Ellen Wester Email & Phone Number

Birmingham, Alabama, United States

• Underwrite Conventional, FHA, VA and USDA mortgages• Review/Write overlay policies for underwriting guidelines • Maintain a working knowledge of multiple investor guidelines for FHA, VA, USDA, Alabama Housing, Conventional and Jumbo mortgages• Help provide direction to Loan Officers and Processors to ensure compliance with regulatory, investor and company policies and procedures• Maintain Rock Mortgage internal website• Provide training to loan officers, processors and support staff (income calculation, credit reviews, appraisal reviews, etc.)

• Processed Conventional, Jumbo, FHA, VA and USDA mortgages• Maintained a working knowledge of multiple investor guidelines for FHA, VA, USDA, Alabama Housing, Conventional and Jumbo mortgages• Helped provide direction to Loan Officers and Processors to ensure compliance with regulatory, investor and company policies and procedures• Quality Control. Evaluated loan to ensure they are processed, approved and closed in complete accordance with company, federal, state and regulatory standards• Provided training to loan officers, processors and support staff (income calculation, credit reviews, appraisal reviews, etc.)

• Processed Conventional, FHA, VA and USDA loans• Responsible for the pipeline maintenance, date integrity and compliance with ECOA procedures for branch. • Maintained a working knowledge of standard loan products in the industry including appropriate underwriting and mortgage insurance guidelines• Provided training to loan officers, processors and support staff (income calculation, credit reviews, appraisal reviews, etc.)

• Underwrote FHA, VA and Conventional loans • Participated in Radian Services “Underwriter Edge” program. • Helped maintain the company’s employee website that provided guidelines, changes in company policy and internal memos. • Maintained a working knowledge of standard loan products in the industry including appropriate underwriting and mortgage insurance guidelines • Prepared loan closing documents to send to title companies for all our branch loan closings. Review of loan closing package to issue funding approval.• Provided technical support and/or direction to ensure compliance with regulatory, investor and company policies and procedures• Managed clerical/support staff and made recommendations to Branch Manager on the hiring, training and termination of branch employees• Quality Control – evaluated loan to ensure they are processed, approved and closed in complete accordance with company, federal, state and regulatory standards• Supported Branch Manager in originating and locking loans.

• Underwrote FHA, VA and Conventional loans (for VA loans underwrite the credit portion only)• Maintained a working knowledge of standard loan products in the industry including appropriate underwriting and mortgage insurance guidelines • Provided technical support and/or direction to ensure compliance with regulatory, investor and company policies and procedures• Managed clerical/support staff and made recommendations to Branch Manager on the hiring, training and termination of branch employees• Quality Control – evaluated loan to ensure they are processed, approved and closed in complete accordance with company, federal, state and regulatory standards• Supported Branch Manager in originating and locking loans.

Processed mortgage loans