Sandy K. Email & Phone Number

San Francisco Bay Area

Concord, California, United States

- Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer requests and products within company and industry guidelines.- Responsible for meeting and maintaining portfolio lending quality standards. Quality Audit results over tenure resulted in 99-100% quality results.- Functions include reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value).- Examining transactions to ensure accuracy and completeness.- Preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines.- Implementing fraud detection techniques, performing compliance reviews.- Assisting with renegotiations of loans based on lending guidelines, serving as a consultant/technical resource on difficult problems and questions.

Walnut Creek, Ca (Home Based)

•Underwrite complex and specialized loan submissions ensuring eligibility, accuracy, completeness, and compliance with company, GSE and regulatory policies/guidelines to minimize risk factors.•Evaluate creditworthiness and financial strength of borrower to determine degree of credit risk and assess loan-level eligibility. Review and analyze loan applications, credit reports, liabilities, assets, and income. •Determine whether to approve application based on key risk factors. Offer alternatives to initial loan request as applicable to provide a consistently positive customer experience.•Act as lead underwriter and manage customer relationships with key accounts. Establish and maintain exceptional customer service levels through regular communication and status updates. Negotiate and resolve customer conflicts.•Act as a resource for complex loan scenarios, conducting research if necessary, and providing accurate information.•Selected as part of a team testing current systems and respond to management as to the user experience; validate system algorithms to ensure current underwriting guidelines are accurately reflected.•Mentor and coach new or less experienced underwriters. Act as second-level review and serve as a point of escalation

Forensic Underwriting services relating to mortgage insurance policy claims. Scope of work includes responding to Lenders' appeals for reconsideration of mortgage insurance company's decision to rescind coverage after having reviewed original rescission decision, appeal, and origination loan file. Propose recommendations to either reverse or maintain the Company's initial decision. Work closely with Lender-clients and internal departments, including Compliance Underwriting, Credit Risk Operations, and Legal. Consistently selected as a member of Specialized Teams charged with complex analysis of portfolio and heightened coordination within various areas of the firm as well as external customers and contacts.

Operations Manager for Custom Construction Mortgage Banker. Accountable for quality control, timely delivery to investors, warehouse banking relationship, processing, underwriting, loan document preparation, and funding oversight.

Provided Quality Control audits for agency real estate loans on an outsourcing basis. Audits included a review of policies and procedures, direct audit of loan transactions, preparation of high-level reports to clients. Additionally, directly underwrote and granted MCC certificates for the City of Los Angeles and provided periodic reports outlining results based upon HMDA criterion.

Mortgage Insurance underwriter for the greater Los Angeles area. Provided underwriting services for policy requests while consistenly meeting response times and adhering to established guidelines and procedures.

Bachelor’S Degree, Liberal Studies, Multiple Subjects Teaching, Magna Cum Laude!!

Aa Liberal Arts, Highest Honors Recipient

Hs Diploma, Gen Ed