Audrey Silver Email & Phone Number

Saint Paul, Mn, Us

Online reseller of Magic the Gathering Cards, Vintage finds and other interesting or hard to find items.

• Underwrote bridge, ground-up and term (DSCR) loans for single asset loans, multiple asset portfolios, and commercial multi-family dwellings (5+ units)• Specialized in multi asset portfolio loans, with portfolios in excess of 20 properties• Created worksheets and training materials for underwriter and processor use• Ensured all SLAs for the department are being met, answers questions from internal partners on loan level issues• Completed post-closing document upload and review… Show more • Underwrote bridge, ground-up and term (DSCR) loans for single asset loans, multiple asset portfolios, and commercial multi-family dwellings (5+ units)• Specialized in multi asset portfolio loans, with portfolios in excess of 20 properties• Created worksheets and training materials for underwriter and processor use• Ensured all SLAs for the department are being met, answers questions from internal partners on loan level issues• Completed post-closing document upload and review as needed to address defects on sold loans• Reviewed and approved requests for construction draws, loan extensions, and partial release payoffs• Assisted with servicing portfolio asset management and client contact• Ordered and reviews draw inspections, progress inspections, receipts and invoices for construction draws• Tracked and followed up on projects which are not requesting regular draws to ensure progress is being made Show less

• Underwrote bridge, ground-up and term loans for single asset and multiple asset portfolios• Specialized in portfolio loans, with portfolios in excess of 20 properties• Complete full file reviews including title, credit, background and appraisals - both residential and narrative commercial• Created worksheets and training materials for underwriter and processor use• Completed post-closing document upload and review as needed to address defects on sold loans• Acted as… Show more • Underwrote bridge, ground-up and term loans for single asset and multiple asset portfolios• Specialized in portfolio loans, with portfolios in excess of 20 properties• Complete full file reviews including title, credit, background and appraisals - both residential and narrative commercial• Created worksheets and training materials for underwriter and processor use• Completed post-closing document upload and review as needed to address defects on sold loans• Acted as manager when manager is unavailable Show less

• Underwrote Jumbo and Non-QM Loans in accordance with investor guidelines• Responded to scenario desk questions and ensured accurate loan structuring and positive customer experience• Created job-aid materials for underwriter and account manager use• Completed full file review and due diligence including credit, background and appraisals to ensure compliance with policy and federal regulations • Completed reports and analysis of multiple investor guidelines showing differences… Show more • Underwrote Jumbo and Non-QM Loans in accordance with investor guidelines• Responded to scenario desk questions and ensured accurate loan structuring and positive customer experience• Created job-aid materials for underwriter and account manager use• Completed full file review and due diligence including credit, background and appraisals to ensure compliance with policy and federal regulations • Completed reports and analysis of multiple investor guidelines showing differences and similarities between the different investors• Worked file through closing to ensure accuracy and compliance Show less

• Underwrote Jumbo in accordance with investor guidelines• Created job-aid materials for underwriter use• Reviewed full files including appraisals, title, credit and background• Specialized in complex tax return analysis

• Underwrote Non-QM Loans in accordance with guidelines• Reviewed full file packages including background, credit, title and appraisals to ensure compliance with guidelines and federal regulations• Specialized in bank statement loans for self employed borrowers.

Greater Minneapolis-St. Paul Area

• Consistently increased lending authority and responsibilities through various positions• Authority: $3,000,000; NUPRM Level 6 exception authority/delegated EP• Answered complex scenario questions from multiple business lines, and sources• Used expert judgment in issuing decision• Keept up to date on credit policy changes and enhancements for multiple business lines• Experience with underwriting loans for high profile clients, and complex situations• Reviewed loan files… Show more • Consistently increased lending authority and responsibilities through various positions• Authority: $3,000,000; NUPRM Level 6 exception authority/delegated EP• Answered complex scenario questions from multiple business lines, and sources• Used expert judgment in issuing decision• Keept up to date on credit policy changes and enhancements for multiple business lines• Experience with underwriting loans for high profile clients, and complex situations• Reviewed loan files in excess of other underwriters personal lending authority• Assisted with review of overflow files for retail PCO• Experience in maintaining a positive relationship between fulfillment, underwriting and sales to ensure a positive overall customer experience• Participated in roundtable discussions to discuss transactional issues and structuring of loans• Experience underwriting both standard and specialty complex non-conforming transactions for private bank customers Show less

Greater Minneapolis-St. Paul Area

• Underwrote both standard and specialty complex non-conforming loans for private bank customers• Personal lending authority of 1,000,000; higher loan amounts completed with 2nd signature• Exception Authority

Greater Minneapolis-St. Paul Area

•Reviewed and made decisions on single loan exceptions for conventional, FHA and VA loans for both Wholesale and Correspondent channels•Answered complex scenario questions from scenario inbox from account executives, underwriters, and managers•Answered scenario phone line for complex questions and clarifications regarding products and programs from account executives and underwriters•Personal lending authority of 1,000,000

Greater Minneapolis-St. Paul Area

Obtained Non-Conforming/Non-Agency lending lending authority of 1,000,000.Underwrote Conventional Conforming, and Non-conforming/Non-Agency loan products.Assisted with special projects and audits of loans both pre and post purchase.

Greater Minneapolis-St. Paul Area

Obtained DE endorsement within 2 months of hire.Underwrote multiple loan types including Conventional Conforming, HARP, and FHA products and programs.

Onsite Contract Underwriter at Wells Fargo Home Mortgage Wholesale Lending.

Onsite MI contract Underwriter at Wells Fargo Home Mortgage Wholesale Lending

Wholesale mortgage underwriter, reviewed and decisioned various loan types including convention conforming, emerging markets, and jumbo products. Responsible for managing service level agreements for a pipeline of loans and resubmissions and ensured all were completed in a timely manner.

•Distributed loans and routed documents to the appropriate underwriting staff •Coordinated, scheduled and confirmed meetings, scheduled travel arrangements •Completed expense reports•Ordered and maintained office supplies •Answered the phones, prepared responses to status questions for the mortgage brokers•Entered loan files into automated underwriting systems•Completed daily, weekly and monthly reports•Completed employee computer access requests and trained new… Show more •Distributed loans and routed documents to the appropriate underwriting staff •Coordinated, scheduled and confirmed meetings, scheduled travel arrangements •Completed expense reports•Ordered and maintained office supplies •Answered the phones, prepared responses to status questions for the mortgage brokers•Entered loan files into automated underwriting systems•Completed daily, weekly and monthly reports•Completed employee computer access requests and trained new hires on internal proprietary software•Assisted departmental Vice President with day to day operations of center and special projects as needed•Processed invoices for payment to various vendors•Created and maintained tracking logs of loan files Show less