Leisa Fallon Email & Phone Number

Wilmington, North Carolina, United States

Strategic and expansive application of government guidelines to successfully produce more loans closed and purchased. VA/FHA/FNMA/FHLMC/USDA underwriting in Byte LOS. Senior SAR managing most VA loan and NOV production. All loans close on time with my excellent pipeline management and taking ownership of every aspect of required loan documentation. Impeccable track history for both quality and quantity.

Wilmington, North Carolina, United States

Contract Underwriting and Humanitarian projects, while also looking for full time, permanent employment as a Mortgage Underwriter.

VA LAPP/SAR, FHA CHUMS/DE, USDA certified. 14 years' experience also in Conventional/FNMA/FREDDIE/Jumbos/Condos Full Reviews, Asset Depletion, 97% programs. Complete processing and underwriting of credit, income, assets, appraisals, title, HOI, POA's, and Covid overlays. Income specialist for self-employed complex loans, multiple REO’s and businesses. Love closing loans on time! Encompass expertise and excellence in pipeline management, closing many loans in less than two weeks.

FHA, FNMA/FREDDIE/Condo Full Reviews. Complete underwriting of credit, income, assets, appraisals, title, HOI, without Loan Processors. Consistently ranking top 5 to 25% in quantity and top 5% in quality delivery. Team delivery of 4.80 average out of 5.0 highest customer and Agent satisfaction rate always delivered. Responsibilities include all aspects of loan underwriting to including credit, assets, appraisal, purchase contracts, title, homeowner’s insurance, Condo and PUD approvals. Majority of production was FHA.

Wilmington, North Carolina, United States

Management of all Mortgage Operations for the entire Wilmington market. Production of record breaking 1st mortgage and HELOC loans.

Wilmington, North Carolina

Lead Underwriter of new NC division, and underwriting nationwide. Mastered FHA CHUMS/DE certification and succeeded in all loans underwritten without deficiencies. Obtained vast knowledge of six portfolio products such as Prime Jumbo QM, personal bank statement, business bank statement, portfolio select, platinum, and RHE portfolio products created by AOHL. Specializing in USDA, including Refer submissions. Key contributor in doubling overall company volume of FNMA, FHLMC, USDA, FHA, Conforming Jumbo, and Portfolio Products. Excelled underwriting process, pipeline management, and communication to achieve high volume and quality expectations. Encompass OS Proficiency with remote discipline.

Wilmington, North Carolina Area

Decision loans to sale in a challenging and fast paced Correspondent environment to numerous Investors. Mentoring Loan Processors and Loan Officers to create successful and easier submissions, while maintaining a highly-integrated mortgage product to sell. Maximizing efficiencies in a paperless Encompass system to commit to 15 day closings for borrowers, yet minimalize any post-closing questions for seamless purchases. Accomplished respect from Management, Quality Control and Post-Closing Departments for having high quality and quantity underwriting volume.

Wake Forest/Raleigh/Wakefield

Combining many years of SunTrust Underwriting and Mortgage Consultant/Loan Officer success to provide the most reliable partnerships to Realtors, buyers, and refinancing borrowers. Locked and submitted $3.5 Million in my 2nd month of production.

Raleigh, North Carolina

Branch Manager/Mortgage Consultant as the in house lender for Realtors for the Wake Forest Fonville Morisey Realty Office. Achieved Top 2 Producer from Realtors for year to date capture rate within the first year of mortgage loan production. Accomplished recognition for 52%, 55% and 57% capture rate for three months consecutive, as the #1 capture rate in my division, exceeding expectations of 35% monthly.

Raleigh, Nc

Achieved highest level mortgage underwriting in Correspondent, Wholesale, and Retail lines of business, while maintaining relationship and pipeline/volume management. Succeeding in quality underwriting with eight of the countries largest banks/lenders (FNMA/FHLMC/Wells Fargo/SunTrust/BB&T/Chase/US Bank/Greentree). Underwriting includes all DU and LP, conventional, USDA, manual, Freddie Refi Relief, DURP, jumbos, and all property types in 48 states, working in an Encompass, paperless, and remotely from home. Impeccable track history of zero fees incurred or loans repurchased. Promoted for remaining flexible in an ever changing and demanding environment.

Analyze and decision loans under multiple mortgage loan programs and guidelines in the interest of protecting SunTrust investments and GSE relations, including Conventional, Manual, Portfolio, Doctor loans, 100% LTV, DU, LP, DURP, Freddie Relief, loans requiring mortgage insurance, Jumbo to 1.5 million. Exceptional quality control on millions of dollars of mortgage loans approved daily/weekly with zero compliance infractions. Often worked remotely from home base.

Business development in North Carolina for Conventional, Manual, FHA, VA, USDA and construction loans. Ground floor, exclusive development of quality driven mortgage operations in two bank branches to increase monthly production of evolving mortgage department and marked increase in bank referrals. Recognized for cross-selling deposit accounts and other bank products and programs in two markets.

Lead generation of high quality business accounts in an extremely challenging market. 200% goal achievement in five months.

Source, educate, and maintain B2B clients with large product mix and technology for the #2 industry leader, including 100+ A/Agency LP/DU, ALT A, FHA/VA, and software products to deliver E-business solutions to clients. Consistently ranked among the top 10% of peers. Top Division Producer 2006. Selected and served as a member of the President’s Account Executive Advisory Board to facilitate team development. This leadership team included 5% of AE's, based on volume performance, industry expertise, and professional profile. Established a strong customer base with relationship-driven service, product/industry knowledge and presentations, and software programs with website presentations to add value to clients. Salesforce.com and Dennis Black Sales Trainings. Portfolio to prove 18 year track record(s) of exceeding volume goals and overall expectations. Generated $40+ million pipeline within first 4 months. "Milestone Marker Top 10" Award.

Develop regional sales strategies in NC selling to banks and mortgage brokers on a Wholesale and Correspondent basis.  Generated $1.9M of funded volume in my third month, exceeding personal revenue growth goal by 200% and reaching record production for the team. Sourced new clients via group speaking and presentations.

This position was created for me based on my strengths in business development and the goal to improve these strengths in all Account Executives. Supported regional office objectives including risk adjusted spread, pre-payment coverage, product mix, recruiting, personnel development, and employee retention. Evaluated broker performance scorecards and analyzed conversion rates for quality control purposes and results.  Generated $74.4M in B/C volume, achieving #2 production volume in the country as the youngest office. Account Executive (1998-2000)Established presence in new markets and opened new accounts by developing relationship management plans and maximizing sales calls using geographical planning and purpose-driven strategies.  Played an instrumental role in developing and implementing the #1 regional e-commerce strategy and regional marketing, “Brokeredge”. Previous processes were 100% manual.  Achieved 145% of volume goal and 113% of Points/Fees goal in 2000 for a total of $21M in closed and funded quality subprime loans.  Achieved 126% of volume goal and 115% of Points/Fees goal in 1999 for a total of $17.46M and 1.30 Points/Fees penetration in first year as Account Executive. Final qualifier in the top 5% of Sales Executives in the country, receiving “Admirals Club” honors. Promoted to support six regional Sales Executives in three states.

Operations Manager (1997-1998)Opened a start-up Loan Operations Center to grow revenues in three states. Managed five Operations (internal staff) and five Sales Executives, combined with underwriting and approving mortgage loans within limits.  Achieved 106% of volume plan and the highest obtainable Quality Control goal in the first year of operation. Strengths in providing superior customer service relations, management experience, and quickly building client relationships led to promotion to Account Executive and Sales Management.

 Attained grass roots knowledge of lending and closing sales, including business development, pricing guidelines, processing cycle, and quality control. Counseled employees on production and quality and conducted training seminars. Office ranked #1 for real estate loan production under my leadership.