heather baumgartner

* Worked in Data Track and paperless portal. * Reviewed conventional conditions according to state and federal regulations. * Reviewed the accuracy of conditions received. * Cleared basic conditions. * Imaged the document to the property file for review by the underwriting team. * Properly communicated to the broker if items are incomplete or do not meet the applicable * guideline and/or requirements. * Reviewed and cleared flood, hazard, H06, PUD and condo insurances.

* Started as a temp with Account Temps... * Permanent Employee: * Worked solely for the top loan officer in the bank. * Closed and funded conventional, construction & jumbo. * Corrected last minute changes to hud and/or closing package. * Assisted in processing loans. * Set up new loans in system as needed. * Was appointed point person for contact from third parties. * Assisted with new hires by training and sitting in on interviews. * Temporary Employee: * Prepared file for closing. * Prepared final HUD and reviewed for accuracy. * Reviewed conventional, FHA, VA & construction closed loans for all required documentation and accuracy. * Prepared closed loans for shipping. * Originated loans in system.

* Credit Analyst /Underwriter * Analyzed loan documentation to determine loan eligibility according to state and federal guidelines. * Provided alternative loan options when applicable. * Analyzed appraisal for property specifications. * Researched any bankruptcy and foreclosures. * Trained employees to underwrite loans. * Assisted in developing training material for underwriter classes. * Account Manager * Developed and maintained relationships with outside brokers. * Analyzed credit application for eligibility according to state and federal guidelines.. * Supported outside sales team. * Communicated application approval and/or issues with the broker. * Sr. Funder * Prepared and approved final HUD for closing. * Worked closely with title companies. * Prepared closing package. * Prepared funding reports for manager. * Was point person for co-workers. * Supervised 10 team mates. * Provided funding authorization.

* ▪ Asked if I was interested in coming back to work with the team. * ▪ Review and analyz income, assets, DU, HOI, flood, title and appraisal as it pertained to each loan * ▪ 85% of the loans were construction loans. The rest were a mix of jumbo, conventional, purchases and refinances * ▪ Prepared loans for closing and scheduled with the title company * ▪ Verified loans were TRID compliant * ▪ Daily systems used: Outlook, Informative Research, USPS, Cyberdrive, Work Number, MCO (Mortgage Cadence), ELC (Enterprise Learning Center Production), Fi Serve Loan Servicing, Sales Pro, CMS (Collateral Management Systems), & Various County Websites, just to name a few

Bachelors of Science in Business Administration"]