Suzanne Samide Email & Phone Number

Sacramento, Ca, Us

Shingle Springs, Ca, Us

Folsom, California, United States

Dedicated Mortgage Training and Support Specialist with a strong background in mortgage lending, training, and team support. Proven expertise in developing and delivering training programs that enhance team knowledge, performance, and compliance with industry regulations. Skilled in simplifying complex information and fostering a collaborative learning environment to ensure team members have the tools and knowledge needed to succeed.

United States

Leveraging my vast knowledge from Underwriting with Wells Fargo, I have moved back into a sales role to provide the best possible experience for my customers, partners and valued real estate agents. I specialize in FHA, BOND, VA and DAP programs as well as conventional lending. Responsible for generating new relationships and helping home owners with whatever their mortgage needs may be and as always, exceeding their expectations.

Wells Fargo

•Responsible for reviewing analyzing, approving and underwriting individual consumer requests and products within company and investor guidelines.•Heightened sense of dependability by ensuring own actions and work, reliable, responsible and dependable; consistently exceeding commitments and obligations •Excellent interpersonal personal skills and recognized with building a strong relationships with our partners and our customers. •Sacramento Metro Market Award Winner for Underwriting 1st and 2nd quarter.• Ability to establish and accomplish challenging goals and standards despite adversity, obstacles and effort required. •Impeccable analyzing skills, able to manage high risk factors while maintaining and exceeding production goals. •Recognized consistently by peers, direct leadership and corporate level channels including those of our business partners

Rancho Cordova

•Responsible for obtaining approvals on exceptions and portfolio management while closely working with Senior Leadership, Legal, Risk and Global compliance•Assist with project and process design used for improvement and implementation of new policy and procedure•Designed quality regulations and evaluations based on monitoring data flow against quality standards •Wrote and verified standards of quality and testing procedures •Reviewed and modified quality assurance programs to test performance according to user spec data and inputs •Provided quality control to other departments on issues of quality checking •Participated and led in quality analyst committees, working with Projects/Process Design to implement new procedures and policy

Rancho Cordova

•Utilize vast knowledge from processing and underwriting background to determine proper loan products for customers and offer additional products and services to enhance their banking relationship.•Demonstrate consistent sales results exceeding department goals. Consistently receiving exceeds expectations on all performance reviews •Assisting in training over 150 associates from 2006-2010•Partnered with Senior Leadership, project and process design for new HOEPA requirement process, implemented to sales force 2009. Created FHA training guide approved publishing corporate wide•Create and foster a positive environment that expects and understands change, inspires teamwork, and growth.•Built relationships by networking independently to gain new business and have maintained those relationships

Rancho Cordova

•Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and non conforming mortgages. •Mortgage underwriter, strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality•Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability •Ensured loan submittals met internal & external eligibility requirements. Gained extensive experience in underwriting FHA, VA and Fannie Mae Loans •Provided meticulous attention to detail in underwriting mortgages. Evaluated financial strength of borrowers to determine risk & repayment capacity •Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements. •Demonstrated excellent follow-through with borrower, loan processors, loan originators and senior management throughout all phases of the underwriting process. •Skills utilized: Lending and Underwriting, Credit and Income Analysis, Cash Flow Analysis, Risk Assessment, Loan-to-Value Ratios, Debt-to-Income Ratios, Conventional and Government Mortgages, Conforming and Nonconforming Loans, ARM’s, Loan Closing, Funding and Documentation, and Account Service Excellence