Mary Helms Email and Phone Number

Analyze credit, income, assets and collateral for Equity Mortgage loan applications under stringent production goals, maintaining rigorous SLA requirements.

Review to industry guideline standards for residential mortgage financing adhering to volume and time constraints presented by management. With CoVid production surge, averaged 80-100 units per month FHA, VA, Conv and Jumbo loan products.

Operations Director/Sr Underwriter

Performing all facets of underwriting for the Retail & Wholesale business channels. Underwrite mortgage loans in conformance with FNMA/FHLMC guidelines, also within bank defined parameters. Ensure all files submitted through all business channels are in regulatory compliance. Delegated underwriting authority to $750,000 with industry leaders such as GMAC, BB&T and Wells Fargo. Extensive experience with underwriting real estate appraisals in light of industry and market effects and fluctuations. Market research to support appraisers findings in conjunction with Agency and Investor requirements. Completed AllRegs RGU Certification Program, certification pending and AllRegs Advanced FHA/DE Training Program in preparation of HUD approval. CHUMS ID issued

Hired in response to FDIC requirement to establish a presence of Mortgage Compliance under the purview of the bank. Expected to develop and implement policy and procedure for the mortgage division, to assure compliance with all regulatory requirements. Instrumental in establishing industry changes protocols for RESPA and TILA. Responsible for Agency Examinations and Response to FHA, VA & USDA Rural Housing Audits, as wells as Consumer Complaints to MD IRRL and FDIC. As Quality Assurance Manager, developed an internal process of review to be developed into a database to track variance trends on multiple levels to improve overall loan quality, timely investor funding and increase performance efficiencies. Extensive knowledge of all agency guidelines, investor requirements and regulatory requirements are all used in the analysis of Quality Assurance.