Highlights:
Judith A. Walter
921 Moore Street
Cedar Hill, Texas 75104
(214) 762-5774
judyannwalter@tx.rr.com
SUMMARY
A hardworking and results-oriented financial services professional with wide-ranging expertise in loan processing, risk management, regulatory compliance, portfolio management, underwriting, financial closing activities, auditing and quality control. Mentors and trains personnel to facilitate advancement within an organization. Develops comprehensive polices and procedures, ensuring adherence companywide. Spearheads key projects, overcoming complex challenges with self-motivated determination, delivering top results.
An adaptable and analytical leader who evaluates existing processes and makes practical recommendations to improve efficiency and performance. A congenial team player who gets along well with diverse groups, employing outstanding interpersonal skills to build strong business relationships. As a forward-thinking problem solver, anticipates issues and provides cost-effective solutions. A continuous learner who seizes opportunities to expand skills sets and apply new concepts. Ushers in a new future of growth and prosperity for an enterprise.
EXPERIENCE
EMC MORTGAGE COMPANY, Lewisville, Texas
Underwriter, Supervisor, 2005-2007
Held responsibility for underwriting approved loans as well as full closed packages for purchase. Worked closely with sellers and clarified guidelines. Researched loans with investigate warnings. Set up underwriting prior approval, flow subprime and post-closing departments. Interviewed and hired personnel. Answered questions for out-customer base of lenders. Trained employees and wrote procedures for individual departments.
? Reviewed files underwritten over loan amount of $650,000 and up to $1,500,000 for approval.
? Evaluated denied files and called lenders to prove information on denials.
? Underwrote ALT-A, subprime, post-purchase and full closed loans as well as prior approvals.
? Increased amount of loans coming through subprime group full closed packages and prior approvals.
? Trained and mentored employees for growth within company.
SEBRING CAPITAL PARTNERS, Carrollton, Texas
Portfolio Retention Manager, 2003-2004
Assistant Vice President, Risk Manager, 1997-2002
Refinanced existing portfolio as well as new REO properties. Interviewed, hired and trained new employees on underwriting for subprime lending. Transformed lending process to expand to clients with lower Fico scores without increasing risk. Managed team of underwriters for Southeast region. Made sound risk exceptions to guidelines.
? Trained new employees in risk management and underwriting.
? Provided counseling and delivered annual reviews.
? Set goals, approved paid time off and made salary recommendations.
? Conferred with senior management in exception process, minimizing company risk.
ADDITIONAL EXPERIENCE
MUTUAL EQUITY MORTGAGE CO., Dallas, Texas, Operations Manager, 1996-1997. Pre-underwrote B & C files prior to sending to investor for final approval. Closed B & C conventional loans, banked, funded and shipped. Held responsibility for final documentation flow. Served as liaison between correspondents and investors. Implemented procedures for start-up company. Set up office. Underwrote, closed, funded and shipped loans to investors. Interviewed and hired personnel.
SIERRA WESTERN MORTGAGE, Dallas, Texas, Closer, Post Closer, Shipper, 1995-1996. Closed conventional loans, post closed, audited and followed up. Shipped loans to corporate office.
FRANKLIN MORTGAGE CAPITAL CORP., Dallas, Texas, Assistant Vice President, Director of Compliance, Correspondent Lending Manager, 1992-1994. Developed correspondent lending, compliance and pre-funding quality control departments. Created correspondent lending manual. Established operation procedures for broker/appraiser approval, pre-funding quality control, as well as federal and state regulatory compliance. Developed internal procedure manual. Recruited and directly managed personnel in compliance, pre-funding quality control and correspondent lending departments.
COMPUTER SKILLS
INDYMAC, FNMA, Core Logic (CS Marketing), FISERV, Compliance Ease, Microsoft Office: Word, Excel.
PERSONAL
Married. One child. Enjoys making themed party favors, faux cakes and other craft projects.
Companies I like:
Indy Mac, Saxon,
Developing new departments for post purchase and sub-prime underwriting
Description
