Cindy Light Email & Phone Number

Greensboro--Winston-Salem--High Point Area

* Managing the day to day operations for a team of Underwriting Associates * Providing 2nd level authorizations for Endorsement exceptions* Executing lender performance analysis* Reviewing lender requests for underwriting and premium changes* Yearly budgeting responsibilities* Participating with Sales on prospecting* Providing internal and external support for underwriting, servicing, and claims operations* Building strong trusted relationships with agent and lender partners

Greensboro--Winston-Salem--High Point Area

• Coordinate with sales and potential clients to customize products and pricing• Review and approve client applications for new insurance policies• Develop customized loan underwriting guidelines for Equity Protection Products• Develop customized pricing and provide quotes• Provide loan endorsement underwriting for home equity applications• Assist sales/conduct product training• Review client delinquency and loss ratio trends• Provide monthly and quarterly performance tracking of clients• Conduct product audits to ensure client compliance• Coordinate with claims processor to provide timely claims payments to clients• Coordinate claim sales with third party administrator

Kernersville, North Carolina

In this role I returned to my roots of underwriting residential mortgage loans and assessing risk based on Fannie Mae and Freddie Mac guidelines, as well as, utilizing DU (Desktop Underwriter) and LP (Loan Prospector) AUS (Automated Underwriting Systems). Underwriting and Risk Management have always been a passion I truly enjoy. Every loan is a unique and individual story. It is very gratifying to be a part of helping people meet their financial dreams.

Greensboro/Winston-Salem, North Carolina Area

Greensboro, Nc

Led the Servicing department consisting of 50+ employees including a management team. Supervised productivity while providing strategic direction and problem solving within regulatory and master policy compliance. The servicing portfolio consist of more than one million in-force certificates for which the department post all premium and provides billing and customer support throughout the life-cycle of the mortgage insurance certificate. Managed department budget and provided executive sign-off on credit risk exceptions, as well as, documents for the Mortgage Electronic Registration System (MERS). Applied strong analytical skills to financial reporting for monthly review with Finance. Oversaw the integration of processes and systems following Arch’s acquisition of United Guaranty in January 2017.

Greensboro, Nc

Acquired by Arch Mortgage Insurance effective January 2017.

Greensboro, Nc

Directed up to 8 teams with 100+ employees and contractors in underwriting and claims operations. Recruited, trained, and mentored managers and underwriters across multiple U.S. locations. This included contract underwriting for adherence to Government Sponsored Enterprises (GSE) underwriting guidelines and company guidelines for mortgage insurance and qualifying claim payments. Served as Business Relationship manager for third party vendor contracts and liaison for audits performed by regulatory agencies, GSEs, and lending customers.

Greensboro, Nc

Provided leadership to a team of Program Evaluation Underwriters in the performance of audit reviews on delegated mortgage insurance certificates. These reviews were performed onsite at lenders’ offices, as well as, in-house. Facilitated an update to the Lender Evaluation System (Microsoft Access database) for more efficient automated review process. Transformed the 2nd lien audit function into a claim qualifying function for 100% of 1st lien claims. Delivered new audit policy to align with company’s changing strategy during economic downturn.

Greensboro, Nc

Performed quality control reviews on mortgage insurance certificates underwritten by lenders under delegated authority. Also performed due diligence on mortgage backed security portfolios and performed monthly quality assurance reviews on in-house underwriters. Maintained the Business Rules and Pricing Engines that provided systematic underwriting and pricing for 2nd lien insurance.

Greensboro, Nc

Underwrote loans for mortgage guaranty insurance in conformance to company risk standards and GSE underwriting guidelines and automated underwriting systems. Prepared weekly and monthly risk analysis on assigned lenders for portfolio risk management. Assigned as dedicated underwriter for specific “high profile” customers. Awarded Top Production and Excellence in Customer Service awards – 2002 and 2003.

Winston-Salem, Nc

In this role I underwrote residential mortgage loans providing lending decisions based on bank's lending standards, as well as, Government Sponsored Enterprise (GSE) automated underwriting systems, Veterans Administration, Federal Housing Administration, and NC Housing Finance Agency guidelines. I also provided daily support to the bank's Mortgage Loan Officers by answering questions on complex scenarios and providing appraisal training during new Loan Officer classes. Cleared closing conditions prior to closing for loan processors. I was a FHA Direct Endorsement Underwriter, as well as, a VA LAPP SAR.