Theresa Ream Email and Phone Number

Thorough knowledge of complex personal and business financial analysis; expert on tax return and balancesheet analysis, including cash flow analysis. Commended for high performance, and top performer with highquality score. Average loans a day 6-8 reviewed, with final conversion of 80% increase each month.Delegate MI underwriter for Radian, Genworth, and Essent. Approve a variety of collateral types and issueapprovals of Condo & PUD projects through FNMA. Communicate with customers and team members. Network and market to outside realtors, customers, and brokers.

Thorough knowledge of complex personal and business financial analysis; expert on tax return and balance sheet analysis, including cash flow analysis. Commended for high performance, and top performer with high quality score. Average loans a day 6-8 reviewed, with final conversion of 80% increase each month. Delegated MI underwriter for Radian, Genworth, and Essent. Approved a variety of collateral types andissue approvals of Condo & PUD projects through FNMA. Communicated with customers and teammembers. Networked and marketed to outside realtors, customers, and brokers.

Extensive mortgage underwriting experience in FHA, Conventional Wholesale, & Mini Correspondent loans. Handle higher risk loan, responsible for manual, and automated underwriting decision making. Analyze loan packages to render sound credit solutions and decisions. Performed investigative work to solve fraud issues. Responded to all QC & QA audits on all loan types.Thorough knowledge of complex personal and business financial analysis; expert of tax return and balance sheet analysis, including cash flow analysis. Commended for high performance, and top performer with high quality score. Average loans a day 6-8 reviewed, with final conversion of 80% increase each month. Delegated MI underwriter for Radian, Genworth, and Essent. Approval of varied collateral types and issue approvals of Condo & PUD projects through FNMA. Communicated with customers, and team members. Networking, and marketing to outside Realtors, Customers, and Brokers. Trained Customer Service Representatives.

Extensive mortgage underwriting experience in FHA, Conventional Non-Delegated Correspondent loans. Handle higher risk loan, responsible for manual, and automated underwriting decision making. Analyze loan packages to render sound credit solutions and decisions. Performed investigative work to solve fraudulent issues. Responded to all QC & QA audits on all loan types.Thorough knowledge of complex personal and business financial analysis; expert of tax return and balance sheet analysis, including cash flow analysis. Commended for high performance, and top performer with high loan quality score. Average loans a day 6-8 reviewed, with final conversion of 80% increase each month. Delegated MI underwriter for Radian, Genworth, and Essent. Approval of varied collateral types and issue approvals of Condo & PUD projects through FNMA. Communicated with customers, and team members. Networking, and marketing to outside Realtors, Customers, and Brokers. Training of Jr. Underwriters.

Extensive mortgage underwriting experience in FHA, Conventional Retail loans. Handle higher risk loan, responsible for manual, and automated underwriting decision making. Analyze loan packages to render sound credit solutions and decisions. Performed investigative work to detail to solve fraudulent issues. Responded to all QC & QA audits on all loan types.Knowledge of complex personal and business financial analysis; expert of tax return, and balance sheet analysis, including cash flow analysis. Commended high performance, and top performer with high loan quality score. Average loans a day 6-8 reviewed, with final conversion of 70% increase each month. Communicated with customers, and team members. Networking, and marketing to outside Realtors and, Customers. Delegated MI underwriter for Radian, Genworth, and Essent. Approval of varied collateral types and issue approvals of Condo & PUD projects through FNMA. Trained and work with processors daily.

Extensive mortgage underwriting experience in FHA, Conventional Retail loans. Handle higher risk loan, responsible for manual, and automated underwriting decision making. Analyze loan packages to render sound credit solutions and decisions. Performed investigative work to detail to solve fraudulent issues. Knowledge of complex personal and business financial analysis; expert of tax return, and balance sheet analysis, including cash flow analysis. Commended high performance, and top performer with high loan quality score. Average loans a day 6-8 reviewed, with final conversion of 80% increase each month. Communicated with customers, and team members. Responded to all QC & QA audits on all loan types. Delegated MI underwriter for Radian, Genworth, and Essent. Approval of varied collateral types and issue approvals of Condo & PUD projects through FNMA.

Extensive mortgage underwriting experience in FHA, Conventional/Jumbo Wholesale, and Correspondent loans. Handle higher risk loan, responsible for manual, and automated underwriting decision making. Analyze loan packages to render sound credit solutions and decisions. Performed investigative work to detail to solve fraudulent issues. Knowledge of complex personal and business financial analysis; expert of tax return, and balance sheet analysis, including cash flow analysis. Commended high performance, and top performer with high loan quality score. Average loans a day 5-7 reviewed, with final conversion of 70% increase each month. Communicated with customers, and team members. Responded to all QC & QA audits on all loan types. Assisted with training Jr. Underwriters. Delegated MI underwriter for Radian, Genworth, and Essent. Approval of varied collateral types and issue approvals of Condo & PUD projects through FNMA

Extensive mortgage underwriting experience in FHA, Conventional Retail loans. Handle higher risk loan, responsible for manual, and automated underwriting decision making. Analyze loan packages to render sound credit solutions and decisions. Performed investigative work to detail to solve fraudulent issues. Knowledge of complex personal and business financial analysis; expert of tax return, and balance sheet analysis, including cash flow analysis. Commended high performance, and top performer with high loan quality score. Average loans a day 6-8 reviewed, with final conversion of 80% increase each month. Communicated with customers, and team members. Responded to all QC & QA audits on all loan types. Delegated MI underwriter for Radian, Genworth, and Essent. Approval of varied collateral types and issue approvals of Condo & PUD projects through FNMA.

Extensive mortgage underwriting experience in FHA, Conventional Retail, & Wholesale loans. Handle higher risk loan, responsible for manual, and automated underwriting decision making. Analyze loan packages to render sound credit solutions and decisions. Knowledge of complex personal and business financial analysis; expert of tax return, and balance sheet analysis, including cash flow analysis. Commended high performance, and top performer with high loan quality score. High producing office average loans between new underwrite and conditions a day 8-10 reviewed, with final conversion of 90% increase each month. Communicated with customers, and team member. Networking, and marketing to promote company to outside Realtors and, Customers. Approval of varied collateral types and issue approvals of Condo & PUD projects through FNMA. Responded to all QC & QA audits on all loan types.

Extensive mortgage underwriting experience in Conventional/Jumbo Retail loans. Handle higher risk loan, responsible for manual, and automated underwriting decision making. Analyze loan packages to render sound credit solutions and decisions. Knowledge of complex personal and business financial analysis; expert of tax return, and balance sheet analysis, including cash flow analysis. Commended high performance, and top performer with high loan quality score. Average loans a day 4-6 reviewed, with final conversion 70% increase each month.

Responsible for all Hiring, and Employee Evaluations. Working with Human Resources on employee issues. Worked with employees to obtain career growth, and promotions. Underwriting Conventional Prime and Subprime Retail Loans. Manage staff of 45 Loan Specialists, Set Up & Registration, Closers & Funders.Consistently maintaining high Quality Score. Established excellent working relationship with Underwriting and Centralized Closing & Funding. Consistently one of top performing Branches in Region. Assisted Region in implementing and revising Standard Operating Procedures. Clear all Title Commitments Judgments, Vesting, Liens coordinate title issue resolution with vendor partners. Average monthly loans funded 100 to 150. Networking, and marketing to promote company to outside Realtors and, Customers. Senior Loan Specialist/Manager Countrywide Home LoansConsistently funded 25 plus units per month. Managed 3 Loan Specialists. Assisted Processing Manager in daily tasks. Provided training to my team of processors managed. Servicing Department – 1 yearCountrywide Home LoansResearched misapplied payments. Assisted Borrowers in Foreclosure and Bankruptcy on repayment plans, Short Sales, Modifications on FHA, VA and Conventional Loans. Called customers to collect on delinquent payments.