Summary
Overview
Work History
Education
Skills
References
Affiliations
Timeline
Generic

VANESSA REED

Jacksonville,FL

Summary

Detail oriented and results driven mortgage professional with over 13 years of experience as an underwriter, processor and quality analyst. Possess excellent problem solving skills and strong ability to work within teams and multi-task on assignments under strict guidelines.

Overview

17
17
years of professional experience

Work History

Credit Auditor

LoanLogics
Jacksonville, FL
08.2015 - Current
  • Conduct quality control audits to ensure that the quality of work delivered to the client is reflected.
  • Full review of credit, income and assets including re-calculating income, analyzing credit reports, and bank statements.
  • Underwrite VA, FHA, Portfolio, and Conventional loans according to their lending guidelines.
  • Demonstrate thorough understanding of credit and the ability to review complex financial information along with mortgage documents.
  • Review appraisal reports for acceptance of value, content and accuracy.
  • Successfully review up to six files per day.

Mortgage Operations Underwriter I

PNC Mortgage
Jacksonville, FL
03.2015 - 07.2015
  • Review, examine, and underwrite loans to ensure soundness, business value, and compliance to guidelines and investors standards.
  • Evaluate debt to income ratios, loan to value ratios, credit scores, property valuation and other factors.
  • Determine and document loan conditions , communicate requirements and, or loan approvals, decisions.
  • Assist, identify, recommend, and, or negotiate alternative loan requirements, funding, and, or loan-structuring solutions.
  • Clear loan approval conditions, issue notice of adverse action to decline customers after 2nd level review, and update system status as needed.
  • Build and manage extensive networks of business partners and internal relationships.

File Quality Analyst

PNC Mortgage
Jacksonville, FL
04.2013 - 03.2015
  • Review files for completion prior to submission to underwriting.
  • Ensure income, assets and credit documents are complete.
  • Communicate with loan officers and market managers on files that pass or get detoured.
  • Update the status of files in impact as well as a monthly spreadsheet.
  • Responsible for keeping up with loans that are in document procurement.
  • Review new documents as they come in to ensure that the file is complete for underwriting review.
  • Review of conventional, FHA, VA, Jumbo Portfolio, conforming Jumbo, Super conforming Jumbo, RD/USDA and Bond Review of product guidelines and keep up with changes to guidelines to ensure what documents are being requested and provided are in line with the guides.

Senior Mortgage Operations Processor

PNC Mortgage
Jacksonville, FL
06.2012 - 04.2013
  • Responsible for processing conventional, FHA, VA, HARP, BOND, USDA, 203K FHA, CO-OP and Wealth loans.
  • Responsible for reviewing assets, income, and credit documents.
  • Responsible for contacting third party vendors such as title companies, homeowners insurance companies to obtain updates and documents in order to process loan applications.
  • Responsible for working with the loan officer, customer, and communicating the status on the loan process to ensure a seamless transaction.
  • Working with quality control on pre-funding or post-funding conditions before loans are sold to our investors.

Processor III/CRA Bond Specialist

Everbank
Jacksonville, FL
01.2011 - 01.2012
  • Process FHA/VA Bond loans for first time home buyers that use down payment assistant programs such as FL Housing, H2H Jacksonville Housing Authority and FHLB Federal Home Loan Bank of Atlanta.
  • Pre-review and analyze borrower income, assets and credit documentation then contact the borrower and request additional information.
  • Review appraisals and give advance notice to the mortgage loan officer for additional conditions that underwriting may require.
  • Review title commitments to ensure that there are out standing liens, judgments or mortgages on the property.

Mortgage Credit Examiner/Home Services Specialist II

Bank of America
Jacksonville, FL
01.2006 - 01.2011
  • Bond Team Process FHA and VA mortgage/government bond purchase transactions using a paperless system.
  • Obtain and analyze borrower income, asset, and credit documentation, as well as underwrite and meet income, asset, and credit conditions on LP Accept files Review title commitments for outstanding liens, judgments, and mortgages on the property.
  • Review appraisals and give advance notice to the mortgage loan officers for additional conditions that underwriting may require.
  • Assist teammates when they are in need of help in reviewing and clearing conditions.

Education

High School Diploma - undefined

Orange Park High School
Orange Park, FL
1988

Skills

Microsoft Office Suite

Desktop Underwriter

Loan Prospector

LoanHD

iMpact 

Bilingual

Independent worker

Strong verbal communication

Strong knowledge of FHA, VA and Conventional guidelines

References

References REFERENCES AVAILABLE UPON REQUEST

Affiliations

Mortgage Credit Examiner Group Exercise Instructor Group Indoor Cycling Instructor Crossfit Level 1 Instructor IFPA Proffesional

Timeline

Credit Auditor

LoanLogics
08.2015 - Current

Mortgage Operations Underwriter I

PNC Mortgage
03.2015 - 07.2015

File Quality Analyst

PNC Mortgage
04.2013 - 03.2015

Senior Mortgage Operations Processor

PNC Mortgage
06.2012 - 04.2013

Processor III/CRA Bond Specialist

Everbank
01.2011 - 01.2012

Mortgage Credit Examiner/Home Services Specialist II

Bank of America
01.2006 - 01.2011

High School Diploma - undefined

Orange Park High School

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VANESSA REED