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Kathy Damours
Summary of Qualifications* For the past nineteen years,
gainfully employed in all facets of financial, real estate, and
mortgage operations* Proven track record with banks and credit
unions in underwriting, both manualand automated, loan processing,
originating, appraisal reviews and auditing of FHA, VA, and
Conventional loan files* Submit loan through LP, DU or DO and
understanding knowledge of findings* Timely communicate
underwriting decision to borrower and other parties of interest*
Effective handling of a pipeline consisting of 65+ loans per month*
Experience with small business start up and operation* Furthermore,
management and operations assistant experience with an emphasis on
supervising the day to day functions of a branch of a Credit Union
in the Alaska financial market.
Work of Experience
Sr. Mortgage Loan ProcessorCapital One, Plano, TX (Contract
Work)07/2009-09/2009* Responsible for all aspects of
consumer/mortgage processing of Home Equity Lin
es of Credit, Home Equity Term Loans,* Review application,
verify complete, and obtain any missing information* Accurately
figure income from a variety of income documents including tax
returns* Accurately figure mortgage calculations (debt ratio,
loan-to-value)* Order and evaluate credit report* Submit loan
through LP, DU or DO and understanding knowledge of findings*
Submit file for underwriting approval* Order and review Title
Commitment, survey, flood certification and appraisal* Timely
communicate underwriting decision to borrower and other parties of
interest* Strong emphasis on excellent customer service on all
aspects of the loan process from beginning to end.
* Effective handling of a pipeline consisting of 65+ loans per
month
Sr. Mortgage Loan ProcessorCU Members Mortgage, Dallas,
TX-(Contract Work)03/2009-06/2009* Process FHA, VA, Conventional,
2ndLiens, Jumbo, Home Equity loans* Review application, verify
complete, and obtain any missing information* Accurately figure
income from a variety of income documents including tax returns*
Accurately figure mortgage calculations (debt ratio,
loan-to-value)* Order and evaluate credit report* Submit loan
through LP, DU or DO and understanding knowledge of findings
* Submit file for underwriting approval /also performed manual
and automated underwriting of loan files.* Order and review Title
Commitment, survey, flood certification and appraisal* Timely
communicate underwriting decision to borrower and other parties of
interest* Coordinate with borrower and all parties of interest the
closing date, time and place* Ensure loan closed and funded*
Resolution of any post closing issues* Effective handling of a
pipeline consisting of 65+ loans per month
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Sr. Mortgage Loan ProcessorCountrywide, Dallas, TX (Contract
Work)02/2009-03/2009* Responsible for all aspects of mortgage loan
processing, including processing,closing, post closing, and DU,
LP,CLUES and manual underwriting of the loan file.* Loan types
included FHA, VA and Conventional loans.* Strong emphasis on
excellent customer service on all aspects of the loan process from
beginning to end.
Sr. Mortgage Loan ProcessorWells Fargo, Bedford, TX (Contract
Work)12/2008-02/2009* Responsible for all aspects of mortgage loan
processing, including processing,closing, post closing, and DU, LP
and manual underwriting of the loan file.* Loan types included FHA,
VA and Conventional loans.* Strong emphasis on excellent customer
service on all aspects of the loan process from beginning to
end.
Collections AgentBank of America, Dallas Texas (Contract
Work)10/2008-12/2008
* Responsible for calling customers who were in the 30 to 60 day
delinquent status to help set up payment arrangements regarding
their accounts with Bank of America and MBNA.
Mortgage Loan OfficerSpirit of Alaska FCU, Fairbanks,
AK03/2008-09/2008* Responsible for all aspects of mortgage loan
processing, including originating, processing, closing, post
closing, auditing, and underwriting, manual and automated.* Loan
types included FHA, VA, and Conventional loans* Strong emphasis on
excellent customer service through all steps of the loan process
from the beginning to the end
Sr. Mortgage Loan Processor/MANUAL -AUS Underwriter/Mortgage
Loan OfficerAlaska USA Mortgage Company, Fairbanks,
AK07/2005-03/2008* Processed FHA, VA, Conventional, Rural
Development and AHFC loans from application to completion.
Underwriting of Conventional loans, FNMA and FHLMC, and
VAStreamline Refinances.* Met with customers to review mortgage
loan applications.* Ordered appraisals, preliminary title reports,
and submitted packages to underwriting for approval.* Underwrote
files daily and clearing conditions on re-submitted files as they
came across my desk each day.* Audited files for clearing of
conditions for files being sold to FNMA and FHLM
C and I did the same for the VA insured files.* Strong emphasis
on daily Excel spreadsheet reports as well as excellent customer
service maintained at all times.
Franchise OwnerCandy Bouquet, Fairbanks, AK07/2004-07/2005*
Acquisition and set up of Candy Bouquet franchise. Management of
day to day aspects of retail business* Purchased and assembled
products for sale, as well as delivery of merchandise.
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* Implemented and oversaw advertising campaigns with a strong
emphasis on excellent customer service* Hired and supervised
employees, maintained accounting/payroll.* Took one year leave of
absence to gain the experience of starting a small business from
the ground up* Returned to Alaska USA Mortgage Company as the
Senior Mortgage Loan Processor/MANUAL-AUS Underwriter once leave of
absence was over
Originator/Sr. Mortgage Loan Processor/MANUAL-AUS
UnderwriterAlaska USA Mortgage Company, Fairbanks, AK05/1995
-07/2004* Strong emphasis on customer service through the entire
loan and underwriting process (including appraisals and titling)*
Originated documents for every loan type* Pre-qualified customers
on FHA, VA, Conventional, Rural Development, and AHFCloans
EducationMBA Courses:
Processing Conventional Loans, Processing Government Loans,
Understanding of Appraisal Review, Advanced Fundamentals of
Appraisal Review, Self Employed Borrower, Understanding LP
Findings, and Understanding of DU Findings.
