Mary Heady
Wildwood
Summary
Dynamic professional with extensive experience in mortgage funding and underwriting at First Option Mortgage. Proven track record in ensuring compliance and accuracy while mentoring teams. Strong attention to detail and excellent communication skills drive successful loan closings and client satisfaction. Committed to fostering teamwork and enhancing operational efficiency.
Overview
21
21
years of professional experience
Work History
Homemaker
Heady House
05.2013 - Current
- Self-motivated, with a strong sense of personal responsibility.
- Work effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Excellent communication skills, both verbal and written.
- Passionate about learning and committed to continual improvement.
Mortgage Loan Funder
First Option Mortgage
02.2011 - 05.2013
- Reviewed and verified loan documents for accuracy and compliance with regulatory standards.
- Coordinated funding processes to ensure timely disbursement of mortgage loans.
- Collaborated with underwriters to resolve discrepancies and expedite loan approvals.
- Mentored junior staff on funding procedures and best practices for quality assurance.
- Collaborated with title companies to ensure accurate recording of mortgage documents, protecting both lender and borrower interests.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
DE Underwriter
First Option Mortgage
03.2009 - 02.2011
- Evaluated mortgage applications to assess risk and ensure compliance with guidelines.
- Collaborated with loan officers to gather necessary documentation for underwriting decisions.
- Reviewed credit reports and financial statements to determine borrower eligibility.
- Analyzed property appraisals to verify accurate valuations for loan approvals.
- Handled complex loan scenarios with a high level of attention to detail and accuracy, resulting in well-informed credit decisions that protected the company''s interests.
- Conducted thorough income analyses, verifying employment and sources of income for accurate financial assessment of borrowers.
- Conducted underwriting assessments according to multiple lender guidelines and requirements.
- Examined credit, income and asset documents and reviewed title policy and appraisals.
Licensed Sales Associate
Coldwell Banker Gundaker
02.2005 - 12.2007
- Facilitated property showings, showcasing features to potential buyers and addressing inquiries.
- Negotiated purchase agreements, ensuring favorable terms for clients while maintaining compliance with regulations.
- Guided clients through the buying process, providing expert advice on financing options and investment opportunities.
- Cultivated relationships with local vendors and service providers to streamline transaction processes for clients.
- Performed home evaluations and developed competitive market analysis for individual homes.
Loan Processing Department Manager
Primary Residential Mortgage
05.2005 - 05.2006
- Oversaw daily operations, ensuring compliance with company policies and industry regulations.
- Led team in achieving departmental goals through strategic planning and performance management.
- Developed and implemented training programs to enhance staff skills and operational efficiency.
Education
Communications
Southeast Missouri State University
Cape Girardeau, MOSkills
- Friendly, positive attitude
- Teamwork and collaboration
- Customer service
- Problem-solving
- Time management
- Attention to detail
- Excellent communication
Timeline
Homemaker
Heady House
05.2013 - Current
Mortgage Loan Funder
First Option Mortgage
02.2011 - 05.2013
DE Underwriter
First Option Mortgage
03.2009 - 02.2011
Loan Processing Department Manager
Primary Residential Mortgage
05.2005 - 05.2006
Licensed Sales Associate
Coldwell Banker Gundaker
02.2005 - 12.2007
Communications
Southeast Missouri State University