Dawn Scheller Email & Phone Number

Reno, Nv, Us

Denver, Colorado, United States

Product / Account Management in Mortgage Automation, Business System Management, Product implementation, and New Customer Onboarding

United States

Las Vegas, Nevada

Promoted several times of initial hire to accommodate growing needs of a large full-service direct mortgage lender offering both conventional and government loan programs.• Shadow underwrite new employee ensure loan submittals met internal and external eligibility requirements.• Provided meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine risk and ability to repay.• Applied knowledge of loan products and guidelines to assist with investor and agency repurchase and indemnification requests. Maintained compliance with lending, underwriting, agency and government requirements.• Oversee project management of various assigned special projects: GNMA Application, UCD implementation, HMDA 2018 implementation, UCDP invitations to new AMC vendors.• Demonstrated excellent customer service with all internal and external staff throughout all phases of the underwriting and loan delivery process.

Las Vegas, Nevada

Lubbock, Texas Area

Promoted within 2 months of hire to establish Reverse Mortgage Lending Division and promoted again within 3 months to oversee all of loan production and secondary marketing• Loan Production Manager for the Correspondent, Whole Loans, Retail, Wholesale, and Reverse Divisions.• Responsible for daily operational tasks, onboarded and trained new clients, recruited new employees, implemented departmental training and procedures. • Established Reverse Mortgage Division, implemented processing, underwriting, doc draw and funding. Created procedures for loan delivery to both FHA and reverse investors.• Processed MIP/G Fee payments and submit case binders for endorsement for HEMC/USDA and VA loans.• Implemented new TRID procedures• Secondary Marketing experience: Lock Desk, Pool allocation/Submission/Loans trade for GNMA & VA, direct sell to FHLMC & FNMA cash window. • Created process to expedite lien release and trailing document tracking. • Underwrote Conv/FHA/USDA and Reverse mortgage loans to meet company turn times and ensure closings to meet purchase deadlines.

Redding, California Area

• Completed loan applications for top producers, review borrower documents and request missing information and manage locks. • Pre Underwrote file and request clarification for potential issues, large deposit paper trail, divorce decree/child support, VA COE/reinstatement, tax returns/self-employment/K1’s and bankruptcy/reaffirmation before sending in for corporate approval. • Train new processors, loan closers, loan officers and loan assistants. • Manage pipeline to ensure timely loan closings, communicate to borrowers and real estate agents to make them aware of any delays and to convey loan status bi-weekly.

Accounts Receivable, Accounts Payable, Payroll, Customer Statements, Prepare customer orders and send via Floral industry software, FTD, Teleflora and phone orders. Assemble floral designs within pricing standards, deliver to customer. Organize and manage 10+ drivers during holidays to facilitate accurate and timely delivery within allotted hours as not to incur overtime and increase profit margins.

Redding, California Area

Promoted within 6 months of hire to provide corporate loan specialist services within large, full-service regional mortgage lender offering both conventional and government loan programs. • Worked closely with Mortgage Planners and Loan Assistants from branches throughout the nation to ensure a timely and accurate loan closing experience. • Oversaw the preparation and ensured the timely delivery of loan disclosures to customers in accordance with all government and investor requirements.• Ordered and reviewed all necessary AUS, appraisal and title documentation, as well as all required credit and underwriting documentation. • Submitted complete loan files for underwriting review. Scheduled and tracked closing dates, contingency dates, and lock expirations. • Reviewed loan approvals and addressed all conditions required for underwriting and closing. • Prepared loan closing documents to be sent to escrow for signing. • Used state of the art technology to manage the loan pipeline as well as conduct credit and underwriting analysis. • Provided world-class customer service with respectful and consultative guidance to borrowers.

Redding, California Area

Examined workflow deficiencies, evaluated software capabilities and increase software utilization to improve productivity. Process prescriptions and claims to adjudicate; submit prior authorization through software operation and directly through insurance website. Prepare delivery ticket, confirm and attach paid claims. Split items off delivery tickets in order to bill separately. Daily prepare drug inventory and supply order. Coordinated and managed the training of departmental personnel. Assemble compound drug order for Enteral Nutrition, IV Home Infusion, Specialty Prescriptions and Chemotherapy Administration. Assist Pharmacist with entering new prescriptions into software system, prescription clarification, and refill requests.

Loan Processing of Conventional, Jumbo, Alt-A, and FHA/VA, Data Entry, Accounts Receivable, Account Reconciliation, Document Drawing, Funding, Loan Locking, Customer Service/Problem Resolution.

Facilitate operations of startup company. Obtain licensing, proper permits, agreements, addendums, all necessary documents in order to ensure cost-effective business organization. Negotiate investor relations to assist in commitment, underwriting, loan sale and delivery. Set up high volume e-delivery with participating investors, approximately 275 units per month. Create work flow, underwriting, doc draw, funding, shipping and delivery policy and procedure manuals. Facilitate training of all operational staff (broker coordinator, lock desk, doc drawing, funding, and shipping.) Created goals; a plan to meet production, and a reward program to develop a sense of achievement within the staff. Developed broker relationships to encourage loyalty by providing outstanding service and a dependability our customers could rely on. Produce tracking and accountability reports guaranteeing precise communication with various correspondents within the industry. Assessed needs for software utilization, assisted management in determining final software product to maximize efficiencies. Implemented new software and transferred existing documents, client files and bank information to assure smooth transition. Developed LOS software for third party origination and secondary marketing. Wrote table codes to establish effective system defaults, software rules for guideline eligibility and pricing adjustment macros to adhere to industry best practices. Produce daily rate sheets, commit loans with investors, provide commitments to brokers and evaluate profit margin on all loans.

Worked closely with underwriting, funding, closing and shipping to guarantee an accurate product was delivered to meet deadlines. Reviewed all suspended and denied loans before being faxed to brokers to confirm all alternative solutions had been attempted, and underwrote five files per day. Develop and run scenarios for account executives while active in the field to assure quality of product received from the broker. Increase loan volume from $8 million per month to $63 million per month in production and delivery. Developed and implemented e-documents and files to facilitate the sale and delivery of closed loans to third party investors.

Senior underwriter with a signing authority of $650 million; contributed to mass production and delivery of 265 units per month. Managed all underwriters plus total operations of entire branch to insure quality product produced. Facilitated shipping to correspondent lenders to meet delivery deadlines and flawless packages

Performed underwriting duties for agency, jumbo and alt A products. Over-saw pricing, document drawing, funding and shipping duties to ensure all requirements had been met and contribute to a smooth running operation. Perform due diligence underwriting tasks as part of an overall quality control plan for the office. Train underwriting staff as well as funding, closing, and shipping staff to assure delivery of quality product.

Certificate, Pharmacy Technician

In Progress, B.S.