Susan Layman Email & Phone Number

York, Sc, United States

Charlotte, North Carolina Area

Assisted highest producing Loan Officer by taking loan applications in person, by phone and online, obtaining personal financial information from borrowers, reviewing their credit reports, income and assets to assure they qualified for a mortgage loan. Completed status reports for loan officer on loans in process, missing documents along with following up on these documents to enable loans to go to processing and underwriting.

Remote

I underwrote loans for lenders ensuring compliance and adhering to FNMA and FHLMC or investor guidelines.I have successfully met production goals of underwriting 3-5 loans per day while also clearing conditions / trailing documents. I have strong analytical skills and ability to ensure quality standards and zero defects were met.

Charlotte, Nc

UNDERWRITER (2012-2017)Underwrote mortgage loans per FNMA and FHLMC and individual investor’s policies and procedures. Coordinated all aspects of the process including communication with brokers and investors involved in the transactions. Analyzed loan file data including credit, income, debts, property, CLTV, and borrower stability to determine insurability.• Selected from among a large group of candidates to participate in the United Guarantee Master of Excellence Apprentice Class.• Selected to serve on the company’s Employee Resource Group and served as Chairman of the Working Families subgroup.• Made decisions to approve or deny requests for first lien mortgage insurance based on company risk standards and agency guidelines. • Communicated decisions to lenders and answered questions on underwriting guidelines.LOAN QUALITY SPECIALIST (2010-2012)Reviewed closed loans in foreclosure. Researched for fraud and guidelines compliance.Conducted a post close review of insured mortgage loans for qualification under United Guaranty’s Accelerated Rescission Relief program.• Analyzed mortgage post close documents to confirm that loan closed as approved• Reviewed file for potential fraud or misrepresentations.• Reverified employment and assets information on file to confirm loan closed as approved.• Performed a post close credit review on file to confirm that there were no undisclosed liabilities.

Underwrote to FHLMC and FNMA guidelines utilizing DO/DU, LP and FHA loans. Analyzed, structured and made decisions on loans including review of credit, income, assets, appraisals and title. Established stronger working relationships with partner groups.

Charlotte, Nc

Cleared conditions for the loan processing center. Maintained thorough knowledge of credit policies and credit culture, while staying abreast of all policy changes and loan approval system changes/enhancements.

Charlotte, Nc

Underwrote closed loans to ensure they met HSBC credit guidelines as well as individual seller variances Verified that any guideline exceptions made were within appropriate authority limits. Determined compliance to all 50 state and federal requirements.• Received the Field Training Team Award.

Charlotte, Nc

Underwrote to FHLMC and FNMA guidelines utilizing DO/DU and LP and FHA loans. Analyzed, structured and made decisions on loans including review of credit, income, assets, appraisals and title.• Awarded the Spirit Award of Excellence which included a trip to Utah with executive management.

Charlotte, Nc

Underwrote mortgage loans per FNMA, FHLMC, and individual investor guidelines. Responsible for training office personnel in various aspects of mortgage insurance.• Received the company’s Quality Award which included the opportunity for greater visibility by rotating between the PMI office and the lenders’ offices.• Won the company’ Customer Service Award based on customer survey responses.