Dear Recruiter,

Attached you will find my qualifications and resume.

Due to my husband's job relocation to Conyers, Georgia, it's necessary that I ob
tain employment in the Atlanta, or surrounding areas.
My qualifications are as follows:
I've worked for two credit unions, all experience in the Mortgage Lending Depart
ment; Lockheed Federal Credit Union and Kinecta Federal Credit Union (formerly H
ughes Employees Federal Credit Union).
My expertise in both positions were processing 1st and 2nd mortgage loans (based
on FNMA and FHLMC guidelines). This also entailed ordering and reviewing of ap
praisal reports, title reports, purchase contracts, analyzing tax returns and pa
ystubs, reviewing bank statements, and preparing files for documents and funding
.
* Process prime 1st mortgage loans (perform credit review, render credit decisio
ns-approve/decline, on conforming and non-conforming conventional loans) to FNMA
/FHLMC underwriting guidelines.
* Process 2nd mortgage loans.
* Obtain PMI approval.
* Review and approve request for Subordination Agreements.
* Process, and fund all employee loans. Manage processing team; review, process,
and submit 1st and 2nd prime and sub-prime mortgage loans.
* Verify loans are being submitted to product guidelines.
* Follow-up on loan approval conditions; prepare files for submission to underwr
iting for preliminary and final approval.
* Review of approval conditions/stipulations for final approval.
* Pipeline management of files for movement through processing system from submi
ssion, approval, and loan documents.
* Processing of 1st and 2nd mortgages (prime and sub-prime) from approval to doc
s.
* Interaction and communication with title companies; escrow companies; realtors
; borrowers.
* Ordering of demands for payoff; ordering title commitments/preliminary title r
eports and
* Analyzing income documentation and credit reports to prepare file for submissi
on to underwriting for approval.
* Processing loans for major builder accounts in the Phoenix area
* Management of pipeline to ensure: proper documentation; program guidelines met
; and closing/funding dates met.
* Work closely with Account Executives; Title companies; Escrow companies and Re
altors to ensure all aspects of customer service are met for the builder and bor
rower.
* Communication with borrower, builder, and title companies throughout the entir
e progression of the transaction.
* Ensures that work distribution, oversight, and pipeline management meet servic
e level agreements (including approving title report exceptions, approving file
exceptions, approving pricing exceptions)
* Training of loan processing staff with daily functions
* Ensures that all requirements as outlined in the Secured Home Lending Policy M
anual and applicable Guidelines are followed.
* Responsible for evaluating and authorizing (or declining) exceptions to guidel
ines and procedures as needed; main point of contact for escalated broker issues
.
* Responsible for managing and maintaining minimum service levels in production,
and turn times to ensure that policies and procedures are adhered to.
Software programs utilized to support job function:
* Microsoft Word, Excel, Outlook
* CLUES, EDGE (Full Spectrum Lending/Countrywide)
* DU
* Calyx/Point (ING Mortgage)
* Empower
Additional areas of expertise:
* Customer Service (currently working in Mortgage Loan Processing in a call cent
er environment); managing and monitoring proper phone coverage to ensure that we
're meeting our service levels to our customers
* Conflict resolution (in charge of escalated issues with customers and resoluti
ons to these matters)
* Training and mentoring Loan Coordinators (Loan Processors) on the day-to-day a
ctivities of mortgage lending
* Daily monitoring and movement of mortgage loan pipelines; setting file priorit
y
* Interpreting policies and procedures in order to dispense to staff efficiently
and timely
* Manager a team of Loan Coordinators (Loan Processors)
* Oversee and manage HR matters within the team (approval of time; approval of t
ime off; scheduling work hours and lunch hours; corrective actions in relations
to job performance and job expectations; performance management reviews)
I'm willing to take a viable position that would allow me to work and get a feel
for the work environment in Georgia, understanding that a management position m
ay not be available at the present, but would be a goal to work towards in the n
ear future.
Please feel free to contact me at 310-467-4895.
Thank you, in advance, for your time and attention in this matter.
Respectfully,
Dorothy D. Brown

Dorothy D. Brown
3993 Mortons Landing Terrace
Ellenwood, GA 30294
310-467-4895 (cell)
E-mail: db394998@westpost.net
Objective:
To seek and obtain a viable position that will allow me to continue and further
the use of my understanding, knowledge, and expertise in the mortgage or bankin
g industry, or in a viable position in a customer service driven market. The sk
ills that I've learned by being in the mortgage industry will serve as a solid k
nowledge base, whether the position I'm seeking is in the private or public aren
a.
Work History
7/06 - Present ING Mortgage
11175 Santa Monica Blvd.
Los Angeles, CA 90025
Current Position: Team Manager (call center)
Job Summary: Responsible for all aspects of the daily operations of a Loan Coor
dinating Team. These processes include ordering and tracking of credit and coll
ateral documentation, reviewing such documentation for completeness and accuracy
, responding to and providing status information to Brokers, Settlement Agents,
and internal interested parties and confirming loan terms and closing terms to c
omplete the loan process. The Loan Coordinating Coach ensures that work distrib
ution, oversight, and pipeline management meet service level agreements. The Lo
an Coordinating Coach ensures that all requirements as outlined in the Secured H
ome Lending Policy Manual and applicable Guidelines are followed. The Loan Coor
dinating Coach hires, trains and supervises the staff and identifies associates'
strengths and challenges, taking steps to raise their development through estab
lished guidelines; Establishes staff work and lunch hours to ensure proper phone
coverage (call center environment) and maintain an optimal level of customer se
rvice; Approval of all hours worked and personal time off.
Essential Functions: Responsible for the completion of the Loan Coordinating pr
ocess; responsible for evaluating and authorizing (or declining) exceptions to g
uidelines and procedures as needed; main point of contact for escalated broker i
ssues; responsible for managing and maintaining minimum service levels in produc
tion, turn time and customer service; responsible for day-to-day loan level mana
gement of assigned Broker accounts; Manage the day-to-day activities of the depa
rtment to ensure efficiency and accuracy; Provides internal and external custome
r service by phone, mail, fax, or email; Ensure adequate processes and proper ma
nagement of the team to achieve department standards; Monitor individual employe
e work production and error rate; Responsible for staffing of department as well
as handling employee related issues (including but not limited to employee corr
ective actions); Provide timely performance appraisals for the team as per compa
ny guidelines (mid-year and year-end performance reviews); Monitor the developme
nt and maintenance of the department's policies and procedures to ensure accurac
y and completion of updated manual; Ensure that policies and procedures are adhe
red to as outlined in the Operations Policies/Procedures and Secured Home Lendin
g Policy Manuals; Consistently work to deliver efficiencies to the processes, wh
ich improve the costs, quality and productivity of the department; Manage and/or
participate in various department projects and responsibilities; Communicate ne
w procedures, changes in procedures to staff and ensure implementation; Work coo
peratively with Coaches of other units to ensure optimal service levels are achi
eved; Monthly audit of various compliance report to ensure all required guidelin
es have been met; Responsible for managing operational risk within the departmen
t, to demonstrate the highest standards of integrity and ethical conduct and hav
e a thorough understanding and adherence to the policies, guidelines and directi
ons of the company.

2/05 - 6/06 First Horizon Home Loan Corporation

5090 North 40th Street, Suite 270
Phoenix, AZ 85018
Position: Processing Supervisor
Duties: Processing/Underwriting loans for major builder accounts in the Phoenix
area. Pipeline Management of files to ensure: proper documentation; program gu
idelines met; and closing/funding dates met. Work closely with Relationship Man
agers to ensure all aspects of customer service are met for the builder and borr
ower. Communicate with borrower, builder, and title throughout the entire progr
ession of the transaction. Training new employees to TMO system; understanding
program guidelines; reviewing loan scenarios; getting loans submitted for qualif
ication into the DU loan Decisioner program, which allows processors with Level
III or higher grade to approve and sign off on loans specific to this program.
Help processors in working closely with the underwriting department on situation
s that are difficult or "out of the ordinary" loans. Assisting the Relationship
Managers in making sure borrowers are given the best loan available that First
Horizon has to offer.
11/02 - 2/05 Full Spectrum Lending (Countrywide), 2555 West Chandler Blvd., AZ
85224
Full Spectrum Lending (Countrywide), 5805 Sepulveda Blvd., Van Nuys, CA 8141
1
Position: Assistant Branch Manager (call center)
Duties: Manage processing team; review, process, underwrite, and submit 1st and
2nd prime and sub-prime mortgage loans. To verify loans are being submitted to
product guidelines; follow-up on loan approval conditions; prepare files for su
bmission to CFC for preparation of final loan documents. Files are tracked thro
ugh pipeline report from submission to closing. Help other team members (Loan S
pecialist) with files and obtaining necessary conditions to close loans in a tim
ely manner. Help train new Account Executives on company standard Operations p
rocess.

6/01 - 11/02 Kinecta Federal Credit Union, 1440 Rosecrans Avenue, Manhattan Bea
ch, CA
Position Held: Operations Supervisor (Processing; Underwriting; Funding)
Underwriter (1st and 2nd Mortgage Loans)
Duties: Underwrite and approve prime 1st mortgage loans (perform credit review,
render credit decisions-approve/decline, on conforming and non-conforming conve
ntional loans) to FNMA/FHLMC underwriting guidelines. Underwrite and approve 2n
d mortgage loans. Approve and issue pre-approval certificates; obtain PMI appro
val; prepare monthly credit committee minutes (approvals, declines, and withdra
wn loans). Review and approve request for Subordination Agreements. Process, un
derwrite and fund all employee loans. Supervise the processing, underwriting, a
nd funding workflow. Assistant Treasurer duties include check signing, vault ac
cess, approving corporate wires, signing Corporate Assignments. Approve Operati
ons staff request for time off and bi-weekly time cards. Preparing departmental
reports (pipeline, funding, etc.); Assisting Operations staff with day-to-day m
ember issues/problems. Back-up system administration for FICS (Loan Producer);
Auditing of 1st mortgage loans, $1,000,000 signing authority.
Education:
University of North Alabama
Underwriting Certification classes (Full Spectrum Lending)
Extensive Assistant Branch Manager Training "ABM Boot Camp" (covering management
, underwriting, funding, compliance, HR)
Computer skills:
Microsoft Office, Outlook
CLUES, EDGE
DU (received DU certification)
Calyx/Point
Empower
Cognos
Personal References upon request