Sabrina Johnson Email & Phone Number

Anson, Me, Us

Waterville, Maine, United States

• Spearheaded the migration of Loan Origination systems from FISERV Mortgage Director to ICE (formerly Ellie Mae) Encompass and became a certified Encompass administrator. At my recommendation, this change saved the company over $40k/year, eliminated compliance errors completely and alleviated underwriting/processing errors by more than 75%.• Managed all operational staff and internal lending processes.• Researched and authored investor guideline policies, compliance policies and… Show more • Spearheaded the migration of Loan Origination systems from FISERV Mortgage Director to ICE (formerly Ellie Mae) Encompass and became a certified Encompass administrator. At my recommendation, this change saved the company over $40k/year, eliminated compliance errors completely and alleviated underwriting/processing errors by more than 75%.• Managed all operational staff and internal lending processes.• Researched and authored investor guideline policies, compliance policies and lending procedures.• Developed and implemented intense quality control monitoring to ensure the highest level of loan salability.• Packaged, prepared and delivered secondary loans to intended investors.• Responsible for adding multiple investors and obtaining FHA lending authority approval.• Completed quarterly compliance, Maine State Housing Authority, NMLS and WolfPac reporting includingBSA/AML management. Show less

Chicago, Illinois, United States

Chicago, Illinois, United States

Chicago, Il

Collaborated with loan originators and operations personnel to produce the highest possible loan quality adhering to bank and secondary market investor standards while ensuring customer satisfaction. Analyzed collateral eligibility and credit validation. Displayed in-depth knowledge of computer networking systems. Provided ongoing training and direction to loan processors and sales partners. Utilized SASE 3 authority to underwrite both standard and highly complex transactions with loan amounts… Show more Collaborated with loan originators and operations personnel to produce the highest possible loan quality adhering to bank and secondary market investor standards while ensuring customer satisfaction. Analyzed collateral eligibility and credit validation. Displayed in-depth knowledge of computer networking systems. Provided ongoing training and direction to loan processors and sales partners. Utilized SASE 3 authority to underwrite both standard and highly complex transactions with loan amounts up to $2MM. Approved, declined and counter offered residential mortgage loans with proficiency and an appropriate sense of urgency. Met or exceeded expectations at every performance review with emphasis on willingness to take on any task with conviction and transition seamlessly between products. Show less

Chicago, Il

Served as a “go-to guru” for the agency and its clientele. Solely responsible for interviewing, investigating, and hiring of perspective candidates; continued with intense training and agency development. Develop and retain an expansive book of business. Human resources initiator. Consistently reached or exceeded 2010 sales goals and have continually established a strong pivoting and service-oriented reputation with both new and existing clients. Evaluation and field underwriting of new… Show more Served as a “go-to guru” for the agency and its clientele. Solely responsible for interviewing, investigating, and hiring of perspective candidates; continued with intense training and agency development. Develop and retain an expansive book of business. Human resources initiator. Consistently reached or exceeded 2010 sales goals and have continually established a strong pivoting and service-oriented reputation with both new and existing clients. Evaluation and field underwriting of new fire, casualty, life and health policies. Show less

Various

Provided multifaceted due diligence and onsite frontline support to Wall Street investment groups. Reviewed whole loans prior to sale, determined loan salability, and performed comprehensive audits to ensure regulatory compliance and alignment with loans to investor stipulations. Effectively collaborated with lenders, investors, and project leads. Evaluated and dispositioned third party originated loan requests for products including commercial, FHA, VA, Rural Development, Sub-prime, A, Alt-A… Show more Provided multifaceted due diligence and onsite frontline support to Wall Street investment groups. Reviewed whole loans prior to sale, determined loan salability, and performed comprehensive audits to ensure regulatory compliance and alignment with loans to investor stipulations. Effectively collaborated with lenders, investors, and project leads. Evaluated and dispositioned third party originated loan requests for products including commercial, FHA, VA, Rural Development, Sub-prime, A, Alt-A, Jumbo, Conforming and Non-Conforming. Management of 2-25 member underwriting team, ensuring compliance with established lender and investor guidelines. Responsible for ongoing training, coaching and performance management. Key Achievements:➢ Partnered with secondary markets investors, including Aurora Loan Services (ALS), HSBC, Goldman Sachs, C-Bass, Wells Fargo, Credit Suisse / First Boston, Deutsche Bank, CHL, Citibank, Indymac Bank, Morgan Stanley, and Lehman Bros.➢ Delivered key contributions in cleaning up finished audits and clearing satisfactory investor stipulations for bulk trade tie out deadlines.➢ Trained, developed, and oversaw Junior Underwriters. Show less