randy griffith

* Supervised and managed the underwriting and correspondent function for Home Equity loans in a centralized environment. * Responsible for ensuring that all regulatory and institutional guidelines were followed in the underwriting of Home Equity loans and that they meet investor guidelines. * Managed day to day pipeline for meeting quality and quantity service levels. * Reviewed wavier request for exceptions to policy as well as gave 2nd look to all denials. * Provided training to underwriting and processing personnel for analyzing income and changes to existing underwriting guidelines.

* Supervised the Real Estate Lending function for Home Equity lines of Credit, Second Mortgages, Lot Purchase and Mobile Home Loans in a centralized credit environment. * Provided lending support to Branch network for all consumer lending requests including automobile, boat and unsecured loans. * Instrumental in developing the procedures, training and marketing of consumer loan products statewide.

Supervised and administered Home Equity lending program for the Atlanta and Downstate Divisions. Responsible for the processing, underwriting, approval and closing of Home Equity Loans to ensure accuracy in packaging loans to be sold on the secondary market

Outside Mortgage Originator soliciting business from Realtors,Builders, and Internet Leads.

Managed a team of 14 sub-prime underwriters in underwriting wholesale broker loans. Provided support, training and guidance in meeting quantity and quality service levels set by company in regards to pipeline management for Alt-A and Sub-Prime products.Trained new hires on guidelines, appraisal and title review as well as validation systems. Assisted secondary marketing in insuring the salability of our loan products to Investors.

* Provided credit analysis, appraisal review, and title review for mortgage loans submitted through wholesale and retail channels. * Responsible for underwriting and processing loans to meet multi-investor guidelines. * Communicated with account executives, brokers and loan officers in facilitating smoothtransition from submission to closing of loans within service level guarantees.

* Supervised and managed the lending function for Sub-Prime First and Second Mortgage loans originated in the Southeastern Regional Office. * Responsible for managing a team of underwriters, processors and closers to insure that all loans met internal guidelines to be sold on the secondary market. * Managed the appraisal review function of the Branch

* Supervised and managed the Inside Sales and Operations of the Branch. * Responsible for the daily pipeline management to insure loans are being processed,underwritten and closed in a timely manner. * Managed a team of Inside Account Executives to promote excellent Broker relationships and increase loan volume for the Branch.

Since our creation in 1970, Freddie Mac's public mission has been to provide liquidity, stability and affordability to the U.S. housing market in all parts of the country and in all economic conditions. Never has this mission been more important than today. Freddie Mac is supporting the nation's housing recovery, providing access to affordable homeownership and rental housing, helping borrowers avoid foreclosure and stabilizing communities. Today Freddie Mac is making home possible for one in four homebuyers and is one of the largest sources of financing for multifamily housing.

Activities and Societies: Graduated Cum Laude 3.68 GPA Member of National Deans List