Hi, I’m
Vickie A. Palmer
Dover,DE
Summary
Self-Motivated Professional with 20 Years Experience in the Financial Industry and 10 Years of Legal Experience as a Civil Litigation Paralegal.
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Seek to secure a full time position that can utilize a myriad of my many skill sets which include excellent customer service and problem solving skills/ in depth credit and quantifying analytics. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. What you do matters and " how" you do it is key to success sustainability.
Overview
20
years of professional experience
Work History
Caliber Home Loans Dover, DE
Senior Mortgage Underwriter/ FHA/CONV/BOND/USDA
03.2015 - 11.2022
Job overview
- Understanding of Income Calculations/ Assets Documentation/ Collateral review.
- Knowledge of Underwriting Guidelines as pertains to internal overlays/ external investor guidelines.
- Review of Credit Reports from vendors.
- Review of Multiple Applications for integrity and structure.
- Self-Employment to include 1040 Schedule C; 1065 and 1120 Returns
- Setting proper expectations from life of loan to ensure positive and profession outcome with each and every customer.
- Maintain above audit metrics with focus on internal/external audits that affect quality and Post Closing and Investor Retention.
- Complete portfolio understanding of aspects secondary market and defects that lead to portfolio retention.
- Pipeline Management which includes upper management delivery so that files are reviewed within SLA stages.
- Excellent communication both orally and in writing.
Bank of AmericaCharlotte, NC
Senior Mortgage Underwriter/ Short Sales Manager
06.2002 - 06.2014
Job overview
- Conventional/ Jumbo, FHA and VA, DSHA, USDA
- Review and Audit first and second application for salability to secondary market/ investors.
- Adherence to Published Guidelines with in depth knowledge of guidelines/ compensating factors/ company overlays and industry standard
- Review of Purchase Contracts/ Title/ Appraisals/ Income / Asset documentation from perspective of not only lender/ but all parties involved.
- Bond Loans
- Understanding Closing Disclosures for both Government and Conventional
- Identify Gaps and Trends
- Provide Coaching and mentor Processing
- Professional Working Relationships with all parties in transaction.
- General Knowledge of closing process.
- Assisted with Start Up of Loss Litigation Department.
- Facilitated and assisted with Retail Mortgage Branch opening in Rehoboth Beach, DE.
- Comprehensive Review of Credit.
- Ability to use Critical Thinking and Judgmental Lending.
- 2009 - 2011 Short Sales Manager.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Proactively identified solutions for customers experiencing credit issues.
Education
Wesley CollegeDover, DE
from Business
2004
Delaware State College, National Academy of Paralegal InstituteDover, DE
Paralegal Certificate
1992
Delaware Technical CollegeDover, DE
Criminal Justice Program from Criminal Justice
1990
Skills
- Excellent communication skills/ Oral and Written
- Mortgage Underwriter with DE certification for FHA / CONV/ BOND/ USDA
- Civil Litigation Paralegal
- DE Code
- Mentor
- Escalations support
- Administrative Support
- Financial History Analysis/ Income/ Assets/ Collateral Review
- Credit History Review
Timeline
Senior Mortgage Underwriter/ FHA/CONV/BOND/USDA
Caliber Home Loans
03.2015 - 11.2022
Senior Mortgage Underwriter/ Short Sales Manager
Bank of America
06.2002 - 06.2014
Wesley College
from Business
Delaware State College, National Academy of Paralegal Institute
Paralegal Certificate
Delaware Technical College
Criminal Justice Program from Criminal Justice
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