pat mcfarland

Worked remote from home office in a paperless environment. H20 proprietary operating and imaging systems. FHA, Conventional, DU, LP & Manual Underwrite. Self managed time and production to meet company expectations and turn times for new underwrites, condition reviews and managing email and phone communications. Communicated loan decisions both verbally and in writing to account executives and broker partners. Coordinate and work with internal CRM's from submission to underwriting thru clear to close. Initial underwrite included analysis of credit file, property appraisals and preliminary title review. Assure loans qualify with low risk, good credit, job stability, financial stability, likelihood to repay in a timely manner, verify loans meet requirements of Caliber, the investor, the mortgage insurance companies. Completion of income worksheets and underwriter summary forms. Submit loans for final prefunding QC/Audit. Maintained excellent audit ratings with no major findings.

Worked remote from home office in a paperless environment. Avista operating system. Loan programs included: FHA, Conventional, DU Refi Plus, FNMA Homepath, LPOA, loans where borrowers owned more than 10 financed properties. AUS systems: DU, LP.Self manage time and production to meet company expectations and turn times including new underwrites, conditions, emails, phone calls, government help desk email. Work with internal UW assistants on loans from initial decision thru clear to close. Communicate verbally and in writing to AE's, UW assistants and Broker partners.

Started as Senior Underwriter and promoted to Assistant Underwriting Manager. Worked remote from home office with travel to corporate office and remote underwriter homes for 2 week initial training. Responsible for underwriter training, including new hires, review all new hire loans, approve release from training reviews, issue credit authority to underwriters. 2nd level reviews, assisted with written company policy and procedures. Selected to be underwriting/credit representative to attend meetings to view and give opinions for creating encompass wholesale platform. Operating systems: Avista and Encompass, paperless imaging system. Loan programs included: Conventional, DU refi plus, LPOA, FHA, VA, RD, manual underwrites. Reason for Leaving: Company closed.

Worked remote from home office after training at corporate. Underwrite FHA and proprietary reverse mortgage loans. determination of max claim, title and property appraisal reviews to ensure value, title meets requirements, remote paperless environment, self manage time and production requirements. Communicate verbally and in writing to internal and external customers. Reason for Leaving: Company closed

Ellie Mae (NYSE:ELLI) is a leading provider of innovative on-demand software solutions and services for the residential mortgage industry. Mortgage lenders of all sizes use Ellie Mae's Encompass® all-in-one mortgage management solution, Mavent Compliance Service and AllRegs research, reference and education resources to improve compliance, loan quality and efficiency across the entire mortgage lifecycle. Visit EllieMae.com or call 877.355.4362 to learn more.