Sandy Simmons

Sandy Simmons Email and Phone Number

VP of Credt @ ClearEdge Lending
United States
Sandy Simmons's Location
Orange County, California, United States, United States
Sandy Simmons's Contact Details

Sandy Simmons personal email

n/a

Sandy Simmons phone numbers

About Sandy Simmons

NMLS #295948 HUD CHUMS #FA26

Sandy Simmons's Current Company Details
ClearEdge Lending

Clearedge Lending

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VP of Credt
United States
Website:
clearedgelending.com
Employees:
123
Sandy Simmons Work Experience Details
  • Clearedge Lending
    Vp Of Credt
    Clearedge Lending
    United States
    View
  • Clearedge Lending
    Vp Of Underwriting
    Clearedge Lending May 2018 - Present
    Orange County, California Area
    View
  • Acopia Capital Group
    Mortgage Underwriter
    Acopia Capital Group Mar 2015 - May 2018
    Greater San Diego Area
    View
  • Zingenuity
    Defense Resolution Consultant
    Zingenuity Jul 2011 - Mar 2015
    • 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.
    View
  • Blufi Lending
    Vice President Of Operations
    Blufi Lending Apr 2010 - Aug 2011
    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.
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  • First Franklin
    Regional Vice President Of Production
    First Franklin May 2004 - Mar 2007
    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.
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  • First Franklin
    Wholesale Branch Operations Manager
    First Franklin Jul 1990 - May 2004
    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%.
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  • Glendale Federal Bank
    Property Insurance Supervisor
    Glendale Federal Bank Jun 1989 - Jul 1990
  • E.F. Foley & Company
    Loan Processor
    E.F. Foley & Company Oct 1988 - Jun 1989
  • Southwest Savings & Loan
    Closing Supervisor
    Southwest Savings & Loan Oct 1986 - Aug 1988
  • Bowest Corporation
    Customer Service Officer
    Bowest Corporation Jul 1982 - Oct 1986

Sandy Simmons Skills

Mortgage Banking Loan Origination Mortgage Lending Loss Mitigation Loans Refinance Fha Credit Residential Mortgages Underwriting Leadership Mortgage Underwriting Loan Servicing Reverse Mortgages Banking Real Estate Financial Services Risk Management Sales Government Loans Reo Process Improvement First Time Home Buyers Credit Risk Investment Properties Certified Mortgage Planning Mortgage Servicing Fha Financing Real Estate Financing Short Sales Va Loans Asset Management Due Diligence Usda Negotiation

Frequently Asked Questions about Sandy Simmons

What company does Sandy Simmons work for?

Sandy Simmons works for Clearedge Lending

What is Sandy Simmons's role at the current company?

Sandy Simmons's current role is VP of Credt.

What is Sandy Simmons's email address?

Sandy Simmons's email address is sa****@****cox.net

What is Sandy Simmons's direct phone number?

Sandy Simmons's direct phone number is +161585*****

What are some of Sandy Simmons's interests?

Sandy Simmons has interest in Social Services.

What skills is Sandy Simmons known for?

Sandy Simmons has skills like Mortgage Banking, Loan Origination, Mortgage Lending, Loss Mitigation, Loans, Refinance, Fha, Credit, Residential Mortgages, Underwriting, Leadership, Mortgage Underwriting.

Who are Sandy Simmons's colleagues?

Sandy Simmons's colleagues are Gladys Yanni, Rick Culp, Jennifer Bailey Tipple, Eric Lu, Deborah Mansfield, Everlyn Williams, Leslie Webster.

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