Wendy Jean Carlton Email & Phone Number

Smithfield, Ri, Us

United States

United States

Successfully assisted high producer and SVP of approximately 55M in lowest volume funded to 120M in 2021. Liaison between sales, operations, and the condo team to ensure a seamless process from start to finish with borrowers, building a solid file to present to Processing/Underwriting yielding few to no conditions for the borrower while fielding most questions from borrowers and internal teammates in Processing, Underwriting, and Condo. Participate in weekly ZOOM coaching calls held by my MLO for newly onboarded sales teammates company wide. Proficient in condo & jumbo loan profiles given that made up approximately 50% of pipeline. Assisted in rate locking & pricing, guideline questions, income calculations, and underwriting scenarios.

Warwick, Rhode Island

203k & Homestyle Renovation CertifiedManage 12 full-time processors and their pipelines to ensure timely and compliant loan low.Responsible for managing compliance reporting to ensure we are meeting targeted dates for NOIA, re-disclosure events, addressing and rectifying any and all Good Faith Fee Variances.Work with Divisional Operations and Sales Managers with weekly and monthly loan volume projections to ensure we remain on track with monthly corporate goals.Meet with processors regularly for beginning of the month and mid-month in-depth pipeline review to include loan mapping & to ensure loans in process are viable, & on track to meet critical loan dates, and challenges are identified.Work closely with Underwriting Manager addressing loan exceptions needed per product guidelines, managing rushes needed per critical loan timelines, and obtaining guideline clarification when needed for Ops/Sales.

Walpole, Massachusetts

Licensed in MA & RIReview product and loan pricing to lock loans & request concessions from Secondary accordingly.Run credit, analyze, and determine loan product that best suits borrower's goals.Disclose accurate loans per TRID guidelines including email introduction to borrowers requesting credit documentation needed to meet product guidelines.Underwrite loan submissions, review credit documentation obtained & prepare for submission to operations resulting in approvals with minimum conditions needed.Manage file flow from start to finish with processing team to ensure a smooth efficient process.Constant pipeline management with team members; both Loan Officers and Operations to ensure our rate lock expirations are met as well as purchase contingency and closing dates.

Norwood Ma

Review & evaluate information provided on mortgage loan documents to determine borrower and property eligibility.Evaluate credit package by thoroughly reviewing all aspects of assets, credit, & income including accurate income calculations to ensure an investor quality loan.Proficient in analyzing personal and business tax returns.Responsible for running and reviewing AUS findings to ensure loan meets criteria prior to submitting to underwriting.Communicate items needed from borrower in a clear and concise way to satisfy loan requirements.

Norwood, Massachusetts

Reviewed Conventional Purchases and Refinances submitted by the Underwriter for primary, secondary, & investment properties.Ensured each loan was saleable per our various investor guidelines.Responsible for reviewing DO/LP Findings, credit, asset, income, appraisal, & compliance/disclosure documents prior to issuing an approval for closing.Worked closely with underwriters & processors in obtaining the documentation necessary to fulfill Quality Control conditions prior to an issuance of approval.Ensured disclosures met Regulation Z guidelines.

Supervised and trained summer co-ops to perform department functions.Performed yearly audits, addressed and identified trends to ensure that quality and consistency were being met.Generated solid Federal PLUS loans that may otherwise have been denied.Identified credit obstacles and counseled borrowers resulting in solid loans.Consistently worked with Servicing and Guaranty agencies to ensure accurate processing and origination.

Pre-approved loans to conform to Conseco's underwriting and program guidelines.Approved loans within my lending authority and worked with the District Retail Manager as well as the Area Manager on loans outside of my lending authority.Reviewed and approved residential appraisals and titles.Supported the processing staff in helping them to identify and correct appraisal, title, employment, and credit issues in a timely manner.Reviewed each closing package before reaching our closing attorneys.

Trained all incoming processors & managed daily pipelines of processors.Performed and analyzed verifications of mortgage/rent, employment, insurance, taxes, and installment/revolving accounts.Ordered and reviewed titles and appraisals & ensured Underwriter's conditions were met.Rectified title & appraisal issues through constant communication with attorneys and appraisers.Prepared all mortgage closing documents accurately and efficiently.Handled all post closing responsibilities verifying that all mortgage documents had been properly executed, confirming pertinent documents had been recorded, and funding aspects had been met.Processed loans quickly and efficiently given the strict time constraints.Assisted Area Manager with monthly finance reports.