Sandy Simmons Email & Phone Number

United States

Orange County, California Area

Greater San Diego Area

• Responsible for interpreting and defending lender clients against mortgage insurance rescissions and repurchase demands.
• Diligently analyzed carrier and investor assertions, performed the requisite investigation, and constructed individual appeal letters to achieve optimal results.
• Consistently produced above company average of mortgage insurance reinstatements and repurchase rescissions.
• Analyzed and underwrote mortgage loan files for credit worthiness, investor compliance and loss mitigation. Required to analyze credit reports, calculate income, and evaluate appraisal documents to ensure compliance.
• Launched an internal audit and quality control system, through Quick Base, to ensure the highest quality execution of product for clients.
• Coordinated the onboarding of a claim filing project for a large reverse mortgage servicer including review of client process, recommendation of improvement and direct claim filing which lead to project completion.

Carlsbad, CA

• Oversaw daily branch production including; loan setup, processing, underwriting, docs, funding, and post-closing in a multi-state lending environment.
• Worked closely with company owner, management peers, sales and production staff to facilitate successful communications across company lines.
• Conducted focus groups to assess areas of success and opportunity between sales and operations teams.
• Successfully managed FHA test case phase to obtain full branch delegation including direct contact with HUD staffing and personally underwriting each test case loan to specific requirements.
• Developed processes and procedures for each operations department in support of company objectives.
• Structured company underwriting philosophy based on multiple lender guidelines to ensure each loan was compliant and salable. Including conventional, FHA, VA, HAMP and HARP products.

West Coast

• Provided leadership and advocacy to six operation centers focusing on process analysis, training and development of employees and managers, adherence to compliance requirements, customer service standards, quality loan.
• Established standardized branch workflow within regional footprint increasing efficiencies and productivity.
• Collaborated and implemented a region wide branch management accountability process resulting in increasing loan quality, reducing overhead, and standardizing policy.
• As part of a team, contributed to the corporate underwriting guideline philosophy, development, and ongoing modification.
• Consulted with branch leadership teams to streamline and reduce underwriting conditions increasing loan closings by over 12%.
• Held loan underwriting and signing approval up to $1,250,000.00 and corporate underwriting override authority to $1,500,000.00.

San Diego

• Responsible for hiring and training all branch operation positions; customer service representative, underwriter, loan closer, shipper and post-closer.
• Keenly aware of the sales and operations relationship and its impact on business, volume and synergy.
• Built a branch reputation as a provider of the highest quality service available from a lender, supported by Campbell Survey ratings.
• Produced over one billion in annual loan production maintaining above industry average gain-on-sale.
• Held largest available market share in San Diego county year-over-year.
• Key contributor in a technology team that selected customized and implemented a loan origination system for a wholesale environment.