Sharon A. Email & Phone Number

Life/Health

• ANALYZED RISK: Responsible for the issuance of mortgage insurance on mortgages for one-to four family loans to determine if a property is an acceptable risk, and to determine the credit eligibility of the mortgagors and to assure compliance with statutory, regulatory and administrative requirements. • PROJECT MANAGEMENT: Reviewed other Direct Endorsement underwriter deficiencies to clear loans for purchase utilizing teamwork and assisting in default resolution and re-underwriting as needed thereby reducing cost associated with repurchase. • ATTENTION TO DETAIL: Ensured the system of record matches submitted documentation to support loan approval/denial conclusions of income received, assets provided and acceptable collateral. • Audited loans in a post closing/purchase capacity to ensure complete file submission.• EXCELLENT COMMUNICATION: Served as subject matter expert by having the ability to break down difficult concepts of income, property disposition or contractual concepts to other parties involved via written or verbal communication while providing reference material or federal guideline. • SELF MANAGEMENT-Achieved highest level of service by utilizing a task driven pipeline management style focused on time sensitive and or date driven expectations of performance to meet internal and external goals

● Successfully balanced risk against profitability, yielding an 11% increase in overall net profit for the underwritingdepartment, while maintaining a default rate below 2% on approved loans● Led and mentored junior team members, contributing to a 17% improvement in their decision-making accuracy● Successfully achieved a 21% reduction in escalated cases within a six-month period, demonstrating proactiveproblem-solving and effective resolution skills● Proactively managed the pipeline, achieving an average loan processing time of 15 days, well below the companystandard of 20 days, leading to a 28% reduction in loan application backlogs● Conducted meticulous analyses of submitted documentation, leading to a decrease in loan application rejectionsdue to incomplete or incorrect documentation● Exceeded department production goals by consistently achieving a monthly average of 150 loan approvals,surpassing the target of 120 approvals● Implemented compliance measures with federal agencies (VA, HUD, and FNMA), resulting in a 100%compliance rating in audits and avoiding any penalties or regulatory issues for mortgage programs