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 with client and investor published guidelines. • 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 ahead of the scheduled deadline.

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.• Conceived and created a quality control process to meet investor and regulatory requirements.

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 processing and secondary market gain on sale execution.• 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.• Successfully developed and implemented a process to eliminate duplicating loan packages improving productivity and reducing branch overhead by 5%.