Roxann Beneby Email & Phone Number

Lakewood Ranch, Florida, United States

gpac is a leading provider of full-service solutions to a broad range of clients throughout the US and globally. We can assist you with your specific staffing needs in these key areas:Comprehensive Search and Recruitment Services• Search and selection process. We use a proven, comprehensive strategy to secure the best talent• Confidentiality. We offer discreet search services to protect your company's confidentiality.Placement Services. We provide a complete range of integrated search services for direct and interim placement of candidates. Our research capabilities, industry expertise, extensive network of contacts, and determination allows us to find the top-performers that best fit your particular requirements.• Executive Placement. We place top-level, senior-executive candidates with backgrounds matched specifically to key positions using a retained search approach.• Management placement. We place top-performers in critical mid-management positions.• Highly Skilled Professionals. We provide services for the recruitment and placement of key highly-skilled professionals.

Orlando, Florida, United States

Orlando, Florida Area

• Underwrite Residential Mortgage Loans ensuring compliance with appropriate company and secondary market investor standards. • Examine loan documentation for accuracy and completeness involving conventional loans, included but not limited to analysis of loan application, credit, income asset, and liability documentation to calculate the risk assessment. • Maintain direct contact with business partners, managers and loan originators, while assisting them in completing loan packages, answer underwriting questions and mentor lower level staff on policies and procedures. Explain rationale behind credit decisions.• Author well thought out and concise analysis of relationships using appropriate structure and identifying key risks. • Conduct careful risk analysis and exercise judgment to approve or deny loan files • SME for Residential Mortgage Loans - providing ideas/suggestions on how to market company’s structure to the customer. • Contact external end investors for difficult scenario questions in order to determine the salability of mortgage loans.• Conduct thorough review of financial statements.

Tampa/St. Petersburg, Florida Area

JPMORGAN CHASE, Tampa, FL 2007 – Present Retail Underwriter – Mortgage Banking (2008 – Present) • Underwrite Residential Mortgage Loans ensuring compliance with appropriate company and secondary market investor standards. • Examine loan documentation for accuracy and completeness involving conventional loans, included but not limited to analysis of loan application, credit, income asset, and liability documentation to calculate the risk assessment. • Maintain direct contact with business partners, managers and loan originators, while assisting them in completing loan packages, answer underwriting questions and mentor lower level staff on policies and procedures. Explain rationale behind credit decisions.• Author well thought out and concise analysis of relationships using appropriate structure and identifying key risks. • Conduct careful risk analysis and exercise judgment to approve or deny loan files • SME for Residential Mortgage Loans - providing ideas/suggestions on how to market company’s structure to the customer. • Contact external end investors for difficult scenario questions in order to determine the salability of mortgage loans.• Conduct thorough review of financial statements.• Lending Authority Level of 750K.

Jacksonville, Florida Area

• Knowledge and proficiency in all levels of mortgage underwriting including Agency, Non-Agency, and HARP programs along with structuring paperless and automated files based on investor and regulatory guidelines• Thorough understanding of HAMP and HAFA Treasury requirements.• Provided initial credit decisions, including but not limited to policy exceptions, comply withCorporate Policies and Federal & State Fair Lending laws• Responsible for complete and accurate documentation of all credit decisions while managing additional tasks to ensure initial file review completion from submission to closings.• Initially reviewed and analyzed property valuations, BPO’s, assets and credit reports along with personal and/or business financial analysis in business and personal tax returns and balance sheet analysis.• Responsible for initial reading, understanding and complying with all provisions of the Chase Home Lending Policy based on original loan.• File review for various property types(Condos, Co-Ops and Trusts associated)• Communicated recommended decision (approval, suspense, denial) to appropriate individuals at all levels(Sr. Underwriters, Underwriting Managers, etc.) • Met and Exceeded targets for productivity, quality and customer satisfaction while working independently with little supervision with minimum of 275 files each month.

Jacksonville, Florida Area

•Profitably grew sales for all assigned accounts & market segments by leading, developing, managing, and executed a sales strategy that supports the organization’s goals and increased the company’s market share.•Secured profitable new account partnerships by prospecting, performing a needs analysis, developing a value based sales solution tailored to the customer’s needs, presenting a value based selling proposal, and profitably negotiating a successful close. •Demonstrated and utilized a comprehensive knowledge of other functional departments to support the profitable growth of the business unit; effectively collaborate with additional departments such as Merchandising, Operations, Inventory Control, Credit, and Special Orders•Strong ability to work independently and with team•Developd, managed, and completed sales reporting for all assigned accounts & market segments that included weekly, monthly and quarterly results and pipeline forecasts•Resolved customer challenges by investigating problems and developing sustainable & scalable solutions•Monitored external environment, competitive industry trends, and identified new product/services opportunities and funneled to management.

Jacksonville, Florida Area

Collected and analyzed customer financial information both business and/or personal, determined appropriate mortgage loan products and services, and oversee the loan process•Marketed, serviced or promoted the company’s products and services by attending sales seminars and builder/realtor meetings, calling on real estate agents and brokers, financial advisors, and other potential referral sources•Developed and maintained strong customer referral base•Maintained contact with previous customers through various networking media•Kept current on changing market trends•Achieved proficiency with MicroSoft and other lending based computer systems.•Maintained familiarity with and complied with local, state and federal laws and license requirements affecting mortgage banking•Continued professional development and improved communication skills•Attended company sales meetings•Work flexible hours and be willing to travel• All other duties as assigned by management

Jacksonville, Florida Area

• Worked with large client base for multiple business sources such as Merrill Lynch, Charles Schwab, AIG, USAA, and American Express in mortgage sales.• Originated and processed home mortgage loans for Purchases, Refinances, and Home Equity Lines of Credit along with reviewing sales contracts. • Assisted Management is organizing both individual and team development strategies to increase sales production.• Negotiated mortgage rates and costs with clients during mortgage sales transactions.• Generated leads to be converted into mortgage sales.• Loan processing for closing.

Jacksonville, Florida Area