MARITA A.

BRADDY Beltsville, MD Cell: (301) 370-8754

email: mb1377c3e@westpost.net

SUMMARY OF QUALIFICATIONS * Over ten years mortgage experience as a Direct Endorsement (DE) and Certified VA/Lapp Underwriter as well as a Conventional Underwriter. * Background in management and staff training, audit and compliance with excelle nt problem solving methods. * Experience encompasses thorough understanding of mortgage underwriting, loan p rocessing and origination guidelines and procedures, constantly keeping abreast of new guidelines issued by FHA. * Comprehensive understanding of Department of Housing Urban Development, Depart ment of Veteran Affairs, Fannie Mae, Freddie Mac and state compliance/guidelines . * Active Chums ID number.

EDUCATION: BS: University of Delaware - Marketing

FEDERAL HOUSING MORTGAGE LOAN CORP. (FREDDIE MAC), McLean, VA 5/10 - 10/10 Lender Modification Reconciliation Analyst (contractor) * Processed, reconciled and settled daily a minimum of 56 to 62 Freddie Mac's ap proved lenders loan modification mortgage documents in compliance with Freddie M acs default management guidelines * Reviewed mortgage worksheets for accuracy on interest rates, terms principal b alances and determinability of actual amounts capitalized on the home affordable mortgage program or traditional modification program. * Evaluated and balanced calculations through the use of Freddie Mac's WP2 porta l software. * Created excel spreadsheet functions for lenders to help meet deadline cycle pe riods * Determined accurate calculation of capitalized figures and unpaid principal ba lance provided by lenders prior to lender receipt of premium * Conducted and trained on in house audit and compliance issues WELLS FARGO, Columbia, MD 7/09 - 5/10 Loss Mitigation Negotiator Analyst (contractor) * Reviewed and decision delegated and non delegated loss mitigation default mort gage loans for potential government home affordable mortgage program (HAMP), tra ditional Modification and Repayment Plans loan base on Freddie Mac guidelines. ATLANTIC COAST MORTGAGE GROUP, INC., Calverton, MD Loan Processor (2000-2006) 8/00 - 7/09

* Processed and verified 40-50 loans monthly for potential borrower's mortgage r equest. * Evaluated mortgage documents in compliance under Conventional, 203k, FHA and V A residential loans programs. * Utilized Loan Prospector (LP) and Desktop Underwriter (DU) software resolution to determine acceptability of mortgage loan. * Coordinated and requested FHA/ VA case number and CAIVRS number request.

* Determined eligibility of CAIVRS, LPA and GSA request result upon a thorough e xamination process.

MARITA A. BRADDY

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Branch Manager of Operations/DE Underwriter

2006 - 2009

* Underwritten, analyzed and decision one to four family loan request for Conven tional, FHA and VA mortgage residential loans using LP, DU system and AUS system . * Maintained acceptable credit standards and reviewed all required documentation for accuracy and authenticity. * Documented and communicated credit decisions in conjunction with identifying l oans that are non-saleable. * Provided in house weekly training to Loan Officers and Loan Processor on the u nderstanding of mortgage Industry including FHA/VA/Fannie Mae/Freddie Mac guidel ines. * Implemented Company Policy/Procedure Accountability. * Created Training Manual for Loan Officers as tool to understand the Lender/Bro ker Mortgage Industry. * Provided production related products to drive quality and efficiency. * Responsible for a staff of 10 employees and 15 Loan Officers. MORTGAGE AND EQUITY FUNDING, Gaithersburg, MD Sr. Mortgage Loan Processor 6/98 - 6/00

* Processed, reviewed and verified potential mortgagor loan for accuracy based o n Conventional, FHA and VA Residential Mortgage guidelines

AFFILIATIONS * Member of MAMB/NAMB

SKILLS * Proficient Mortgage Software Usage in Calyx Point/Contour, Excel Software, DU/ LP, AUS, HAMP and Freddie Mac Workout Prospector.