COLETTE M.

HAYS
713 Spring Ridge Ct - Kennesaw, GA 30144
Cell: (404) 805-4673 ?
SUMMARY
Results-driven mortgage professional with extensive experience in consumer mortg
age operations including underwriting and processing. Exceptional market vision
providing strong, decisive leadership to increase productivity while balancing r
isk. Offers an earned reputation for professionalism with expertise in:
? Team Building/Coaching with sales representatives
? Underwriting/FHA and VA
? Business Development/Relationship Building
EXPERIENCE
FLAGSTAR BANK, FSB Atlanta, GA Aug/2008-present
Sr. Government Assistant Underwriter
Responsible for conducting the conditional review and approval of all purchase,
refinance, and streamline FHA/VA products for the wholesale lending division. Pr
imary liaison between internal and external customer.
* Designated account assistant for largest wholesale lender for bank
* Conditionally approves 12+ loan files per day including review of income, ass
ets, and appraisals
* Consistently exceeds production goals and have been ranked #2 assistant withi
n the southeast region 3 months in a row for past quarter
* Support all account executives and responsible for primary communication of s
tatus of loan files, changes to guidelines and policy and procedures
Sales Assistant - Wholesale Lending March/2007-Aug/2008
Responsible for training new and existing wholesale broker accounts on FHA and V
A process through the automated underwriting system. In addition provided contin
uing education for Account Executives on FHA and VA mortgage products.
? Strengthened internal and external relationships by assisting Account Executiv
es with "on site"
training sessions on FHA products and processes. This allowed application volum
e to increase by
% and improved quality of submission packages
? Based on review of application packages and daily questions from internal and
external
customers, created and implemented a "What is FHA" manual for supporting region
and was
asked to distribute to another region based on quality of manual
? Worked as liaison for our external customers to support all questions on HUD,
FHA, and VA
questions. This included questions on Calyx, Encompass, Loantrac, and all web b
ased training
classes offered by Flagstar - included import of loans into system
? Supported training initiatives for the region for all new Account Executives
? Was awarded "Wall of Fame" with our corporate office based on my outstanding c
ustomer
support and initiative with training efforts
? Consistently analyzed customers mortgage needs to recommend correct product an
d program
SKYSTONE MORTGAGE INC. Atlanta, GA 2006-2007
Executive Loan Coordinator
Hired to support and process all loans for the President and Vice President of t
he company to include employee loans. In charge of recruiting and signing all in
vestors..
? Processed and submitted investor packages for prime, sub prime and broker/corr
espondent loans.
This consisted of #2-5 investor loan packages per month.
? Responsible for pre-underwriting mortgage loans and preparing package to be
underwritten. This included calculating income, ordering appraisal and title an
d was
primary contact for direct customer through entire loan process.
AMERICAN FREEDOM MORTGAGE Atlanta, GA 2005-2006
Executive Loan Coordinator
Worked directly with President and executive management of the company to proces
s all mortgage loans originated through them. .
? Was assigned all new leads to be the initial contact with the customer and com
plete loan
application to submit to investor for prequalification of mortgage product
? Supported all executive and corporate loans from beginning of process to clos
ing. This included
calculating income, pre-underwriting file, submitted for approval, closing and
post closing of loan
? Based on support of executive management, responsible for processing all empl
oyee loan
HOMESTEAD FUNDING CORPORATION Albany, New York 2001-2005
Loan Originator
Originated and processed FHA, VA, Conforming, and Alternative mortgage loan prod
ucts for purchase and refinance transactions based on inbound leads.
? Originated and funded #10-15 mortgage loans per month which met company stand
ard of #5
? As well as originating mortgage loan products, was responsible for processing
, creating loan
packages and closing all loans
? Audited post loan packages for completeness and accuracy and prepared all wir
e transfers for
final closing
ALBANY MARRIOTT HOTEL, Albany New York 1997-2001
Executive Meeting Manager
Was promoted to this position from Administrative Assistant position. Responsibl
e for promoting the hotel for catered events with customer and to ensure that al
l customer expectations were met.
? Responsible for reserving banquet rooms/overnight rooms for event groups and i
n charge of booking all entertainment groups (popular bands) playing at local ve
nues
? Awarded the highest level award of "Reach for the Extreme" for exceeding depa
rtments quarterly
goals and received several recognition letters by customers for exceeding their
customer expectations
ADDITIONAL EXPERIENCE/TRAINING
? Coordinated VA training through the Atlanta Department of Veterans Affairs Off
ice for
on-site training with the Atlanta Sales Team
? Worked closely with Atlanta Department of Veterans Affairs Office in Atlanta t
o
enhance my knowledge in VA Underwriting and Guidelines
? Attended "The ABC's of FHA Lending" with Chip Cummings
COMPUTER SKILLS
Microsoft Word, Excel, Citrix, Encompass, Loantrac, AUS Systems, DOCMAGIC,IDM, M
ortrac, FHA Connection , Work from Home, Paperless System