DawnHResume2015

Dawn Katherine Highsmith

512-986-3561 – [email protected]

OBJECTIVE

Seeking a career in the Mortgage Industry as a Sr Mortgage Loan Processor, LOA, Jr. Underwriter or Compliance Auditor.

ACHIEVEMENTS AND ABILITIES ● Strong leadership abilities and able to manage teams or individuals building their strengths and

confidence to do their jobs through patience, training abilities, knowledge base and a team attitude. My favorite quote and motto to work by was written by Henry Ford “Coming together is a beginning, staying together is progress, working together is success”. I have lived by this motto on each journey I travel in the mortgage industry.

• Builder account processor, LOA and MLO closing 20 - 35 loans per month with one assistant. Processor of the year award 2011, 2012.

● Successfully processed some of the most challenging loans (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories) with a strong ability to structure or re-structure a loan to become a closed loan and not a declined loan

● Very successful in assisting MLO’s attain their goals through my knowledge of the industry, my customer service abilities, and total understanding of what my MLO is going through on each and every loan.

EMPLOYMENT RECORD

Titanium Construction and Development Company 05/2015 – 12/2015

• Managed day to day to operations from my home in Texas for a large commercial construction company for 5 large construction projects in ND.

Security National Mortgage Services since 02/2015 – 05/10/15 Credit Analyst III

• Responsibilities included pre-underwriting every type of mortgage loan files, performing income analysis, credit, and assets and processing the loan through to closing. Assessed the loan and restructured if needed to ensure the loan qualified for the loan type disclosed. Restructured declined loans based on analysis, ran compliance checks, disclosed, re-disclosed and verified compliance on each loan. Solved compliance issues as they came up based on the loan program disclosed.

Supreme Lending Group -06/2014 - 11/04/2014 - Lead Loan Coordinator, Compliance Manager

• Responsibilities included pre-underwriting every type of mortgage loan files, performing income analysis, credit, and assets. Assessed the loan and restructured if needed to ensure the loan qualified for the loan type disclosed. Restructured declined loans based on analysis, ran compliance checks, disclosed, re-disclosed and verified compliance on each loan. Solved compliance issues as they came up based on the loan program disclosed. Trained MLO’s and Coordinators on company procedures and pipeline management



MTH Lending Group -03/2011 04/2013 – Processor/LOA for the Meritage Homes Builder account. Branch consistently closed over 3 million in loans per month

• Mortgage Loan Originator for Meritage Homes – 04/13 through 05/2014 – Mortgage Loan Originator – switched over from processor to second loan originator for this account taking on 6 of the 14 subdivisions that Meritage Homes had and effectively closing on my own at or over 1.8 million per month. Promoted to branch manager and compliance specialist in year 4. Met or exceeded all team goals for the company

Fairway Independent Mortgage Corp - 06/2010 - 03/2011 - Loan Officer Assistant/Lead Processor/Loan Officer

• Prepared and processed mortgage loan files from application through approval; assured compliance and met all loan guidelines and investor overlays, set high standards in customer service; communicated status internally and externally to respond to inquiries and resolve problems and obtained all necessary documentation required for the files.

• Served as a Lead in the Mortgage Processing area, providing guidance and leadership to a team of 3 processors, high producing loan officers and set-up coordinators and reception.

IHS Mortgage, LLC - 06/2008 - 06/2010 – Mortgage Loan Originator

• Develop Business Referral Network through marketing, cold-calling, prospecting and networking activities. Participated in community efforts to promote home ownership. Met with prospective borrowers. Reviewed / Analyzed credit and financial data. Determined borrower financing objectives and goals. Collected supporting loan documentation as required and provide complete package to Mortgage Loan Coordinator/Processor

Mortgages US, LLC - 03/2006 - 06/2008 - Mortgage Loan Officer/ Mortgage Broker

• Develop Business Referral Network through marketing, cold-calling, prospecting and networking activities. Participated in community efforts to promote home ownership. Meet with prospective borrowers. Reviewed / Analyzed credit and financial data. Determined borrower financing objectives and goals. Collected supporting loan documentation as required and provide complete package to Mortgage Loan Coordinator/Processor. Broker for 7 loan originators. Ensured all loan officers were in compliance with State Agencies, scoring 100% on Audits performed by Texas Savings and Loan Dept.

END NOTES I began my career in the mortgage industry by working for Wholesale Lenders from 1992 through December 1999. I worked for Hamilton Financial, Empire Funding and Countrywide Home Loans in various positions including being the youngest female employee to become a Vice President for their Secondary Correspondent Lending Program. I switched to retail in January 2000, became a loan officer and then within 1 year I obtained my broker’s license and opened a branch of American Home Front Mortgage in Marble Falls, TX. I owned this company for 5 years before deciding to move back to Austin to seek employment as a MLO. This begins with my time with Mortgages US, LLC. Above.



EDUCATION/SKILLS

High school Diploma, Business Administration Certificate, All mortgage compliance certificates, broker license for 5 years, licensed loan officer for 15 yrs. (Note: I have placed my MLO license on hold for the time being)

All core real estate classes, income analysis, processing 101

TECHNICAL SKILLS:

• Microsoft Office, Word, Excel & PowerPoint, Microsoft Outlook • Mortgage Dashboard, Encompass, Calyx • DU and LP, VA Portal, FHA Connection, USDA-GUS, EHousing

REFERENCES:

Jana Merchant – MLO – Supreme Lending – 512-870-7607

Isabel Wesley – Senior Loan Processer – Amcap Mortgage - 512-653-5626

Denna Garner – Set up Manager – United Lending Group – 512-300-7026

Brenda Maissano – Account Specialist – Titanium Builders, LLC – 602-769-0822

George Schmitt – Owner, Ti22 Construction Co – 361-500-5005

DawnHResume2015

Real Estate

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