 60% closing ratio
- Keeping with SLA's turn-times.
Account Manager III
Nations Direct Mortgage LLC DBA Motive Lending
08.2015 - 02.2018
- Maintained a pipeline of 70+ loans by keeping stipulations cleared, completing all verifications (verbal & written); maintaining the quality & customer service of the file.; Process & clear conditions within processor limitations
- Review Income/Appraisal/Credit/DU to make sure loan qualifies
- Email & call loan officer and brokers with stipulations
- Review file for quality to make sure we're in compliance
- Prepare file for Closing once all conditions have been cleared and submit to Closing
- Prepare, Review and Disclose LE's and CD's & Review HUDs/CD's and Quality Control Audits before & after the file has been sent to Closing
- Worked with Refinances & Purchase money loans (USDA, VA, FHA & CONVENTIONAL);
- Mentor AMA's to prepare them for the AM position.
Junior Underwriter/Account Manager II
Pacific Union Financial LLC (Formerly ClearVision Funding LLC)
04.2014 - 05.2015
- Maintained a pipeline of 70+ loans by keeping stipulations cleared, completing all verifications (verbal & written); maintaining the quality & customer service of the file.; Process & clear conditions within processor limitations ; Review Income/Appraisal/Credit/DU to make sure loan qualifies; Email & call loan officer and brokers with stipulations; Review file for quality to make sure we're in compliance.; Prepare file for Closing once all conditions have been cleared and submit to Closing; Review HUDs and Quality Control Audits before & after the file has been sent to Closing; Work with Refinances, Escrow Holdbacks & Purchase money loans; Share my industry knowledge to help mentor others
Account Manager II
Maverick Funding Corporation
11.2012 - 04.2014
- Maintained a pipeline of 50+ loans by keeping stipulations cleared, completing all verifications (verbal & written), and maintaining the quality & customer service of the file
- Process & clear conditions within processor limitations
- Review Income/Appraisal/Credit/DU to make sure loan qualifies
- Email & call loan officer and brokers with stipulations
- Review file for quality to make sure we're in compliance
- Prepare file for Closing once all conditions have been cleared and submit to Closing;
- Review HUDs and Quality Control Audits before & after the file has been sent to Closing
- Promoted to Purchasing team to focus mainly on purchase money loan
- Help mentor/train new account managers coming aboard
Education
Bachelor of Arts - Psychology
Southern New Hampshire University
Manchester, NH11.2023
Associate of Applied Science - Secretarial Studies And Office Administration
Rutledge College
Charlotte, NC09.1987
Skills
- 10key: 12,500 keystrokes with 1% error
- Type 70 wpm
- Microsoft Office
- Encompass
- Empower Software
- Customer Service I, II, III, IV
- Underwriting Training & Pre-Qual Training
- Management Skills for the New Supervisor
- FHA Certified
- USDA & Conventional Knowledgeable
- Knowledgeable of 30 Mortgage Bonds
- NMLS Licensed
Accomplishments
- Within the Top 3 AM since September 2013 thru March 2014 at Maverick Funding Corporation
- 2014 September Top AM at ClearVision Funding
- 2014 October Top AM at ClearVision Funding
- 2015 President's Annual Circle of Excellence Award Winner
- 2015 March Top AM at Pacific Union Financial LLC
- August 2018 Top CSR @ Finance of America Commercial
- Have received numerous KUDO'S within the company from peers and managers since 2020
Timeline
Corporate Senior Underwriter
Thrive Mortgage LLC
11.2020 - Current
Corporate Loan Processor III
Loandepot.com LLC
08.2020 - 11.2020
CSR
Finance of America Commercial LLC
03.2018 - 08.2020
Account Manager III
Nations Direct Mortgage LLC DBA Motive Lending
08.2015 - 02.2018
Junior Underwriter/Account Manager II
Pacific Union Financial LLC (Formerly ClearVision Funding LLC)
04.2014 - 05.2015
Account Manager II
Maverick Funding Corporation
11.2012 - 04.2014
Bachelor of Arts - Psychology
Southern New Hampshire University
Associate of Applied Science - Secretarial Studies And Office Administration
Rutledge College
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