Daisy Barthelemy Email & Phone Number

Plano, Tx, Us

Plano, Texas, United States

United States

*Assigned daily production goals for a team of 9 auditors. Production goal was 20-25 audits each day per auditor. The daily triage of these was used as discovery for underlying issues with system conditions, underwriter knowledge of policy and to reduce over conditioning for a conditional approval. Team reviewed over 17,000 loans in a 1.75 year period resulting in a reduction of suspense loans from a 40% suspension ratio to a 20% suspension ratio.*Drive the development, institutionalization, communication and implementation of progressive credit policy-mitigating risks.*Improve adoption and execution of the credit policy across UW Department, processing and operations. To ensure correct application of credit policies were met.*Support for sensitive escalations, compliance audit reviews. The audit reviews consisted of loan level restructuring of loan terms to meet approval, approximately 2-3 per month.*Trained and coached all new team members on the departments auditing process and philosophy. *Manage the creation of and distribution of training materials associated with underwriting policy. The issues discovered in the audits resulted in new processes, systems enhancements and policy material creations. *Perform secondary review and audits to ensure loans adhere to policy. Reviews of 500 to 600 loans per month to provide feedback to Team Leads, UW Managers and Credit Strategy Management.*Created investor side-by-side guidelines documentation for management approval.*Created investor overlay documentation for approval and review by management to rollout to underwriters*Assisted with data points for department dashboards

Charlotte, North Carolina Area

Charlotte North Carolina

Level 6 underwriter specializing in manual underwrites. Signing Authority up to 5 million. Less than 5% of underwriters achieve this level of authority*Analyzing complex income consisting of review of borrowers with multiple businesses that included pass-through companies, multiple rental properties, RSU income, Distribution income, Asset Depletion analysis, Royalty income, Retirement income*Extensive knowledge of Schedule C, Schedule E, Schedule F, LLC, Disregarded Entities, Form 1120, Form 1065, Form 1120-S financial documentation to include Profit & Loss and Balance Sheets, K-1s and Pass-through Entities.*Review and analysis of complex asset statements for high-net worth individuals. Extremely proficient in Stocks, Bonds, Mutual Funds, 401K, Margined Accounts, Stock Options etc. *Maintaining excellent quality. Quality rating of 99% throughout my tenure. Maintaining less than .001% critical defect ratio.*Maintained production levels to meet bonus criteria. Production percentage in the top 10% of level 6 underwriters. *Excellent communication with clients, sales and processing to ensure the loan meets the closing date set by the borrower, sales agents, and business objectives.*Review and analysis of complex asset statements for high-net worth individuals. Extremely proficient in Stocks, Bonds, Mutual Funds, 401K, Margined Accounts, Stock Options etc. *Maintaining excellent quality. Quality rating of 99% throughout my tenure. Maintaining less than .001% critical defect ratio.*Maintained production levels to meet bonus criteria. Production percentage in the top 10% of level 6 underwriters. *Excellent communication with clients, sales and processing to ensure the loan meets the closing date set by the borrower, sales agents, and business objectives.

*Evaluating the eligibility of potential borrowers for loan application processing. *Excellent knowledge of the loan processes and underwriting procedures to analyze applications and make credit decisions. Funded consistently 65 or greater DU loans per month. *Sufficient knowledge in using Encompass*Met borrower’s expectations for closing *Excellent quality percentage of 99% with no critical defects

Level 6 job duties, production and qualify notes similar to rehire position above. Signing Authority up to 2 million.

*Excellent knowledge of the loan processes and underwriting procedures to analyze applications and make credit decisions*Sufficient knowledge in using Encompass*Maintained good production and quality when underwriting*Manager a team of 15 underwriters by managing their daily goals of 2-3 new underwrites per day and closing 30-40 loan each per month, supporting and developing their policy and guidelines knowledge, submitting exception requests to investors, and communicating on a monthly basis with investors regarding issues and resolutions*Compiling information for investors to make a decision on loan modifications, contacting customers to explain modification documentations and expectations*Travel to new investor sites to acquire and document their loan end-to-end process, create training materials, train Accenture staff on processes and investor guidelines

*Review, analyze, and manually underwrite loans with complex income and assets to ensure soundness, business value and compliance with company and investor standards while providing direct communication*Manage a team of 15 underwriters > Coaching; team building; performance reviews; load-leveling, goal setting and maintaining quality standards for the team. Involved with special teams to assist with creating processes for new vendor contracts. *Assist with securing lender contracts for outsource processing*Resulting in onboarding of 25 vendors and closing up to 450 loans per month.

Oversee and manager the daily operations of a region consisting of 13 to 15 branches*Responsible for hiring, training, and terminations for all processing staff of over 400 processors and Assistant Branch Managers. *Overseeing a pipeline up to 10K applications to underwriting per month. Production and qualify of region was in the 5% of department*Maintain excellent reporting and communications with management.*Responsible for policy enhancements on a quarterly basis*Process Improvement analysis, issue resolution and implementation which included creating, implementing and monitoring workflows