Anne James has over 30 years of experience in the mortgage industry. She is currently a Loss Mitigation Specialist at United Guaranty where she reviews mortgage insurance claims and assists with special projects. Prior to this, she held various underwriting and loan officer roles at several large banks and mortgage companies. She has extensive experience underwriting conventional, FHA, VA, and private investor loans. Anne has strong communication, problem-solving, and training skills and has consistently met production and quality goals in her career.

1. 9934 Saw Mill Road Charlotte, NC 28788 704-576-4101 mobile anniejames@aol.com
Anne O. James
Work Experience 2010-Present United Guaranty Greensboro, NC
Loss Mitigation Specialist
Responsibilities include rendering a final decision on Mortgage Insurance claims based on a thorough
review of the lender’s guidelines for various investors as well as United Guaranty’s guidelines. Assist with
special projects as needed including investigations. Insure production goals and quality expectations are
met.
2007-2010 Bank of America Charlotte, NCr)
Contract Underwriter
Underwrite loans which require manual underwrite due to guideline exceptions and complexity of loan. Strong
communication skills required to insure that processing and the loan officer both understand the loan
decision and resulting conditions.
Loan Officer
Development of alliance relationships with realtors, builders and professional contacts
Time management skills required to make sales calls and maintain timely management of pipeline
Presentation of products and procedures to realtors and builders.
Thorough knowledge of all products including FHA, VA, Community Commitment, DAP programs and Bond
Programs required to compete in current market.
2006 - 2007 Bridgewater Capital, Inc. Charlotte, NC
Loan Officer
Developed referral contacts including realtors, developers, and personal contacts
Assisted borrowers through the home buying process utilizing my extensive background in the mortgage
industry
Ensured timely approvals and loan closings by coordinating with lenders and attorneys
Maintained a thorough knowledge of available loan products and procedures related to processing and
underwriting
2001 - 2006 Wells Fargo Home Mortgage Charlotte, NC
Underwriting Manager
Managed a staff of 60 underwriters and support personnel along with three satellite locations.
Maintained a customer satisfaction level of 95%
Responsible for the recruitment, hiring, performance evaluation and compensation for staff.
Responsible for maintaining proper compliance guidelines for the operations center.
Point person for resolving monthly audits.
Increased output of operation center from $2 million to over $200 million per month
2000-2001 First Star (US Bank) Paducah, KY
Senior Underwriter
Underwrote mortgage loans and appraisals in compliance with FHA, VA, and conventional loan standards
Resolved problems with loan files by coordinating the efforts of sales staff and processors
Assisted Underwriting Manager in training of newly hired processors and sales staff
1995-2001 GE Capital Mortgage Insurance Charlotte, NC
Contract Underwriter
Successfully established the first expansion branch for compliance underwriting
Audited the loans for all off-site underwriters in region and compiled the accompanying reports
Trained compliance underwriters and conducted training seminars on appraisal review and loan document
review
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2. Compliance and MI underwriter for various investors
Responsible for the flow of new information and guidelines to underwriting staff
1993-1995 Barclays American Mortgage Corp. Charlotte, NC
Senior Underwriter-FHA Direct Endorsement
Analyzed credit and property values of conventional, FHA, VA, and private investors' loans
Assured sound underwriting decisions were made to ensure secondary marketability by keeping abreast of
current product knowledge and investor guidelines
Ensured timely communications with internal departments to resolve discrepancies and meet approval
conditions
1987-1993 First Union National Bank/Wachovia Charlotte, NC
Mortgage Loan Officer
Underwrote mortgage loans for branch offices, working with branch personnel on the completion of these
files and resolution of problems
Trained underwriters and mortgage loan specialists
Responsible for the review of other underwriters' files
Acquired a thorough knowledge of detail and effective communication skills
Member of a team selected to do "diligence" work for the bank in determining possible acquisition of other
financial institutions
1983-1987 CK Federal Savings and Loan/SouthTrust/Wachovia Concord, NC
Loan Closing Coordinator
Originated loans, prepared closing documents, executed the loan closing with borrowers, disbursed loan
proceeds, and reviewed title report
Reviewed and corrected all processed data pertaining to the borrower and presented the loan to loan
committee for final approval
Conducted computer training of loan officers and loan closers in other branches
Compiled totals of all loans in pipeline, prepared reports, and presented this information to management
weekly
Education 1980-1982 UNCC Charlotte, NC
Bachelor of Arts in Business Administration
Graduated with Honors
1977-1978 King's College Charlotte, NC
Degree in Retail Merchandising and Design
1975-1977 Peace College Raleigh, NC
Associate of Arts in Liberal Arts
Additional Training
• Licensed Loan Officer in NC Licensed SC Insurance Adjustor
• Management Skills, Manager as a Developer - First Union National Bank
References furnished upon request.
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