Amber Moniak Email & Phone Number

The Colony, Tx, Us

Remote

• Performed underwriting of Fannie and Freddie Mac Conventional mortgage loans• Analyzed borrower’s credit profile, collateral, and capacity to repay the proposed mortgage obligation• Ensured loans met company, agency, and government guidelines• Accurately calculated borrower’s income (both W2 and self-employed) and debt-to-income ratios• Documented lending decisions and completed required screens in the loan origination system that included accurate completion of the 1008 as well as adding and/or creating applicable conditions on the loan approval• Ran, read, and interpreted automated underwriting decision results from both Desktop Underwriter and Loan Prospector• Reviewed conditions submitted on loans and signed off on conditions where appropriate• Communicated updates on loans to broker partners and worked with them to get their loans closed in a timely fashion• Exceeded daily, weekly, and monthly production goals

Remote

• Provided support to loan officer and underwriting teams by ensuring the timely, judicious, and accurate processing of mortgage loans• Managed an ongoing pipeline of approximately 35 loans while maintaining high customer service ratings• Communicated with and consistently updated all parties of the transaction throughout the loan process• Reviewed and verified borrowers’ income, credit reports, employment histories, property appraisals, and title insurance documentation to prepare loan applications for underwriting submittal• Ensured compliance with company policies, underwriting guidelines and lending-program requirements• Kept updated on loan program guidelines and processing procedures• Assisted with onboarding and training new loan processors• Experienced in processing FHA, VA, USDA, and Conventional loans

Dallas, Tx

• Provided personalized service and exceptional level of expertise for customers• Handled all aspects of the sale including complete customer contracts and warranties• Developed, maintained, and communicated strong knowledge of wireless products• Used time management and multi-tasking skills to finish daily tasks including reporting sales figures, inventory management, and store layout maintenance• Assisted in training store staff in all aspects including customer service and sales• Supervised sales consultants including planning, organizing, and delegating assignments • Assisted General Manager in store operations including processing payroll, scheduling, and daily balancing of the store’s cash and receipts• Worked with the General Manager to create a business plan to drive increased traffic to our location

Dfw

• Drove T-Mobile activations and brand at the point of sale• Provided feedback on competition and best sales practices to support team sales efforts• Built relationships on behalf of T-Mobile with all retailer employees and customers• Submitted daily reports of event performance results• Provided ongoing training for T-Mobile's National Retail partners' sales associates• Created positive relationships with T-Mobile's National Retail partners by operating in the joint interest of both the retailer and T-Mobile• Set the carrier standard for professional wireless sales presentations on behalf of T-Mobile and the national retailer• Offered superb customer service in keeping with the T-Mobile brand

Frisco, Tx

• Reviewed loan applications and credit reports to give pre-graded mortgage rates for brokers• Assisted underwriter to clear loan conditions, stack files, obtain employment and rental verification, pull core logic and flood certification reports, and get files into closing in a timely manner• Created and distributed flyers about ResMAE’s niches and solicited new brokers to obtain more business.• Built rapport with local brokers to obtain more loan submissions to our wholesale mortgage company• Assisted brokers in uploading files into ResMAE’s online loan processing system