Tina Marsh Email and Phone Number

BRANCH PROCESSING MANAGER • Managed, trained, mentored, coached, motivated, and encouraged a team of up to 7 processors• Monitored files closing within 3 days to 1 week to ensure on time closings for any files not CTC Reviewed remaining conditions with processors, answered questions, and assisted as needed• Calculated income for salaried, passive, and self-employed borrowers from simple to complex• Reviewed, interpreted, and implemented guidelines (Fannie, Freddie, FHA, and VA)• Led weekly pipeline calls between loan officers and processors • Prepared and presented monthly meetings with processing team• Conducted trainings to the branch• Assigned files to processors• Requested escalations and exceptions, when necessary• Backed up processors as needed, processing files• Prepared and delivered annual reviews• Reviewed and approved time cards• Pulled and distributed reportsDAP I (Decision Authority Processor) and CAP (Clearing Authority Processor) • As a Decision Authority Processor (DAP) I reviewed and validated all data for Conventional AUS approve/Eligible or Accept loans for my team; based on AUS, agency, company, and all applicable laws. Examined loan documentation for accuracy and completeness. Partners with the UW Dept., Loan Originators, Branch Manager and Processors to secure all required documents. Authorized to clear the loan to close.• As a Clearing Authority Processor (CAP), I was certified to review documentation to clear remaining conditions, authorized to issue final loan approval / clear to close for conventional purchases and Refinances.

• Problem solver, thinks ‘out of the box’, analytical• Meticulous, fast learner, high attention to detail, excellent retention, resourceful, self-starter, leader, and team player. • Multi-tasking between files, constantly aware of the status of each file.• Organized and manages time effectively. Promptly answers emails and voicemails. • Encompass, DU/LP, Day 1 Certainty, FHA Connection, VA, Word, Excel, PowerPoint, Outlook• Outstanding communication with customers, team members, management, and third party vendors • Facilitate lending process for all parties, gather documentation for loan approval• Manage a large pipeline (50+ loans/month) taking ownership to close on time• Encompass, DU/LP, Conv, FHA, VA, New Builds, CHFA, CHAC• Prepare LE’s (Loan Estimates) for CHFA 2nds • Subject matter expert - assisting processors with their questions. Recognized as a leader among peers and managers• Developed step-by-step instructions / workflow to navigate new computer system• Primary contact for borrowers & Loan Officers, keeping both informed throughout the process. • Analyze documentation, identify missing documents, and ensure all pertinent documents are in file. Credit reports, VOE’s, DU, LP, title commitments, tax certificates, CPL’s, Homeowners and Flood insurance coverage, PUD & Condo’s, Closing Disclosures, purchase contracts, tax returns, payoffs, asset statements. Calculate LTV, CLTV, DTI.• Submit loans to underwriter after verifying loan documentation was prepared accurately and reviewed for completeness. Communicate with underwriter and challenge conditions, when applicable.• Ensure all conditions are cleared, schedule closing with borrower, and submit file to closing.• Assist with loan structuring in the branch. Look for ways to save the client money whenever possible.

• Subject matter expert - assisting processors with their questions. Recognized as a leader among peers, SVP and VP selected me to travel for system change for client in order to train processors on new system during official, follow-up, and on the floor training • Developed step-by-step instructions / workflow to navigate new computer system• Facilitate lending process / process HARP, HARP AUS, and Conventional loans. • Primary contact for borrowers & Loan Officers, keeping both informed throughout the process. • Analyze documentation, identify missing documents, and ensure all pertinent documents are in file. Credit reports, VVOE’s, DU, LP, title commitments, tax certificates, CPL’s, Homeowners and Flood insurance coverage, PUD & Condo’s, HUD settlement statements, leases, tax returns, HARP tools, payoff’s, asset statements. Calculate LTV, CLTV, D/I.• Submit loans to underwriter after verifying loan documentation was prepared accurately and reviewed for completeness. Communicate with underwriter and challenge conditions that are not necessary in accordance with guidelines. • Ensure all conditions are cleared, schedule closing with borrower, and submit file to closing.

• Review documentation for 2nd lien mortgage modifications • Review and calculate all income types including personal & business tax returns, P&L's • Assist team lead with reviewing other underwriters assessments to ensure accuracy • Subject matter expert - assisting underwriters with their questions and calculations •Training new underwriters and acting as back up co- team lead • Developed step-by-step instructions to navigate computer systemsAWARDS• 2014 – Top producing Underwriter

• Facilitate lending process / process HARP, HARP AUS, and Conventional loans. • Primary contact for borrowers & Loan Officers, keeping both informed through the process. • Order all necessary documentation: credit supplements, appraisals, WVOE’s and tax transcripts • Analyze documentation, identify missing documents, and ensure all pertinent documents are in file. Credit reports, VVOE’s, DU, LP, title commitments, tax certificates, CPL’s, Good Faith Estimates, Homeowners and Flood insurance coverage, PUD & Condo’s, HUD settlement statements, leases, tax returns, HARP tools, payoff’s, asset statements. • Calculate LTV, CLTV, D/I, and create escrows. • Submit loans to underwriter after verifying loan documentation was prepared accurately and reviewed for completeness. • Ensure all conditions are cleared, schedule closing with borrower, and submit file to closing.AWARDS AND CERTIFICATIONS RECEIVED• 2013 – #2 Mortgage Processor for closed loans for June at Urban Lending Solutions.• 2013 – Consistently in Top 10 Processors for loans closed.• 2013 – Recognized by Manager and VP for being an exceptional processor by exceeding their expectations.• The Title Commitments and Insurance Class – completed 3/28/2013• The Income & Employment A & B – completed 5/7/2013• The Assets Class – completed 5/8/2013• The Tax Returns A Class – completed 5/8/2013• The Tax Returns B Class – completed 5/9/2013• The Credit & Liabilities B Class – completed 5/9/2013

• Profile customers to assess their financial needs. • Facilitate lending process / process loans by designing ways to help customers save money by restructuring their debt. • Educate peers with my knowledge in loans, lines of credit, and mortgage referrals. • Assist bankers in analyzing the best type of loan or line of credit for a particular customer, and explain why it is the best choice. • Discuss with underwriter all options to help complete the customer’s application. • Express the main points of each document fluently within a timely manner.AWARDS• 2010 – 2013 closed mortgage referrals of over 10 million.• 2007 – 2013 I produced over $19 million in gross loans or lines for personal & home equity.• 2012 – Top 5 of the state of Colorado in overall production for 1st quarter. Highest loan volume in Denver Retail Market, 2nd highest in the state of Colorado (794k).• 2012 – Top Performer in Home Equity.• 2011 - #1 of the North Suburban Market for loan or line volume.• 2011 - #2 in the Foothills district in overall production for 3rd quarter and loan or line volume.• 2010 – One Wells Fargo Award – Exemplifies Wells Fargo’s motto of being one company through multiple business lines to meet all of a customer’s financial needs. • In the Top 5 of the Foothills District for Home Equity Production for 2009 and 2011.• 2010 - #1 of the Foothills District for loan or line volume and units. • In the Top 5 of the Foothills District 12 out of 13 quarters between 2009 to 2012.•1st quarter 2009 – 4th highest loan/line sales out of 155 bankers in mountain Midwest region.

• Accurately and efficiently prepared HUD settlement statements by complying with lender’s closing instructions, real estate purchase agreements, prorating taxes, and post closing review. • Resolved title and lien issues to prevent a delay in closing and adhere to strict deadlines. • Assessed construction draw requests, monitored lien waivers, detailed record retention, and disbursement of funds. • Conducted, explained, and notarized closing documents for purchase and refinance transactions for multiple lending institutions. • Process and comply with lender closing instructions within loan packages with zero margin for error. • Searched county records, completed updates, typed commitments & short form policies, and funded transactions.