Sandy Hornady Adkins Email & Phone Number

Roanoke, Virginia, United States

Roanoke, Virginia Area Remote

Lay-off due to economic conditions

Avon, Connecticut

Remote

Windsor, Ct

Remote

Charlotte, North Carolina Area

Underwriting, regulatory compliance, fraud, fair lending, and servicing - Examines overall loan documentation (application, appraisal, title, credit, loan-to-value, legal documents) and system documentation of unusual, complex, and/or high-risk transactions - For transactions identified with material deficiencies, provides feedback to internal and external customers, including identification of fraud red flags and inconsistencies - Clearly communicates in written form overall transaction quality and any noted deficiencies identified - Analyzes risks and offsets and develops solutions for the risks and/or complex problems identified - Acts as a mentor to lower level QA Specialists and may assist with their development - Provides support for exam management activities and any other initiatives as needed - Maintains a high level of customer service through proactive communication with external and internal customers, including vendors - Works in a team environment in an effort to achieve business and volume goals - Ensures loan quality through data integrity and risk management - Assists co-workers with their workload when possible- Conventional, Correspondent, 3-step HARPS, Traditional HARPS, collateral review, Early Payment Defaulted loans, and undisclosed mortgage and debt reviews

Charlotte, Nc

Maintained a $1,000,000.00 Lending Authority. Handled underwriting decisions requiring senior knowledgeand/or unique problem solving abilities. Utilized in-depth knowledge of underwriting guidelines meeting agencyand Fifth Third policy credit guidelines.Consistently a top producing production underwriter with month over month improvements to production of 3-5%while maintaining a superior quality ratingResponsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumerrequests and products within company and industry guidelines.Dependent on division and complexity of underwriting, functions may include reviewing financial statements, creditreports, and applicable ratios (i.e. debt ratios, loan-to-value); evaluating; examining transactions to ensureaccuracy and completeness; preparing formal reports for review; ensuring that documents are consistent anduphold to company and industry guidelines; implementing fraud detection techniques, performing compliancereviews; assisting with renegotiations of loans based on lending guidelines; contacting customers and partnersto gather information to make appropriate decisions, explain rationale behind credit decision.Provide guidance and/or training to peers, and Underwriter I and II's to provide performance feedback forsupervisor/managerMaintained strong, effective relationships with internal customers and members of different management teamsas well as the processing and sales teams

South Park, Nc

Maintained a lending authority up to $417,000Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumerrequests and products within company and industry guidelines.Dependent on division and complexity of underwriting, functions may include reviewing financial statements, creditreports, and applicable ratios (i.e. debt ratios, loan-to-value); evaluating; examining transactions to ensureaccuracy and completeness; preparing formal reports for review; ensuring that documents are consistent anduphold to company and industry guidelines; implementing fraud detection techniques, performing compliancereviews; assisting with renegotiations of loans based on lending guidelines; contacting customers and partnersto gather information to make appropriate decisions, explain rationale behind credit decision.

Charlotte, Nc

Maintained $417,000 in Lending Authority.Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumerrequests and products within company and industry guidelines.Dependent on division and complexity of underwriting, functions may include reviewing financial statements, creditreports, and applicable ratios (i.e. debt ratios, loan-to-value); evaluating; examining transactions to ensureaccuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; implementing fraud detection techniques, performing compliancereviews; assisting with renegotiations of loans based on lending guidelines; contacting customers and partnersto gather information to make appropriate decisions, explain rationale behind credit decision

Charlotte, Nc

Maintained a $1,500,000 Lending Authority.Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumerrequests and products within company and industry guidelines.Provide work direction and/or training to lower level team members and provide performance feedback tosupervisor/manager.Maintained strong customer relations with both the internal sales team and the external borrower.Consistently a top producer in applications, funding and pull through, with many service commendations and highannual review scores.Provided QC reviews and second signatures for Jr. Underwriters

Business Management

Currently pursuing my degree

Medical Billing And Coding

Education record