Lilli Morse Rwa, Erw, Pmcp Email & Phone Number

San Diego County, California, United States

EXPERIENCE:Clark Land Resources Inc 3/23-PresentRight of Way Acquisition Agent RWA-Licensed CA NotaryAchievements: Promoted to Personnel Supervisor in addition to Leading Acquisition Agent Attended IRWA 70th Annual International Education ConferenceCloses complex acquisition negotiations inherited from other agentsImplements and escalates to problem solve and facilitate parties for resolution when neededNegotiates with landowners, engineering firms, design teams and maps for acquisitions to meet milestonesCoordinates with key internal and external counterparts to develop strategies to enable and optimize construction Develops plans including timelines, tasks, and schedules for acquisition from inception through issuanceCreates and implements streamline processes and procedures to track deliverablesWorks with minimal supervision as well as being a successful team player Reviews legal descriptions, assessor maps, verifies vesting and parties on DeedCreates and applies best practices for reporting out land development strategies to drive site acquisitionsCoordinates internal stakeholders and external contractors, and resources as required for project deliveryUtilizes Flairdocs, SharePoint, DataTree, Microsoft suite, Acrobat, Design maps, EAOs, Smartsheet and ArcGIS platforms

San Diego Metropolitan Area

Underwriter Portfolio-ContractAchievements: Trained new underwriters on OS, guidelines, and lending theory. Worked with Processing to structure counteroffers. Production- Top performer August 61 units July 82 units June 70 unitsEvaluated risk and exposure by verifying income calculations, cash flow analysis and appraisals for accuracyReconciled income, assets, liabilities, debt ratios and property value Reviewed title reports for defects and facilitated clearing clouds on titleConsistently met timeline milestones and moved files to closing teamSE borrower income calculations including SCH C, SCH E, 1120s, K1s and 1065sUpdated daily pipeline reports in SharePointUtilized OS Mortgage Cadence, SharePoint, Imagility Imaging, Microsoft suiteForbes 2022 Best in State Credit Unions List Top 5 in California and Best in San Diego

Santa Ana, California, United States

Underwriter Wholesale B2B Rendered credit decisions consistent with internal policies and underwriting commitmentsEvaluated risk and exposure by researching Title history and property through Google EarthResearched all parties in transaction and verified state licensing requirementsCalculated income, cash flow analysis, credit analysis, appraisal review in a manual underwriteReviewed purchase contracts, signatures and coordinated with Escrow and TitleReviewed real property appraisals and title reports for accuracy and defects and facilitated clearing clouds on title Underwrote DSCR Commercial loans and updated income analysis worksheets in SharePointUtilized OS Calyx BytePro and imaging, SharePoint, DataTree title history, Teams, Google Earth, Office 365

Greater San Diego Area

SMLO/Loan Manager hybrid Retail and Wholesale Achievements: 100% pull through rate Wholesale B2BSuccessfully ran Wholesale and Retail channels simultaneously Prepared and coordinated Bank’s financial package for Investor approval to expand lending in all 50 statesInitiated file set-up of the loan management process to closing and boarding loansExecuted AR and applied to General ledger for wholesale loan proceedsExecuted AP invoicing for contractors and services renderedExecuted loan proposals and presented terms and conditions to borrowers to meet deadline milestonesResponsible for submitting closing documents to escrow to deliver to stakeholders’ signingsBuilt effective relationships with customers, vendors, investors, contractors to meet or exceed customer’s expectations Actively participated in industry, client, and community relations to enhance company image-911 stair climb, Fill the bootDrew loan and legal documents including deed, note and vesting for titleReviewed purchase contracts, signatures and coordinated with Escrow Reviewed real property appraisals and title reports for accuracy and defects and root cause analysisCash flow analysis calculations including SCH C, SCH E, 1120s, K1s and 1065sUtilized OS Calyx Point, Vendor origination platforms, Chicago Title search, DocMagic, Zoom

Greater San Diego Area

Portfolio Underwriter -ContractEvaluated risk and exposure to the bankUnderwrote loans based on Income, Assets, Credit and PropertyAnalyzed, reviewed verified income calculations, and appraisals for accuracyReviewed and approved appraisals, title reports-exhibits, legal descriptions, surveys and plat mapsReconciled income, assets, liabilities, debt ratios and property value Excellent analytical skills, complex problem resolutionUtilized OS Mortgage Cadence, SharePoint, Imagility Imaging, Microsoft suite

Greater San Diego Area

Portfolio and Investor Underwriter Evaluated risk and exposure to the bank for purchase and refinance transactionsAnalyzed, reviewed verified income calculations for accuracyOutbound and inbound calls and emails to borrowers and landowners for price and term negotiationsReviewed and approved appraisals, title reports-exhibits, legal descriptions, surveys and plat mapsReconciled income, assets, liabilities, debt ratios and property value Subject Matter Expert for SE borrower income calculations including SCH C, SCH E, 1120s, K1s and 1065sExcellent analytical skills, complex problem resolution Provided excellent customer service in a fast-paced environmentUtilized OS AUS, Mortgagebot and Genworth

Greater San Diego Area

QA Analyst- ContractConducted QA pre-fund audits of 1st and 2nd lien mortgage loans Ensured regulatory compliance and secondary marketing guidelines meet salability requirements Validated the integrity of loan documents and data, DU Findings, and Final Closing PackageAudited and calculated income, assets, liabilities, Presented defect findings adds appropriate conditions and notates 2nd Look ICS Report Reviewed and adhered to compliance policiesExpert familiarity of Selling Guide, Findings Report, and Matrix Utilized OS TENA, Symitar

Tampa/St. Petersburg, Florida Area

Reviewer III/ Job Coach III- ContractAchievements: Promoted from Claims Reviewer III 6/12Reviewed Fannie, Freddie, FHA and/or VA loans and appraisals for complianceIdentified and communicated best practices and applied them to the Review TeamAttention to detail and root cause analysisTrained teams on processes for Fannie, Freddie and FHA loan poolsUtilized Sametime, WebEx, Virtual Classroom, and other technologies to deliver trainingAnalyzed, reviewed verified income calculations, and appraisals for accuracyReviewed Foreclosure files for compliance of local, state and federal laws and guidelines

B.A., Mass Communications, Phi Theta Kappa

Activities and Societies: Phi Theta Kappa Honors SocietyDean's List and Scholarship

Certificate, Marketing

Activities and Societies: Advertising and Integrated Brand Promotion, Marketing and Social MediaCertificate in Marketing to compliment my.