Anne Spruance-Camper Email & Phone Number

HomeStreet Bank July 2012-Present Seattle, WashingtonUnderwriter II. Issue NOV for VA loans• Complete a thorough analysis of entire loan package to determine compliance with company, investor, and FHA/VA guidelines. Provide training for Loan Officers, when needed.• Be available to Production and processing staff for questions in general or for specific loan files.• Understand and review Residential appraisals.• Understand and maintain a thorough knowledge of all company, investor, correspondent programs and requirements.• Calculate qualifying income including analyzing tax returns and financial statements.• Assume additional duties as they arise, cross-train within the department, and be responsive to changing needs within the department.

Collateral ReviewReview appraisals for accuracy and that best comparable have been utilizedDetermine if adjustments are reasonable as to limit banks exposure to overvalued propertiesDetermine if values have been supported and reduce collateral value if necessaryDetermine subject marketability; order appraisals for custom new construction after review of plans and specs; keep current on all new Fannie/Freddie appraisal regulations and confirm reports used are in compliance

Seattle Wa

Review loan for completeness and accuracy; reconcile, compare, and confirm completenessVerify and calculate supporting income, asset, and liability documentation to ensure the validity of the AUS approved decision; calculate and analyze income structure and funds to close, HUD statements, reserves, review and verify credit report, and other mortgage/real estate ownedDetermine if loan conditions set by DU on approved loans are satisfiedReview and analyze preliminary title report, purchase contract, and escrow instructionsCollaborate with underwriting department to determine if atypical collateral received requires referral; communicate observation of trends in loan/file quality to managerIdentify loan files suspected of containing fraudulent information/documentation and forward to appropriate department; perform verbal verification of employment; act as a back up to loan processing when necessary; process external requests (e.g. flood certificate updates, appraisal requests, etc.)Be familiar with the legal/regulatory for state specific requirements, carrying out theseDraw loan documents and email out to title and escrowMILA

Responsible for initial set up and processing of loan file; communicate via phone, email, or in person withthe Broker and internal staff to obtain needed information to complete a file and have it ready for underwritingResponsible for the accuracy of the information and for auditing the loan fileUnderwritingPromoted to underwriter position in May 2005Goal was to receive a file and get all outstanding conditions cleared and to documents within four hoursExceeded daily goals, perform exception credit analysis for newly originated residential loans; analyzedRisk factors along with the presence of compensating factors that mitigate risk to the company and Structure transactions accordingly; review and analyze all areas of the mortgage loan application toEnsure accuracy, completeness, and compliance with internal and regulatory guidelines; maintain ahigh level of customer service and communication with sales professionalsReviewed income documentation including but not limited to corporation, partnership, and soleProprietor tax returnsTeam LeadHeld this position in January 2005Led a team of 20 that was responsible for all conditions that underwriters cannot clear without further research, clarification, and investigation needed to underwrite a fileTeam consistently surpassed goals and exceeded expectations while maintaining a team atmosphere with friendly competition

Processed loans within bank policies and procedures while maintaining lower than average times with a satisfactory quality assurance ratingsAssist underwriters with loan approvals

Duties included new accounts, both personal and businessResponsible for growth and development of consumer and commercial lending with an emphasis on cross sale opportunities; responsible for the branch remaining in compliance and received passing reports on corporate audits

New account representative for personal and business account relationships which included cross sales for CDs, IRAs, and loans and investment referralsPerformed wires as well as all account maintenance and customer complaints; processed night drops; processed and balanced ATM; performed cash auditsWhen needed worked teller backup and drive up

Responsible for growth and development of 23 employees while keeping within FTE allocationsTrained and mentored six tellers/personal bankers and helped them reach their goals of gaining management positions within the bankManaged the GL reports, overdrafts, cash shipments, and bank compliance with the auditorResponsible for profit plan goals which included market share growth in all bank products, retention, and cross sales to new and existing clientsSkilled in consumer, commercial and residential lendingBranch was consistently in the top 5% of the three-state region