Amber Downs Email & Phone Number

Detroit, Michigan, United States

· Provides excellent customer service to adults and their children to ensure campers are prepared to attend camp and outdoor education activities.· Reviews and updates promotional materials, newsletters, camp manuals, etc for errors, inclusive language, and clarity before submission for publication.· Assists the camp and outdoor education teams in creating and coordinating programming to teach courage, confidence, and character to campers.· Maintains calendar and scheduling for various camp activities including summer camp, troop camping, and day events.· Collaborates with all other departments to create a well rounded curriculum for campers that include all four Girl Scouts pillars; life skills, outdoor skills, entrepreneurship, and STEM.

· Provides excellent customer service and follow up support to troop leaders in their first year of volunteering by managing and responding to all inquiries within 24 hours.· Attends two to three troop meetings throughout the year for each first year troop, assisting volunteers in creating meeting plans, implementing Girl Scout traditions and ceremonies, and ensuring council policies and procedures are being followed.· Provides group and individual training to volunteers on existing and new online software designed for training and troop management.· Leads and develops training seminars for new leaders regarding council expectations and administrative duties of co-leadership.· Participates in cold call campaigns regarding membership renewal and recruitment, product program updates, and financial report information.· Composes and submits grant applications for troops and girls who need financial assistance.· Collaborates with all other departments to create volunteer training opportunities in line with expectations of the council's policies.· Shares status and progress of work with supervisors during bi-weekly Metrics Meetings.· Mediates volunteer conflict with an emphasis on problem solving and compromising.

· Performs a variety of editing services on manuscripts for authors before sending them out to publishing houses; editing services range from developmental editing to copy editing to proofreading. · Provides feedback to meet manuscripts genre standards.· Edits within multiple genres with a primary focus on fiction.· Develops and maintains contract deadlines between multiple concurrent assignments ensuring deadlines are met in a timely manner.· Communicates frequently with authors regarding their manuscripts to answer questions and provide clarification on suggestions and edits.

· Maintained excellent time management skills to effectively and accurately underwrite 13-15 newconventional loans a week on primary, secondary, and investment properties on Single Family,Condo/Townhome, and 2-4 unit homes.· Analyzed income and credit history for borrower eligibility.· Underwrote loans through life of loan; initial, resubmission, and closing.· Determined qualifying income by analyzing pay stubs and W2’s, and tax returns of SoleProprietorships, LLC's and S-Corps.· Reviewed AUS, appraisals, credit reports, financial statements, title work, insurance policies, etc foraccuracy, completeness, and compliance against both internal and external guidelines to ensureloan is marketable to investors.· Ensured loan quality by utilizing the Fannie and Freddie guidelines as they're updated.

Sterling Heights, Michigan, United States

· Assisted underwriters throughout the loan process by working conditions and prepping andclearing loans to close.· Reviewed insurance policies, title work, disclosures, appraisals, MSHDA applications, and creditreports for accuracy and adherence to Fannie and Freddie guidelines.· Reviewed AUS findings for loan accuracy and eligibility.· Worked closely with the closing department to update loan eligibility throughout the closingprocess.· Underwrote FHA, RD, Conventional, and VA products through Encompass.

· Calculated debt to income ratios from financial statements, deciding eligibility for loan.· Underwrote conventional loans on Single Family, Condo/Townhome, and 2-4 unit homes forprimary, secondary, and investment properties.· Reviewed AUS findings for accuracy and loan requirements.· Stayed up-to-date as guidelines from Fannie and Freddie change, and immediately implementsthose chances into the underwriting process.· Underwrote 35-40 initial submissions a week.· Evaluated financial, asset, and credit documentation against guidelines to ensure loan accuracy.

Port Huron, Mi

• Detail oriented with meeting deadlines, gathering borrower and third-party information, and verifying file documentation.• Proficient in various computer programs including our mortgage-processing software and MS Office Suite.• Provide support to loan officer, processors, underwriters, and closers by ensuring the loan goes smoothly from start to finish.• Comply with government, company, and underwriting guidelines for various loan programs. • Review and verify borrower’s income, credit reports, employment history and assets.• Ensure the protection and confidentiality of all borrower’s personal and sensitive information.• Communicate effectively with borrowers, loan officers, and processors daily on the status of their loan(s).• Work on multiple tasks in a high stress, fast-paced environment.• Manage telephone and front-desk reception within a high-volume environment while setting up, processing, and closing loans. • Maintain clean and inviting lobby for customers.• Assist loan officers execute their marketing strategies.• Manage office bills and ensure they’re paid on time.