Marie Macek Email and Phone Number

Perform mortgage credit analysis of financial documentation, credit reports, appraisals, etc., to assess risk factors, acceptability of collateral and to determine borrower’s willingness and ability to repay mortgage for conventional loans in accordance with FNMA, FHLMC, MI companies and other applicable investor & portfolio guidelines for multiple banking institutions using paperless files.Interact with loan processing, closing, loan officers and management in order to provide professional and efficient service for our customers, both internal & external.

Developed, updated and maintained policies and procedures as well as forms and workflows for the Mortgage Loan Servicing Default Department. Researched, managed and provided feedback on all assigned special projects and tasks. Served as team leader for newly established Modification Team, up to 5 Loss Mitigation Specialists and 4 Administrative Assistants, providing underwriting expertise and guidance to the project team, enabling the team to successfully process & complete 146 modifications over 9 months as program was being developed.Developed knowledge of new work environment to enhance ability to write procedures and create workflows and coordinated with Department Managers to write detailed policies and procedures, design and develop forms, documents and workflows utilizing Excel, Visio and Microsoft Word. Assisted Departments during critical time periods using aforementioned knowledge gained to perform tasks to meet deadlines.Collaborated with Training Department to create learning resources for Default Department.Collected required data and developed a Business Continuity Plan, Business Line Test Script and Call Tree for the Default Division and performed End-User tests and review.Facilitated the establishment of the Home Affordable Modification Program in the Default Department coordinating with representatives from the U.S. Treasury Department, Fannie Mae, Freddie Mac and fellow associates to assure registration, training & tools were in place to maximize efficiency.Interacted positively with management and associates at all levels within the company and maintained relationships with investors and insurers, vendors, and customers on a routine basis.

Developed, updated and maintained policies and procedures, Guides to Doing Business, forms and disclosures for the Wholesale Department. Researched, managed and provided feedback on all assigned special projects and tasks. Administered Offsite Underwriting Program for the Wholesale Department, providing guidance and feedback to internal associates as well as external clients. Managed Data Management Group, supervisor and up to 6 Data Entry Specialists, in day to day operations ensuring policies and procedures were followed. Planned and coordinated company-required training for Wholesale Department and maintained accuracy of Guides to Doing Business, forms and procedures on Websites and Operations Resource Center. Researched and prepared responses for Management on various reports and reviews as required, including Quality Assurance & Flood Procedural Reviews.Appointed to special team to implement Custom Desktop Underwriter for portfolio products and write technical business rules to outline criteria required to generate acceptable results.

Performed mortgage credit analysis of financial documentation, credit reports, appraisals, etc., to assess risk factors, acceptability of collateral and to determine borrower's willingness and ability to repay mortgage for conventional, FHA and VA loans in accordance with applicable portfolio or investor guidelines. Utilized automated underwriting systems when appropriate. Underwrote conventional purchase, refinance and construction-permanent loans utilizing portfolio and investor guidelines with signing authority up to $1,000,000.Underwrote conventional purchase and refinance loans in compliance with Fannie Mae, Freddie Mac, Federal Housing Administration and Veteran's Administration guidelines in addition to state/local bond programs and private mortgage insurers.Coordinated with Special Loans Department on all Assumption loans. Provided processing and underwriting to verify loans satisfied all investor requirements and guidelines.

5 years Active Duty, Paralegal, Remaining time served in Air Force Reserves at Wright Patterson AFB, OH, and Andrews Air Force Base, Maryland.

Accurately and timely processed mortgage loan applications for Fannie Mae, Freddie Mac, and other conventional investors, FHA, VA, state/local bond programs, private mortgage insurers and construction-permanent loans, in accordance with applicable guidelines. Effective liaison with loan originators, management, underwriters and borrower(s).