Beth Beck Email & Phone Number

•Verified integrity of applicants' information to minimizefraud.•Worked with processing team members to communicateerrors and obtain missing information for currentapplications.•• Managed assigned pipelineAbility to review Condo/PUD projects to ensure theymeet salable or non warrantable guidelines•Proven ability to perform quality work while maintainingproductivity and compliance standards$1,000,000 lending authority, knowledgable in AUS DU and LP, Encompass, and Zippy applications

Independence Ohio

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Currently 18 years’ experience in the mortgage lending Industry, 8 years of mortgage sales and 10 years Senior underwriting experience. Experience with Wholesale, Correspondent and retail underwriting. Chosen as Team lead in opening Underwriting Resolutions department for Chase correspondent for 9 months of 5 year career with Chase.• Underwrite all conventional conforming, jumbo and non-agency files, in accordance with investor guidelines in a consistent and timely manner. I am knowledgeable of all current Fannie Mae and Freddie Mac guidelines and products including Harp. Able to analyze all aspects of borrowers credit, employment, income, asset and collateral requirements. Knowledgeable of MI policies, complex personal and business financial analysis and proficient with self-employed income analysis. • Able to analyze the Real Estate appraisal report and make a decision on information supplied to ensure that marketability and value of property are supported within the report. Ensure that the appropriate investor’s guidelines are met and make a final decision on the acceptance of the report. Able to ensure accuracy of all necessary criteria for specific loan types, products, rates and fee structures. Excellent skills in leadership, initiative and diversity, I strive to meet targets for productivity and quality, and customer satisfaction. Support loan originators, sales managers and processing staff in structuring difficult loans. Communicate and explain loan decisions to the processing, sales and management.Excellent analytical and decision making skills, strong verbal and written communication skills, able to communicate well in difficult situations and strong negotiation skills.Proficient with Loan Prospector, Desktop Underwriter and in-house software for loan submissions. Continuous education in current underwriting guidelines, fraud detection, appraisal courses and use of data verify. Excellent underwriting decisions for quality audit reviews.

Meet the challenges of correspondent concerns.

Currently 18 years’ experience in the mortgage lending Industry, 8 years of mortgage sales and 10 years Senior underwriting experience. Experience with Wholesale, Correspondent and retail underwriting. Chosen as Team lead in opening Underwriting Resolutions department for Chase correspondent for 9 months of 5 year career with Chase.• Underwrite all conventional conforming, jumbo and non-agency files, in accordance with investor guidelines in a consistent and timely manner. I am knowledgeable of all current Fannie Mae and Freddie Mac guidelines and products including Harp. Able to analyze all aspects of borrowers credit, employment, income, asset and collateral requirements. Knowledgeable of MI policies, complex personal and business financial analysis and proficient with self-employed income analysis. Able to analyze the Real Estate appraisal report and make a decision on information supplied to ensure that marketability and value of property are supported within the report. Ensure that the appropriate investor’s guidelines are met and make a final decision on the acceptance of the report. Able to ensure accuracy of all necessary criteria for specific loan types, products, rates and fee structures. • Excellent skills in leadership, initiative and diversity, I strive to meet targets for productivity and quality, and customer satisfaction. Support loan originators, sales managers and processing staff in structuring difficult loans. Communicate and explain loan decisions to the processing, sales and management.Excellent analytical and decision making skills, strong verbal and written communication skills, able to communicate well in difficult situations and strong negotiation skills.• Proficient with Loan Prospector, Desktop Underwriter and in-house software for loan submissions. Continuous education in current underwriting guidelines, fraud detection, appraisal courses and use of data verify. Excellent underwriting decisions for quality audit reviews.

Cleveland/Akron, Ohio Area

Non delegated underwriting and Delegated underwriting for Correspondent lending