Amick Ellerman - Underwriter - Columbia, SC, USA

Marcia Amick Ellerman

Columbia, SC, USA

Services

Underwriter

  • Full time
  • Part time
  • One time
  • Contract
  • Temp

Summary:

I have 30+ years experience in the Mortgage Banking Industry as. Frontline Underwriter, Due Diligence Underwriter, Compliance Underwriting, Quality Analyst Underwriter as well as Forensic Underwriter. In addition, I have previous experience as a Loan Processor, Loan Processing Manager, loan Processor Liaison between the processors and loan officers where I stepped in and resolved difficult loans and tailored them to better suit the clients specific needs.

In addition, my previous experience includes Secondary Marketing, Closing, and Post Closing Review along with Post closing Supervisor.

The unique benefit about my previous experience is that I am extremely detailed oriented. Aware, of the importance of excellent customer service and keeping everyone up to date and in the "know".

I believe that Prior Proper Planning Prevents Pitifully Poor Performance...

Knowledge is power and the more knowledgeable I can help keep our client the smoother the transaction will go.

Work History

PFQA Auditor/Quality Analyst- PFQA

Freedom Mortgage Corporation

October 2011 - August 2013

* Complete pre-fund audits and quality control reviews in accordance with LQI requirements.
* Review documentation for fraud activity.
* Work with underwriting, broker liaisons, processors and national account executives to ensure marketability.
* Clarify Business and credit policies
* Capture Critical loan data earlier in the process
* Validating certain data quality, eligibility, and pricing primarily before, but also during lending approval process.
* Monitoring loan quality performance and providing feedback through quality control reviews.
* Compliance Specialist, Participated in audits, Fraud and Investigations.
* Update on FNMA, UMDP Guidelines as well FHLMC guides.
* Experience LP and DU, FHA and VA.

Temporary AppleOne Employment

AgFirst Farm Credit Bank

September 2010 - September 2011

LQI Compliance Specialist/Quality analyst- PFQA

* Complete pre-fund audits and quality control reviews in accordance with LQI requirements.
* Review documentation for fraud activity.
* Work with underwriting, broker liaisons, processors and national account executives to ensure marketability.
* Clarify Business and credit policies
* Capture Critical loan data earlier in the process
* Validating certain data quality, eligibility, and pricing primarily before, but also during lending approval process
* Monitoring loan quality performance and providing feedback through quality control reviews

Frontline Underwriter-
* Underwrote FNMA/FHLMC mortgage loans to include ALT A in accordance with corporate and government guidelines.
* Calculated ratio's, DTI. LTV to include analysis of tax returns.
* Reviewed loan for adherence to compliance guidelines as required by government and corporate polices.
* Resolution of DU/LP finding.
* Review of Collateral to ensure marketability.

Misrep (Investigations-Fraud) Specialist

Headway Corporate Resources

October 2008 - September 2010

* Conduct in-depth investigations into all aspects surrounding the mortgage transaction.
* Determine if outside investigations is required and take the required actions, determine
* appropriate disposition of file.
* Follow up with external vendors to ensure prompt turnaround of documentation and/or * reports PI, BPO review appraisals needed for completion of investigative reviews.
* Prepare internal and external communications regarding investigative results.
* Participate in Investigations special projects.
* Improve investigations processes and procedures when necessary.
* Review files for underwriting errors if applicable.
* Responsible for requesting and reviewing Private Investigations reports.
* Determination if evidence was sufficient to submit to the committee for action.

Underwriter II

NetBank Inc

From January 2007

* Analyzed borrowers credit history, employment and collateral to forecast risk and make decisions regarding awards.
* Underwrite and validate mortgage loans to include ATL A.
* Ensured quality control within regard to FNMA/FHLMC, along with corporate guidelines while maintaining high standards of customer service.
* Utilized exceptional communication skills to gather information from sales staff, brokers and management regarding account status and ensure customer satisfaction.
* Negotiated with broker's nationwide, providing approval, counter-offer and denial information.

Underwriter / Office Manager

Mortgage One Corp

July 1996 - December 2006

* Underwrite and validate mortgage loans in include ATL A, VA within regard to FNMA/FHLMC guidelines.
* Utilized fraud detection systems to pre-qualify collateral.
* Maintained constant and efficient communications with loan officers.
* Assisted loan officers in placement of loans and Alternative loan programs to better
suit the client's needs.
* Researched and verified borrower records with meticulous attention to detail.
* Responsible for employee training and management of employees.
* Research of new and inventive loan programs.
* Set up warehouse lines and correspondent lenders.

Processing Manager / Loan Processor Liaison

July 1996 - March 1999

Supervised two staff members, ensuring quality and adherence to organizational policy.
* Resolve any problems on loan application prior to submission of loan and ensured compliance to all federal and state policies pertaining to private investments.
* Managed personal and team workload to accurately and efficiently process high account volumes.
*

Qualifications & Certifications

Skillpages has been acquired by Bark.com!

Bark.com is pioneering the way people find local services. Skillpages is the world’s premier directory of service providers.

Find out more

Marcia Amick Ellerman provides the following services:


Supported Countries
Choose your country

×