1. Marie Lambert
Email: Marielambert57@yahoo.com Phone: (404) 578-0563
OBJECTIVE
31 years of a Mortgage industry experience with a solid 14 years in Senior Underwriting.
Business oriented, hardworking professional that works well under timelines, and fast paced
environments while maintaining a high standard of customer service and accuracy.
SKILLS:
 14 years of Manual Front line and Underwriting Auditing
 TRID, ATR/QM knowledge and experience
 Extensive involvement with Non-conforming (sub-prime/Alt-A) and Conforming loan products
 Highly experienced in Fraud Review, misrepresentation and exceptionally knowledgeable with
Fannie Mae and Freddie Mac guidelines & regulations.
 Advanced knowledge of DU, LP, or any AU findings (Clues, Disco)
 Consistentlyawarded for being a high producer with the highestamount of accuracy.
 Multi-tasked and Self-Motivated and Dedicated
 Superior analytical, verbal, and written, skills.
EXPERIENCE - Additional experience provided upon request
4/26/2010 TO 4/1/2016 FANNIE MAE Atlanta, GA
SENIOR UNDERWRITING STDS SPC II:
 Analyzed loans for quality assurance,misrepresentation and risk,reported on loan quality issues
and potential fraud if applicable and ensured compliance with updated TRID regulations .
 Analyzed credit documents,mortgage applications, interpret and analyze loan applicants’
credit histories, income and asset profiles, tax returns, financial statements, and other
complex financial information to ensure the loan was eligible for Fannie Mae
acquisition.
 Recommended changes and monitored corrective actions
 Reviewed and managed repurchases.Ensured compliance with FNMA guidelines
 Identified significantfindings resulting from issues with the originator’s underlying business
practices, underwriting and/or fraud exposure. Adhere to all client/lender policies and
procedures.
5/15/2009 TO 4/16/2010 WELLS FARGO HOME MORTGAGE Billings,MT
FRONTLINE UNDERWRITER (CONTRACT)
 Review, interpret and analyze loan applicants’ credit histories,income and assetprofiles, tax
returns, financial statements,and other complex financial information to make quality decisions
on loan requests.
 Utilize in-depth knowledge of requirements for underwriting conventional loans to review loan
files and mitigate risk for the company.
 Underwriting of loans to insure turnaround time is within company standards.
 Ensured documents were consistentand upheld to company and industry guidelines
 Provide customer service to internal and external customers in accordance with levels and
expectations consistentwith Companystandards.

2. 8/15/2005 TO 12/15/2008 WATTERSON PRIME Atlanta, GA
SENIOR FRONTLINE UNDERWRITER (CONTRACT)
 Providing a thorough evaluation of credit and property documents in loan files,identify potential
risks,and advise as to the appropriate decision of the file as it relates to approving, declining or
suspending the loan based upon FNMA/FHLMC and investor underwriting guidelines.
 Analyze income and employmentdetail of the borrower to determine the ability of the borrower
to repay the mortgage loan.
 Review the borrower’s credit report and credit rating to determine the ability of the borrower to
repay the loan after analyzing the borrower’s prior payment history.
 Review all conditions of the loan approval and ensure all conditions are satisfied prior to
submitting the loan to the closing.
5/15/2004 TO 9/15/2006 BOHAN GROUP Irvine, CA
SENIOR UNDERWRITER
 Reviewed, examined and underwriting loans to ensure soundness,business value and
compliance with company and investor standards
 Review mortgage loan submission,income and assetdocumentation,credit reports and other
documentation and verify accuracy of documents submitted.
 Evaluated data to ascertain loan viability and identify risk issues and potential fraud
 Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other
factors
 Determined and documented loan conditions and communicated requirements and/or decisions
 Identified and recommended alternatives regarding loan-structuring and financial solutions
 Regularly exercised discretion and independentjudgmentin addressing critical business matters
that have a significant financial impact
EDUCATION
SOUTH HIGH SCHOOL
MORTGAGE PROFESSIONALSERVICES
• CAMS - certified anti-money laundering s pecialist - certification in progress
• Received certificate of completion,Analysis of income and Tax return for Self-
employed borrower and Loan officer certification-licensed in MN
• Certified with TRIAD in 2006
• Currently taking course with ACFE: Investigating Money Laundering
ADDITIONAL EXPERIENCE PROVIDED UPON REQUEST