Nancy Bell Email and Phone Number

Oversee, both, the Loan Aged and Collateral process by monitoring; initiating; and decisioning secure warehouse lines of credit, including, maintaining, critical scheduling of Custodians/MERS, daily reports plus handling highly sensitive monetary transactions to Treasury.• Consistently exceeds established standards and guidelines regarding compliance; job knowledge; quality; efficiency; initiative; customer service and overall performance.• Portrays strong organizational and time management skills including effective oral, written, and interpersonal communication skills.

Originate a wide variety of different types of loans which include Conforming, Conventional, FHA, VA, USDA and HELOCs. Determine the financial and repayment capacities of consumers. Carry out risk assessments, income and credit analyses, and documentation reviews. Maintain compliance with all industry and government guidelines. Selected Accomplishments:**NMLS UST + Licensed in 20 States**CA; CO; IL; TX; GA; FL; NC; SC; NJ; TN; VA; LA; IN; WY; ND; SD; PA; AK; KY; & MD• Consistently exceeds monthly sales production goals – top ranked producer. • Excellent communications skills in discussing and preparing loan proposals to consumers.• Solid understanding of all product guidelines, appraisal/collateral reviews, and title analysis.• Adheres to continuous licensing requirements for all US States where the company originates.

I reviewed loan packages up to several million dollars in the areas of Non-QM, Non-Conforming, Conventional, FHA, VA, USDA, and DPA housing loans, and provided decisions. I also carried out risk assessments, income and credit analyses, and documentation reviews, while maintaining compliance with all industry and government guidelines. I determined the financial and repayment capacities of borrowers and reviewed appraisals and underwrote loan collateral.Selected Accomplishments:• Played a key role in restructuring complex rejected or suspended loans to obtain approval.

In this role, I prepared loan packages in the areas of Conventional, FHA, VA, USDA, and NC Housing loans, including purchases and refinances. I served as a subject matter expert (SME) for all loan types, and I was a senior member of a 5-person underwriting team. In addition, I was responsible for risk assessment, income and credit analysis, and documentation review, and I ensured compliance with all industry and government guidelines. As part of this role, I evaluated the financial capabilities of borrowers to determine risk and repayment capacity and was actively involved in restructuring rejected/suspended loans to obtain subsequent approval. I also reviewed appraisals and underwrote collateral of loans.Selected Accomplishments:• Consistently achieved the highest funding rate of the 5-person underwriting team.• Improved efficiency and quality by training underwriters on loan programs and mortgage software.• Produced the fastest loan turnaround times for internal and external clients.• Met or exceeded goal of 7-10-day time to closing with zero pends following post-closing audits.

During this time, I reviewed, analyzed, approved, and underwrite complex consumer requests and products, including FHA and Conventional loans. I also evaluated assets, income statements, and risk, performed exception underwriting and discretion analysis, and reviewed and underwrote self-employed customer loans.Selected Accomplishments:• Promoted from Senior Underwriter, FHA Direct Endorsement/Consumer Loans, Level 3, to Sr. Wealth Management Mortgage Writer, Level 4, in less than 1 year.• Dramatically reduced risk by performing critical compliance and fraud detection reviews.• Responsible for Non-Conforming, Jumbo, Conventional, FHA, and VA purchases and refinances.• Maximized cash flow and eliminated bad debt by renegotiating loans.

I reviewed and underwrote FHA and Conventional loans, including complex self-employed businesses and rental properties, and also evaluated financial information and prepared credit decisions. As part of my role, I analyzed AUS findings to accurately status applications and ensured compliance with all local and federal regulations.Selected Accomplishments:• Completed 160-180 loans and signed applications/month. Maintained pipeline of 60-80 loans/month.

While in this position, I oversaw and performed final credit and financial data analyses for underwriting approval. I assisted with credit and appraisal review of complex loans, supervised a staff of 10+ in processing, closing, and selling loans for 5-state southeast region, including purchase, refinance, and HELOC, and monitored performance, set goals, and conducted audits. In addition, I analyzed and underwrote self-employed customers’ tax returns and evaluated personal and business returns.Selected Accomplishments:• Consistently funded 85% of team pipeline within 30-day commitment period or less.• Maintained average monthly fundings of 75%-85% pull-through of each month’s pipeline.• Led team ranked in Top 5 Regional Operations Centers nationwide.• Lowered reducing modifiers from 25%-50% to 0%-5%, while dramatically improving incentives.

I was promoted through several increasingly responsible roles, beginning with Supervisor and Loan Mortgage Underwriter, to Branch Manager/Service Manager, and finally Mortgage Sales Consultant. I originated high-quality FNMA mortgages, carried out sales, approved and underwrote loans, supervised branch functions, and supervised teams of loan officers, customer service representatives, sales representatives, loan processors, and underwriters. I managed a large portfolio, issued commitment letters, monitored transactions, and conducted monthly audits. I also reviewed and closed equity, line of credit, credit card, deposit, mortgage, and other loans. I approved up to 40 loans per month, including purchase, refinance, Fannie Mae, self-employed, investment and property, and Jumbo/Super Jumbo.Selected Accomplishments:• Earned multiple awards and recognition for superior customer service and zero defects.• Managed teams that consistently ranked in the Top 10 for the Southeast Region.CAREER NOTES: Previously a Supervisor with CHASE BANK for Rural Housing Development (USDA), and Branch Compliance Officer, Senior Funder, and Processor with ADVANTA MORTGAGE CORP. and Evidence & Rotor Clerk with the FEDERAL BUREAU OF INVESTIGATION. Details available on request.