Misty R. Email & Phone Number

Denver, Colorado, United States

> Maintain 100% SLA compliancy while conducting comprehensive QC underwriting analysis of all loan documentation, with specific focus on TRID timing requirements and standards, ensuring adherence to compliance regulations.> Achieving top 10% of loan production while exceeding quality metrics for loan reviews, analyzing all required information including: loan applications, credit reports, income documentation, Automated Underwriting System (AUS) findings, title reports, appraisals, and all relevant compliance documents.> Ensure loss mitigation activities performed by loan servicer comply with required standards and timeframes and that clients are adhering to mortgage servicing procedures and regulations.

Maitland, Florida, United States

> Achieved less than 1% error rating within the first 3 months, consistently delivering top-quality underwriting analyses.> Perform deep-dive reviews of recently closed mortgage loans evaluating credit reports, assessing income, assets, appraisal, purchase contracts, and title reports. Ensuring borrowers’ capacity meets credit policies, company overlays, and investor agency guidelines.> Identify and document major and minor deficiencies including misrepresentation of occupancy, citing applicable errors, providing comprehensive written analysis.> Communicate feedback to business clients allowing them to make more informed decisions, mitigate risks, and enhance operational efficiency by identifying trends with underlying business practices, underwriting, and fraud exposure.

Farmington Hills, Michigan, United States

> Increased loan production by 15% as chosen Subject Matter Expert (SME), displaying keen ability to recognize and nurture strengths of co-workers, providing tips and tools which allowed for greater efficiency resulting in more loans completed with higher quality scores.> Perform comprehensive post-closing quality control audits of recently closed mortgage loan files to ensure compliance with investor/insurer guidelines (FHLMC, FNMA, FHA, VA, USDA).> Conduct data analysis, reviewing applicable documentation including required initial disclosures, loan estimates, closing disclosures, and changed circumstances for timing and tolerance variances confirming loans comply with all TRID compliance standards.> Adhere to all federal and state compliance guidelines relative to retail mortgage lending.

Maitland, Florida, United States

> Manage active monthly pipeline of 50+ loans, sustaining top 3% in quality scores while exceeding monthly closing goals.> Perform in-depth forensic underwriting review of performing and non-performing loans.> Evaluate DTI ratios, LTV ratios, credit scores, appraisals, and various other factors to ensure accuracy of underwriting loan packages.>Work with third-party vendors to address and clear loan conditions.> Submit completed loan files, including recommendations for underwriting approval or denial. > Convey acceptance or rejection to borrowers by mail, telephone, or in person.

Detroit, Michigan, United States