Vicki Markee Email & Phone Number

United States

I reviewed conforming, non-conforming and FHA loans

United States

Responsible for reviewing Conventional loans on Encompass. The company had 2 recent layoffs and unfortunately, I was included in the 2nd round.

United States

Reviewed FHA and Conventional Loans

Greater Pittsburgh Area

Responsible for reviewing FHA, Conventional, and New Construction Portfolio loans. Maintains 48 hr turn times for new decisions, and 24 hrs for Appraisals and resubmitted loans. Fluent in using Encompass to process loans. Assemble and ensure accurate and insurable FHA Case Binders.

I was not active in the work force during this time.

Responsible for reviewing complex Non-Conforming, QM, and Non-QM loan transactions to ensure the borrower’s Ability to Repay by reviewing their credit and asset profile. Also, required to confirm the collateral being financed meets minimum property requirements and appraisal standards. Extensive knowledge of the Cash Flow Analysis for Self Employed borrowers. Responsible for collaborating with processors and loan officers to complete an accurate credit profile to ensure that all loan data is collected and correctly entered into the loan originating system. Also, managed a pipeline of approximately 35 to 40 loans a month to ensure they closed on time in a deadline oriented business. *Ranked #3 in January 2017 and #5 in February 2017 in the Northeast Division based on Quality, Quantity and Customer Service scores*Ensured Quality Decisions based on ever changing criteria; having quality scores greater than 95% and recognized as a Diamond Quality Star multiple times*Ability to maintain required service levels with close on time scores greater than 92% obtained by being focused, knowledgeable and willing to go the extra mile for the company and the customersFHA and Conventional Underwriter 2008 to 2015Coordinated all phases of the loan underwriting process ensuring compliance with all FHA and Conventional requirements and underwriting procedures. Responsible for making decisions with due diligence and in a prudent manner regarding the acceptability of the borrower’s Ability to Repay. Also, responsible for the review of the property reports and inspections to ensure property met all FHA property requirements. Analyzed 3 to 4 new loan submissions and 4 to 5 resubmissions per day with a focus on FHA New Construction with Sweat Equity.Reviewed and coached new hires to obtain Conventional Underwriting Authority which resulted in

Performed underwriting of FHA loans which included a detailed review of the loan application,FHA Disclosures and credit, income, assets and collateral documents required to make a qualityloan decision in a timely manner*Outstanding Achievement for Credit Quality *Top Performer Third Quarter of 2005Conventional and Home Equity underwriterReviewed Conventional First Mortgages for FNMA/FHLMC salability.Reviewed Simultaneous Second mortgage requests. Familiar with underwriting against two set of guidelines simultaneously

Wexford, Pennsylvania

Liaison between Mortgage Brokers and the underwriting staff. Assisted Brokers in understandingthe underwriting requirements and process. Responsible for establishing and maintaining business relationships with loan brokersPerformed in office presentations on credit review and self-employed income analysis as well ason site reviews of potential loan applications.