Simone Walters Email & Phone Number

Richmond, Virginia Area

• Support a very high risk and complex segment of mortgage underwriting and analysis of loan applications primarily over $3 million dollars (super jumbo, non-conforming, and conforming loans). • Evaluate creditworthiness of borrows, this includes but is not limited to the review of financial statements, tax returns, asset statements, bank account statements, etc. Investigates and documents large deposits and other anomalies in the credit file. • Review appraisals to ensure appraisers used proper guidelines.• Review and assess whether documentation met investor requirements and identified which loans meet certain investor’s guidelines. • Demonstrate excellent working relationships with all business associates leading to high level of customer satisfaction, which include agents, internal/external customers, sales and service center staff.• Provide guidance to less experienced underwriters and as needed will recommend approvals or denials for applications that are over the lending authority of other underwriters.• Build an effective relationships with ongoing customers; establishes effective rapport in one-time or short-term interactions with customers.

Glen Allen, Virginia

Underwrote mortgage loans in compliance with all applicable guidelines (internal and external).Strictly adhere to guidelines for FHA, and conventional loans.Verify all applicable documentation.Communicate required conditions to expedite final closing of loan. aintains current knowledge of all loan products and origination requirements. Ensures accuracy of loan disclosures and documentation

Richmond Area, Virginia

° Underwrites residential loans ensuring compliance with appropriate company and secondary market investor standards.° Decide whether or not to approve mortgage loans based on information provided in loan applications.° Verify income and employment information, review credit history and calculate the value of a borrower's collateral and assets.° Ensure that the property specifications and loan terms meet financial institution requirements and government regulations.° Provide training and direction to more junior staff.° Audit loan application after final approval is issue to ensure loans meet guidelines.

° Prepared individual and corporate tax returns.

Miramar, Florida

° Licensed Mortgage Broker° Manage office staff. ° Oversee loan application with the client, analyze detail financial and credit data and match customer needs to appropriate programs.° Approves or rejects loan application, or requests additional information.° Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards.° Coordinator between lenders, loan officers, clientele, office personnel and all vendor relationships.° Advise clients and other Loan Officers regarding loan programs. Maintain leads and customer relationships.° Host seminars with loan officers regarding Loan Qualifications, Assure all Operational Policies and Procedures are observe.° Develop business plans and execute against annual business plan goals.

Hollywood, Florida

°Customer relations.°Evaluates acceptability of loan to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors.°Records loan rejection specifying investor and institution guidelines and basis for declining application, such as insufficient cash reserves.S°Successfully manage multi-million dollar pipelines of sub prime residential mortgage loan applications. °Underwrites residential loans ensuring compliance with appropriate company and secondary market investor standards.°Worked directly with assigned Account Executive to execute loan by obtaining necessary documentation for closings. °Acted as a single point of contact between the clients, Account Executive and other operations personnel to ensure the loan met strict criteria for secondary investor purchase.