Summary
Overview
Work History
Education
Skills
Timeline
Generic

Wendi Pearce

Warrior,AL

Summary

Hardworking Senior Underwriter effective at achieving control and profitability objectives according to company guidelines. Experienced in partnering with field producers to support marketing and sales activities. Over 33 years of experience in Mortgage Lending.

Overview

33
33
years of professional experience

Work History

Remote - Senior Final Signoff Underwriter

Rocket Mortgage
Detroit, MI
01.2021 - 05.2022
  • Assisted senior executives with final loan closings and underwriting, coordination and submission of high-profile loan conversion packages.
  • Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
  • Oversaw quality control of tax credit financial models involving underwriting integrity and project budgets.
  • Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Supported marketing and sales activities with subject matter expertise.
  • Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
  • Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
  • Created debt analysis and comparison reports contrasting various conventional and government-backed financing options.

Appraisal Coordinator

BBVA Compass
Birmingham, AL
02.2014 - 12.2020
  • Monitored completion of reports and turnaround of orders for fee and staff appraisers for the state of Texas.
  • Obtained fee amounts from fee appraisers for applications requiring loan estimates.
  • Composed and ordered engagement letters to fee appraisers.
  • Assisted in data entry for residential reviews of appraisals and evaluations.
  • Communicated with fee appraisers regarding orders, reports and assignment schedules.
  • Optimized organizational systems for payment collections, AP/AR, deposits and recordkeeping.
  • Provided backup to front desk to step in to assist with various tasks whenever employee was absent or at lunch.
  • Improved customer satisfaction scores through application of superior conflict resolution and problem-solving skills.
  • Hired, managed, developed and trained staff, established and monitored goals, conducted performance reviews and administered salaries for staff.
  • Monitored front areas so that questions could be promptly addressed.
  • Oversaw appointment scheduling and itinerary coordination for both clients and personnel.
  • Improved office operations by automating client correspondence, record tracking and data communications.
  • Mentored office employees on proper administrative procedures and how to use programs such as Mortgage Cadence, keeping operations consistent and efficient for maximum performance.
  • Analyzed and solved multi-faceted problems that effected executive leaders and business initiatives.
  • Developed and implemented office management procedures to increasing training team productivity and accuracy.
  • Achieved specific team objectives and collection activity.
  • Coordinated individual duties after careful evaluation of each employee's skill level and knowledge.

Mortgage Loan Processor

Various
Birmingham, AL
03.1989 - 03.2014
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Prepared file for final clear-to-close by branch management.
  • Handled any conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Communicated with originator and applicant concerning progress of loan file.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
  • Set up and completed loan submission packages.
  • Received on-going, comprehensive training on home loan products and mortgage process.
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering Conventional/FHA/VA/USDA purchase and refinance loans.
  • Coordinated closing process with attorneys, title companies and government clerks.
  • Evaluated approvals against established bank and government lending standards.
  • Completed denial and cancellation procedures on applicable files.
  • Oversaw file input in mortgage software and grant-specific software.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Reviewed and validated details of loan applications and closing documentation.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Assessed customer account histories to determine previous compliance with payment plans and loan terms.
  • Filed completed loan applications with underwriting and made approval or denial recommendations.
  • Produced and submitted completed loan packages to title and escrow professionals.
  • Consulted with outside vendors to identify and resolve loan closing issues.

Education

High School Diploma -

Glen Iris Baptist School
Birmingham, AL
05.1988

Skills

  • Pipeline Management
  • Interdepartmental Communication
  • Desktop Underwriter
  • Property Appraisals
  • Customer Interaction
  • Underwriting and Adjustments
  • Staff Support
  • Banking Standards
  • Professional Integrity
  • Income Statements
  • Data Collection
  • Inspection Reviews
  • Loan Portfolio Management
  • Lender Relationships
  • Customer Satisfaction
  • Annual Reviews
  • Credit Application Review
  • Departmental Support
  • Organizational Strengths
  • Government Agency Guidelines
  • Regulatory Compliance and Documentation

Timeline

Remote - Senior Final Signoff Underwriter

Rocket Mortgage
01.2021 - 05.2022

Appraisal Coordinator

BBVA Compass
02.2014 - 12.2020

Mortgage Loan Processor

Various
03.1989 - 03.2014

High School Diploma -

Glen Iris Baptist School

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Wendi Pearce