Heather Cumbo Email & Phone Number

Jacksonville, Fl, Us

Remote

* Analyze and evaluate financial information that includes calculations, asset verification, and collateral and credit reviews in accordance with mortgage servicing guidelines, underwriting guidelines, and Fair Lending Practices for FHA, Conforming, Non-Conforming, USDA, DPA and Bond loan products.* Implemented a new loan review process that resulted in a 30% reduction in loan processing time and a 20% increase in loan approval rates.* Developed and maintained strong relationships with… Show more * Analyze and evaluate financial information that includes calculations, asset verification, and collateral and credit reviews in accordance with mortgage servicing guidelines, underwriting guidelines, and Fair Lending Practices for FHA, Conforming, Non-Conforming, USDA, DPA and Bond loan products.* Implemented a new loan review process that resulted in a 30% reduction in loan processing time and a 20% increase in loan approval rates.* Developed and maintained strong relationships with loan officers and other stakeholders, resulting in a 25% increase in referral business and a 10% increase in customer satisfaction scores.* Assess problems and discrepancies, identify potential solutions, locate documentation deficiencies, and document/report findings.* Keep current and up-to-date with industry trends, technology, and best practices in order to optimize efficiency, productivity, and quality of loans. Show less

Remote

* Collaborated with the compliance team to ensure adherence to all federal, state, and local regulations, resulting in a 100% compliance rate. * Analyze and evaluate financial information that includes calculations, asset verification, and collateral and credit reviews in accordance with mortgage servicing guidelines, underwriting guidelines, and Fair Lending Practices for FHA, Conforming, Non-Conforming, USDA, DPA and Bond loan products.* Keep current and up-to-date with industry… Show more * Collaborated with the compliance team to ensure adherence to all federal, state, and local regulations, resulting in a 100% compliance rate. * Analyze and evaluate financial information that includes calculations, asset verification, and collateral and credit reviews in accordance with mortgage servicing guidelines, underwriting guidelines, and Fair Lending Practices for FHA, Conforming, Non-Conforming, USDA, DPA and Bond loan products.* Keep current and up-to-date with industry trends, technology, and best practices in order to optimize efficiency, productivity, and quality of loans. Show less

Remote

* Analyze and evaluate financial information that includes calculations, asset verification, and collateral and credit reviews in accordance with mortgage servicing guidelines, underwriting guidelines, and Fair Lending Practices for FHA, Conforming, Non-Conforming, USDA, DPA and Bond loan products.* Keep current and up-to-date with industry trends, technology, and best practices in order to optimize efficiency, productivity, and quality of loans.

Jacksonville, Florida, United States

* Underwrote transactions up to $2M inclusive of conventional, jumbo, and portfolio loans within established service level agreement requirements.* Reviewed and analyzed credit reports to assess residential and employment histories, liabilities, payment patterns, derogatory credit, and public records.* Kept current and up-to-date with industry trends, technology, and best practices in order to optimize efficiency, productivity, and quality of loans.

Jacksonville, Florida

* Analyzed risk trends, identified deficiencies, reported findings, and maintained a $721,050 lending authority for conforming and portfolio loan products.

Jacksonville, Florida, United States

Operations Supervisor (2009 to 2012)* Supervised, trained, and mentored diverse teams through all phases of operational and project development to include planning, change management, documentation, and quality control.* Collaborated with Program Management Office (PMO) on project enhancements, streamlining processes, budgeting, identifying discrepancies, application development, and implementing integrated solutions.* Led, coached, and trained a team of 15 with oversight for system… Show more Operations Supervisor (2009 to 2012)* Supervised, trained, and mentored diverse teams through all phases of operational and project development to include planning, change management, documentation, and quality control.* Collaborated with Program Management Office (PMO) on project enhancements, streamlining processes, budgeting, identifying discrepancies, application development, and implementing integrated solutions.* Led, coached, and trained a team of 15 with oversight for system operations, process flow, loss mitigation, procedural updates, scheduling, identifying training gaps, and troubleshooting.* Traveled extensively throughout Florida and Manila Philippines to provide continuous training to 100+ staff employees and ensure accurate and timely system roll-out.Mortgage Banking Underwriter (2012 to 2016)* Analyzed and evaluated financial information that included calculations, asset verification, and collateral and credit reviews in accordance with mortgage servicing guidelines, underwriting guidelines, and Fair Lending Practices.* Assessed problems and discrepancies, identified potential solutions, located documentation deficiencies, and documented/reported findings.* Recognized for excellence in job performance, accurately completing assigned tasks, and generating lucrative pipeline of business. Show less

Jacksonville, Florida, United States

* Developed and implemented PGE Escalation Desk with a focus on policies and procedures, underwriting standards, and program highlights.* Cultivated and maintained solid working relationships with mortgage consultants and sales support team members in order to meet and exceed corporate objectives.

Jacksonville, Florida Area

* Maintained a thorough knowledge of products, policies, and procedures; provided product, pricing, and website training to brokers and correspondents; generated sales reports; and collaborated with marketing and operations to develop and execute innovative sales strategies and programs.

Jacksonville, Florida Area

* Generated positive sales results, provided product and pricing training, and maintained strong partnerships with brokers to ensure delivery of quality loans.