Azure Reid

Experience

• 

  Bank of America

  Nov 2012 - Jan 2014

  Mortgage Processor

  Responsible for inspecting all incoming documentation such as pay stubs, bank statements, tax returns, appraisals. Etc from application process until loan closes. Providing legendary customer service experience to borrowers on a daily basis. Interact with Loan Officers as well as Underwriters on day to day basis with loan documentations. Maintain a high level of customer service by being proactive in communicating with customers, realtors, and loan officers. Also responsible for processing loans approved by an underwriter or an automated decisioning within designated signing authority limits. Show less

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  TD Bank NA

  Jun 2014 - Sept 2017

  Loan Processor II

  Assist customers with Residential loans, HELOCS, Personal Loans. Etc. Interact with other processors Underwriters, and Loan Officers with updates,declines and denials. Always strive to provide legendary customer service to each and every customer I interact with.

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  Discover Financial Services

  Sept 2017 - Mar 2020

  Underwriter

  Review loan submissions to ensure company guidelines are met and evaluate loans to maximize company profits and minimize risk exposure by evaluating the credit worthiness of applicants through a comprehensive analysis of the credit report.• Analyze borrower’s income including self-employed and other business income sources by evaluating tax returns to include 1120’s, 1065’s, K-1’s, financial statements, asset statements and bank statements.• Calculate Debt to Income ratio, Loan to Value and Combined Loan to Value. Also examine property appraisals to ensure appraisal vendors used proper guidelines.• Review and approve title and flood reports. Review and assess whether documentation provided meets investor requirements and identify which loans conform to certain investor guidelines in preparation for a secondary market sale if the loan is not retained for servicing.• Approve home equity loan applications within lending authority by thoroughly documenting rationale and compensating factors regarding the final loan decision. Leverage knowledge of loan products to restructure applications recommended for decline to subsequent approvals.• Assist in the training and mentoring of new Home Equity Team Underwriting team hires. Review new team members’ underwriting decisions for accuracy and compliance. Key achievements:• Recipient of Discover Home Equity Elite Award for top performing Underwriter in the 1st quarter 2018• Assisted in the development and implementation of the process improvement initiative that reduced loan application processing time by 52%, which has in turn allowed an increase of 30% in funded loans year to date. Show less

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  Radian Guaranty Inc.

  Mar 2020 - now

  Quality Control Underwriter

  Monitor the quality of Radian’s portfolio of insured loans by conducting an audit of loan files to ensure underwriter compliance with Radian guidelines and rate schedules, identify lender manufacturing issues and communicate results to assist lenders remediate issues and improve loan quality going forward. Evaluate lender remedy claim requests to ensure all funds paid are eligible under the terms of the Lender Underwriting Review Agreement. Quality Assurance executes to its documented process which sets forth standards for sampling, types of audits, audit review processes and severity levels of findings. Primary Duties and Responsibilities•Re-underwrite performing non-delegated loan files for compliance with Radian guidelines.•Review and process Remedy Claims requests.•Communicate QA audit and Remedy Claims results to Lender.•Assist in database uploads and file requests.•Assist with special projects as needed.•Other related duties as assigned. Show less