Joy Legreid Email & Phone Number

Senior Jumbo Underwriter (August 2022 - Present)Highest underwriting lending authority up to $3,000,000Conduct full second level reviews of loan sizes exceeding underwriter lending authorityConduct full second level reviews of delegated underwriting jumbo loans designated for specificcorrespondent investors resulting in 100% purchase rate and reduction in post-closing defects and deliverydelay lossesReview test cases for new underwriters in accordance with quality control and lending authority policiesConduct second level reviews of all restricted stock incomeConduct random second level reviews of self-employed income to ensure compliance with Freddie Mac,Fannie Mae, and FHA guidelinesProvide concise and detailed communication to underwriters, underwriting management and seniormanagement related to missing documentation, quality defects, and suggested resolutionsIdentify and provide feedback to senior management regarding adverse trendsUnderwriter III, Jumbo Department (May 2020 - August 2022) Underwriter/FHA DE Underwriter (November 2105 – May 2020)Loan quality and production expectations consistently exceeded resulting in multiple promotionsUnderwrite FHA, Freddie Mac, Fannie Mae, non-conforming, and bond loans in accordance with companyand agency guidelines Underwrite more difficult, complex, and multiple loan transactionsCommunicate with branch managers, loan officers, and loan analysts in a timely and effective manner toresolve issues