Wendy Thackurdeen
Ocoee,FL
Summary
Dynamic leader with extensive expertise in mortgage loan administration and construction administration, particularly at United Community Bank. Achieved a remarkable 98% on-time closing rate through strong regulatory compliance and client relationship management. Known for exceptional collaboration skills and meticulous attention to detail, ensuring high-quality service and operational efficiency.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Construction Administrator II
United Community Bank
08.2022 - 08.2024
- Set up initial construction administration files in Encompass, ordering inspections and calculating draws
- Process NTOs and maintain the current NTO list
- Prepare, collect, and manage lien waivers from Builder
- Coordinated the disbursement of draw funds to borrowers/builders and maintained comprehensive construction administration files
- Monitored construction period maturities, appraisal expirations, PMI, and insurance to ensure timely processing
- Engaged with builders to gather necessary documentation such as licenses, references, and contracts, ensuring builder compliance with bank policies
- Collaborated with the Mortgage Loan Officer to manage loan modifications and address borrower needs
- Oversaw portfolio monitoring to detect issues such as excessive construction periods, late payments, or insurance expirations
Mortgage Loan Coordinator III / Team Lead / Jr Underwriter/ Compliance
Seaside Bank/ United Community Bank/ Suntrust Bank/ JP Morgan Chase
Orlando, USA
06.2002 - 08.2022
- Led and coached teams to ensure timely processing, underwriting, and loan compliance
- Conducted daily meetings with Underwriters, Processors, and closers
- Managed a high volume of mortgage loans, with expertise in FNMA/FHLMC programs and internal bank procedures
- Managed loan pipelines and consistently maintained a 98% on-time closing rate
- Reduced loan processing time by 15% through efficient collaboration with underwriters and mortgage officers
- Increased loan processing efficiency by 20% by implementing a new tracking system
- Performed credit, collateral, and capacity reviews, ensuring all regulatory compliance checks were met
- Worked closely with borrowers to gather necessary documentation, analyze financials, and determine creditworthiness
- Ensured the accuracy of borrower documentation, including income verification, credit reports, and bank statements
- Acted as a liaison between borrowers, real estate agents, brokers, underwriters, and closing departments to ensure smooth loan processing
- Assisted in regulatory audits and pre-funding/post-closing reviews, ensuring bank-wide compliance with loan policies
- Monitor, document, and evaluate loans to ensure service is consistent and regulatory compliance, and determine service quality
- Managed loan processing, ordering appraisals, title work, and other essential documentation to ensure timely closings
- Worked closely with underwriters to clear loan conditions and move loans toward approval and closing
- Tracked deadlines and ensured all loan milestones were met to maintain high production levels and meet service-level agreements
- Provided daily updates and feedback to team members to help maintain performance metrics
- Responsible for locking in mortgage rates and ensuring compliance with internal procedures for rate lock periods
- Ensure the mortgage process is compliant with various requirements, including ECOA, RESPA, TILA, USA PATRIOT Act, HMDA, ATR, QM, HOEPA, Escrow, BSA reportings, Flood etc
- Assist in updating mortgage operation procedures as a result of any audit findings
- Responsible for tracking, monitoring, and coordinating the implementation of all regulatory and agency guideline changes as they affect any area of the Residential Mortgage Department
- Primary contact for internal audit within Residential Mortgage Dept and Loan Operations
- Review, evaluate, and respond to audit findings to ensure adequate response is made and recommended changes are completed
Unit Accountant/ HR Analyst
Hops Grill and Bar
Orlando, FL
08.1996 - 01.2002
- Managed payroll for 40+ employees and ensured accurate compensation and benefits administration
- Handled accounts payable/receivable and maintained financial records for daily operations
- Oversaw inventory management and address employee-related HR issues
- Trained Managers on daily financial functions
Education
Bachelor’s Degree - Business
Barry University
Miami, Florida01.2001
Skills
- Mortgage Loan Administration
- Mortgage Administration
- Underwriting
- Closing
- Construction Administration
- Encompass
- Mortgageware
- Regulatory Compliance
- Risk Management
- FNMA/FHLMC Programs
- Bank Policies
- Regulatory Audits
- Lender Quality Assurance
- Pre-funding Audits
- Post-closing Reviews
- US Mortgage Regulatory Requirements
- FHA
- VA
- USDA
- Customer Service Excellence
- Client Relationship Building
- Communication Skills
- Collaboration Skills
- Financial Analysis
- Financial Reporting
- Tax Returns Analysis
- Profit & Loss Statements
- Income Verification
- Team Leadership
- Training
- Attention to Detail
- Documentation Management
- Deadline Management
- Analytical Skills
- Microsoft Office
- Excel
- Word
- Outlook
- Problem Solving
- Critical Thinking
- Time Management
- Prioritization
- Integrity
- Dependability
- Sense of Urgency
Certification
- Encompass Certified
- FHA and VA Lender certification
- Regulatory Compliance and Risk Management Training
References
- Pearly Chen, 407-721-9873
- Trish Grimaldi, 407-212-6543
Timeline
Construction Administrator II
United Community Bank
08.2022 - 08.2024
Mortgage Loan Coordinator III / Team Lead / Jr Underwriter/ Compliance
Seaside Bank/ United Community Bank/ Suntrust Bank/ JP Morgan Chase
06.2002 - 08.2022
Unit Accountant/ HR Analyst
Hops Grill and Bar
08.1996 - 01.2002
Bachelor’s Degree - Business
Barry University
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