Christina Harless Email & Phone Number

Texas, United States

➡️Held numerous critical roles in the organization during a time of rapid transformation, served as a conventional Underwriter, Offshore Vendor QC Specialist, Event Coordinator, and Scenario Desk duties.➡️As an underwriter, reviewed customer loan submissions in entirety from beginning to end to validate DTI and completed sound loan decisions for the lender.➡️While providing insight to Vendor Quality Control (QC) ensured that all standards of the agency and company overlays were met by the offshore team at the time of the loan review and the lender's instructions were clear and concise. ➡️Provided complete oversight of the Scenario Desk and responded to loan problem request issues from 100’s of communication from lenders – primarily regarding Fannie/Freddie applications.➡️While serving in a remote capacity, supported, and led team building efforts by serving as the Event Coordinator and orchestrating employee engagement events for the CA office and remote staff.

Tampa/St. Petersburg, Florida Area

➡️Performed Post Close Compliance/Credit and TRID compliance reviews on both Non-Conforming and Conforming loans up to $4MM. Maintaining an above average Quality Control Score and less than average completion time. ➡️Utilized expert knowledge obtained while underwriting complex income including Self Employed Borrowers, S- Corps and C corps and other complex income. ➡️Completed review of all files including that of appraisal(s), Title, all income and Ratios calculations, guideline adherence with overlays if they pertain and all asset documents. ➡️Reviewed and analyzed borrower’s mortgage applications, credit reports, real estate purchase contracts and related documents to document all inconsistencies found in the underwriting review for client remediation.➡️Processed applications and provided underwriting decisions for PPP Loans to small businesses by the federal deadline.

Tampa, Florida

➡️Led the team in completing post-closing purchase review audits on both delegated and non-delegated loan products from Fannie Mae and Freddie Mac. ➡️Solidified an expert knowledge of all loan programs, including FHA, FHA Streamlined, VA, VA IRRL, 203K Standard and Limited, HomeReady, USDA, Jumbo, and Conventional. ➡️Analyzed applicants' financial status, credit, and property evaluation to determine feasibility of granting a loan, which Included verification of all items listed on the Final submission of DU (Desktop Underwriter) or LP (Loan Prospector).➡️Ensured that the company’s overlays program overlays were met and validated that the originating lender adhered to all federal and state compliance guidelines for retail mortgage lending.➡️Boosted company efficiency through process improvements and identified inefficiencies and made recommendations for process improvements. ➡️Contributed to updating PHL's Correspondent Seller's Guide. Created Training Program and tools for the Correspondent lending Division.

Tampa, Florida

➡️Completed loan eligibility and purchase review audits of delegated loans submitted by lenders for purchase consideration.➡️Validated all loan documents required by Federal and State Law including all documents typically associated with a loan submission, DU Underwriter, Loan Prospector, and any documents required.➡️Executed loan verification during the underwriting approval (bank statements, VOE's, gift letters, etc.) and delivered compliance reviews of lender’s submissions for adherence to standards required by PennyMac.➡️Coached, developed, and mentored staff - created training tools that are still used by the training department for the ease of workflow management for new hires.

Tampa, Florida

Associate Of Arts (Aa), Business

Associate Of Arts (A.A.), Business Administration And Management, General