Emma Sutherland Email & Phone Number

Florida, United States

Smyrna, Georgia, United States

• Reviewed conventional, FHA, VA, USDA and Jumbo loan submissions for completeness and compliance, including 1003, credit report, income, and asset documentation, purchase agreement, and title report. Examined documents to verify that the appropriate documents and disclosures were included.• Accurately analyzed credit, calculated income, and evaluated assets, liabilities, and collateral per agency and investor guidelines.• Submitted and interpreted automated underwriting decision results in both desktop underwriter and loan prospector.• Reviewed conditions submitted on loans and signed off on conditions where appropriate. Ensured loan submissions met agency and government guidelines before submitting to underwriting for review.

Roswell, Georgia

• Effectively sold multiple products on a single call. Worked across different account levels with hospitals, department chiefs, nurses, certified diabetes educators, and allied medical professionals to optimize MannKind’s contribution to successful diabetes and endocrine care with targeted accounts.• Established business relationships with key customers/influencers, prescribers, and managed care organizations and established myself as a true diabetes/endocrine expert and resource.• Developed deep professional/industry knowledge in multiple disease states represented inMannKind’s portfolios including knowledge of competitive products.• Implemented /drove brand value messages and interventions to exceed customer needs and assist with device training, reimbursement, and distribution via alternate channels where applicable.• Engaged in active dialogues with physicians on complex subjects and influenced the use ofinhaled in conjunction with injectable insulin products.

Atlanta Ga

• Solicited new Broker Partner Clients via all appropriate means. Re-engaged dormant and inactive Broker Partner Clients throughout the territory to increase market share.• Assisted in obtaining sufficient and complete documentation from the Broker Partner Clients as required by Freedom Mortgage’s underwriting/processing guidelines.• Acted as a liaison between Freedom Mortgage and the Broker Partner Clients throughout all phases of the initial onboarding process.• Successfully, solicited quality first mortgage loans through our new Broker Partner Clients.• Analyzed and identified client needs; filtering best applicable products.• Provided informative seminars for referral partners on how to effectively use programs and products to help grow their business and educate on fostering homeownership.

• Quickly resolved Help Desk end-user issues that came up over phone, email, or through face-to-face interactions. Including issues with applications, desktop and laptop hardware, printers, mobile devices, telephones, and basic network access.• Supported a wide variety of mortgage software applications, including Lakewood, Encompass, Calyx, Byte, Desktop Underwriter, Loan Prospector, and GUS.• Analyzed, troubleshooted, and resolved issues with a goal of 90% first call resolution. Tracked issues and documented troubleshooting efforts using the department’s Help Desk ticketing system.• Provide hands-on mortgage technology support for various projects such as: database creation and maintenance, importing and exporting data, searching, designing forms and reports, scanning documents, and performing OCR.• Provided regular status updates to the IT Director and Help Desk Manager and communicated to users in a timely manner. Escalated any issues quickly, keeping other staff informed and up-to-date.• Worked with other IT staff members testing software applications and updating technicaldocumentation. Participated in on-call after-hours rotation and respond during emergencies in a timely fashion.

• Reviewed conventional, FHA, VA, USDA and Jumbo loan submissions for completeness and compliance, including 1003, credit report, income, and asset documentation, purchase agreement, and title report. Examined documents to verify that the appropriate documents and disclosures were included. • Accurately analyzed credit, calculated income, and evaluated assets, liabilities, and collateral per agency and investor guidelines. • Submitted and interpreted automated underwriting decision results in both desktop underwriter and loan prospector. • Reviewed conditions submitted on loans and signed off on conditions where appropriate. Ensured loan submissions met agency and government guidelines before submitting to underwriting for review.• Prepared approval and denial letters for borrowers and business partners. Maintained an effective working relationship with internal and external clients. Provided timely communication with title company, appraiser, and other vendors.

Orlando, Florida, United States

• Reviewed conventional, FHA, VA, USDA and Jumbo loan submissions for completeness and compliance, including 1003, credit report, income, and asset documentation, purchase agreement, and title report. Examined documents to verify that the appropriate documents and disclosures were included.• Accurately analyzed credit, calculated income, and evaluated assets, liabilities, and collateral per agency and investor guidelines.• Submitted and interpreted automated underwriting decision results in both desktop underwriter and loan prospector.• Reviewed conditions submitted on loans and signed off on conditions where appropriate. Ensured loan submissions met agency and government guidelines before submitting to underwriting for review.