BOBBI HARP
Roach
Summary
Experienced underwriting professional equipped to lead teams and drive impactful results. Skilled in risk assessment, due diligence, fraud, and appraisal escalations. Known for strong collaboration, adaptability, and reliability. Current mortgage operations professional with extensive experience in correspondent, wholesale, and retail lending. Creative and self-motivated, offers groundbreaking ideas and concepts, uses own initiative and works efficiently as part of a team.
Meticulous and systematic Post Closing underwriter long track record of meeting high expectations and adhering to tight quality control standards. Thrives in fast-paced, high-pressure environments with demanding targets. Team-oriented, reliable and performance-oriented. Good problem-solving, critical thinking and reasoning abilities with attentive and forward-thinking nature.
Overview
23
23
years of professional experience
Work History
Due Diligence Underwriter
Consolidated Analytics
02.2024 - Current
- Completing a post closing review of Agency, Non-Agency, QM, Non-QM and Second mortgage products for our lenders.
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval based on the lender's overlays and credit guidelines.
- Verified accuracy of documentation such as income statements, tax returns, bank statements, credit documentation, appraisal, and other related documents.
- Currently conducting underwriting training with a team of 2 offshore FTEs.
Short Term Hospitality Industry Assignment
Lake Valley Golf & Country Club
03.2023 - 02.2024
Post Closing Credit Underwriter II
Mr. Cooper DBA Nationstar Mortgage, LLC
08.2013 - 12.2022
- Oversight of 3 FTE including training and managing daily production of three post closing underwriters
- Review of post closing audit findings from Quality Assurance, Counterparty Risk Management and Credit Risk Oversight team for validity
- Underwriting of closed loan packages for Correspondent Lending Channel
- Clearing suspense and underwriting conditions and maintaining below 5% defect rate
- Completing second level review and assistance with questions on all Vendor underwriter completed files
- Assisted with guideline questions and complicated loan scenarios
- Review exception requests and manager escalations for Correspondent Underwriting team
- Created job aids and procedures for Correspondent Underwriting team and provided training as needed
- Issue errors and provide feedback to management and team on any material findings cited that remain
- Maintained less than four percent overall gross defect percentage on internal channel audits
- Obtaining and reviewing cure documentation from lenders on audit findings and repurchase demands
- Managed weekly reporting to management on outstanding defects, responsible parties and trending information
- Working with management on procedures and escalations to decrease gross and net defect percentages
- Review of fraud, appraisal, and repurchase escalations
- Auditing of internal Correspondent Underwriting files and conditions
- Subject matter expert for Correspondent Lending Channel
Credit Underwriter 04
CitMortgage, Inc
04.2012 - 08.2013
- Underwriting of closed loan packages for Correspondent Lending Channel
- Review and clearance of suspense and underwriting conditions
- Maintaining below 5% defect rate on loans underwritten and conditions cleared
- Completing second level and collateral review of all Vendor completed files
- Assisted with guideline questions and complicated loan scenarios
Underwriting Advocate/Credit Underwriter
CitiMortgage, Inc
10.2010 - 04.2012
- Cleared suspense and underwriting conditions on files ready for purchase
- Assisted with any projects or questions that Account Executives or Correspondents may have
- Managed pipeline for two of largest lenders in channel
- Subject matter expert for team and channel
- Received exceptional ratings on last review
Senior Loan Processor/Junior Underwriter
Aurora Loan Services LLC
10.2009 - 10.2010
Contract Underwriter
Aurora Loan Services LLC
06.2009 - 10.2009
Mortgage Consultant
CitiMortgage, Inc
02.2009 - 06.2009
Sales Development Consultant
CitiMortgage, Inc
12.2006 - 12.2008
Correspondent Underwriting Advocate
CitiMortgage, Inc
10.2005 - 11.2006
Wholesale Inside Sales Representative
CitiMortgage, Inc
09.2002 - 09.2005
Education
Associate of Arts - Business Administration
East Central College
Skills
- Proven leader
- Risk Mitigation
- Training and Development
- Manages risk and control
- Innovates and manages change
- Loan file auditing
- Decision-Making
- Multitasking Abilities
- Excellent Communication
- Good Telephone Etiquette
- Written Communication
- Teamwork and Collaboration
- Active Listening
- Analytical and Critical Thinking
- Self-Motivated
- MS Office
- Customer service and assistance
- Quality Control
- Credit analysis
- Loss Mitigation
- Trend analysis
- Report preparation
- Market trend analysis
- Fraud detection
Accomplishments
- 2014 Awarded the Originations Incentive Trip for Correspondent Operations - Nationstar Mortgage
- 2005 Quality Excellence Award for the Broker Channel - CitiMortgage
- 2002 Excellence Award Vacation for the Retail Channel - Wells Fargo
Timeline
Due Diligence Underwriter
Consolidated Analytics
02.2024 - Current
Short Term Hospitality Industry Assignment
Lake Valley Golf & Country Club
03.2023 - 02.2024
Post Closing Credit Underwriter II
Mr. Cooper DBA Nationstar Mortgage, LLC
08.2013 - 12.2022
Credit Underwriter 04
CitMortgage, Inc
04.2012 - 08.2013
Underwriting Advocate/Credit Underwriter
CitiMortgage, Inc
10.2010 - 04.2012
Senior Loan Processor/Junior Underwriter
Aurora Loan Services LLC
10.2009 - 10.2010
Contract Underwriter
Aurora Loan Services LLC
06.2009 - 10.2009
Mortgage Consultant
CitiMortgage, Inc
02.2009 - 06.2009
Sales Development Consultant
CitiMortgage, Inc
12.2006 - 12.2008
Correspondent Underwriting Advocate
CitiMortgage, Inc
10.2005 - 11.2006
Wholesale Inside Sales Representative
CitiMortgage, Inc
09.2002 - 09.2005
Associate of Arts - Business Administration
East Central College
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