Natalie Reed has over 15 years of experience as a mortgage loan processor and underwriter. She has processed FHA, VA, and conventional loans and is knowledgeable in Fannie Mae, Freddie Mac, and FNMA guidelines. She is seeking a position as a mortgage junior underwriter or loan processor where she can use her skills in a high-pressure environment working with high producing brokers.

1. NATALIE R. REED
(HOME) 972-530-5448
(CELL) 214-869-0176
(EMAIL) NRPIPKIN1@GMAIL.COM
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OBJECTIVE
Knowledgeable and efficient Mortgage Junior Underwriter/Loan Processor with over 15 years’ experience in
processing FHA,VA and conventional mortgage loans to a closed position. Worked exceptionally well with
high producing brokers and account executive with pipelines ranging from $17 to $20 million per month of
being Top Producer of their assigned areas.
EDUCATION
Dallas Christian College, Dallas, Texas
• Practical Ministry/Business
Texas State University, San Marcos, Texas
• Elementary Education
CORE QUALIFICATIONS
• Certified Mortgage Junior Underwriter
• Work well in a high pressure environment
• FNMA, FHA, and VA Knowledge
• Fannie Mae Desktop Underwriting Knowledge
• Freddie Mac Loan Prospector Knowledge
• Basic Accounting Principals
• MS Office Efficient
PROFESSIONAL EXPERIENCE
AGILITY 360, Carrollton, Texas 2015-2015
Pre-Purchase Reviewer
 Review closed loan mortgage files of a pipeline of 25-30 per day to ensure all required documentation, meets
acceptable regulatory standards, and complies with lender’s established guidelines and FHA HUD guidelines.
 Decision loan for purchase using automated underwriting systems; Fannie Mae Desktop Underwriting and
Freddie Mac Loan Prospector as well as FHA and VA guidelines and policies.
 Exam all loan documents and collateral files againstestablished procedures, consistency and compliance
 Process loans with conditions to underwriting and servicing to complete the loan for purchase
 Achieve a specific goal of 10-15 files per day related to quality and productivity
APPLEONE EMPLOYMENT SERVICE, Plano, Texas 2015-2015
American Flood Research, Plano, Texas
Insurance Analyst-Contractor
 Analyze mortgage homeowners and flood insurancepolicies for proper coverage, renewal dates and mortgagee
clause for over 80 plus banks and credit unions
 Responsible for creating and distributing a daily report to banks and credit unions to ensure proper policies are in
place on their mortgage collaterals
 Monitor and report all policies that are up for renewal and/or escrowed for payment
 Scan all daily mail and correspondence as well as input key elements of the policies into Elite Scan
 Update new and renewed policy information into Dashboard System
 Provide customer service of incoming calls to gather necessary information required to update existing or new
policies

2. DISYS CORPORATION, Irving, Texas 2009-2011
Fannie Mae, Dallas, Texas
Valuation Operations Specialist-Contractor
• Obtained independent values on REO properties to support valuation, listing, and accounting processes.
• Resolved exceptions to the automated order placement and receipt process as well as vendor payment
transactions utilizing internal and external using Appraisal Port and TRAX.
• Analyzed issues to find potential solutions and make decisions that will best mitigate losses to Fannie Mae.
• Acted as a liaison between Fannie Mae and the valuation vendors. This includes training, coaching, tracking, and
issue resolution for individual appraisers, conduit vendors, and BPO management companies.
• Actively manage vendor portfolio volume of 60 plus per day to minimize turn times while maintaining high
quality products.
• Identified process issues and recommended improvements.
• Recommended, defined, tested, and implemented system enhancements to create process efficiencies.
WORKWAY STAFFING, Richardson, Texas 2009-2009
Resolve Financial, Irving, Texas
Loan Processor-Contractor
• Outperformed company average in achieving loan-processing turn-around time of 12 days or less (compared to
typical 15 to 20 days)
• Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies
to ensure smooth closings.
• Performed detail review of customer documents to determine income.
• Reviewed substantiated loan documents, including title insurance, appraisal,credit and income prior to closing
• Analyzed customer expenses vs. income to ensure customer’s ability to qualify for loan
• Examined loan documentation to ensure accuracy and completeness.
• Ensured loan counselors communicate to customers of any information needing to be obtained to modify loan.
• Informed the lender of final decision.
AURORA LOAN SERVICES, Richardson, Texas 2004-2008
A Lehman Brothers Company
Mortgage Junior Underwriter
• Proactively managed the #1 producing account executive pipeline of 20-25 loans per month approved loans to
closing within 24-48 hours
• Evaluated FHA, VA, and conventional loans decisioned by DU/LP underwriting as well as through credit depth
(FICO scores) along with Fannie Mae and Freddie Mac guidelines to determine credit worthiness though
CENTRIX.
• Analyzed and reviewed pertinent documentation to decision loans, initial application, credit reports, income
documentation, IRA’S, bank statements, trust documentation, tax returns, title, and appraisals.
• Performed detailed income and asset calculations to determine customer’s ability to repay loan.
• Reviewed loan-to-value ratio, credit reports and applications to ensure that each loan met Company
underwriting standards.
• Examined overall Loan Documentation to ensure accuracy and completeness.
• Turned loan decisions around that exceeded company requirements by 24 hours.
• Analyzed appraisals to ensure value of property.
• Identified and reported fraud using Applntell system.
• Demonstrated exceptional interpersonal skills with the ability to maintain effective working relationships with all
levels of the Aurora.
• Knowledge of Pronto, FHA Connection, VA Portal, and various mortgage Insurance systems.

3. CHASE HOME FINANCE, Irving, Texas 2002-2004
Loan Closing Coordinator
• Proactively managed the #1 producing account executive pipeline of 25-30 loans per month approved loans to
closing within 24-48 hours
• Facilitated the final decision process by proactively managing an assigned pipeline of preliminary approved
loans to final decisions for assigned territory.
• Facilitated final decision of all loans prior approved by received and analyzed underwriting conditions such as
pay stubs, bank statements, title work and appraisals using Fannie Mae and Freddie Mac guidelines.
• Answered questions related to loan status and loan programs for Brokers and Account Executives.
• Performed verbal verifications of employment when needed and also performed the required data entry into
ACAPS around the receipt, analyzation, and status of mortgage documents.
• Informed the Broker of final loan decision and any closing conditions.
• Acquired in-depth knowledge of FHA, VA and Conventional guidelines.
TECHNICALSKILLS
Elite Scan Valuation Dashboard CENTRIX Appraisal Port
Applntell DPI CADENCE MS OFFICE