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Tamara (Tammy) Nelson

206-915-2754 (wireless)/ (email)

Subject matter expert with over 25 years experience as a mortgage underwriter and trainer. Certified as FHA DE (CHUMS #C417) and VA LAPP (SAR #010611). NMLS #507028. Well versed in FNMA, FHLMC, USDA, and Jumbo products; manual underwriting and AUS review and validation. Presents a positive attitude and demeanor while working smarter, not harder. A potent combination that provides a company with the tools needed to see loan growth, maintain customer loyalty, and achieve mutual satisfaction for employer and employee.

Career Experience and Achievements

Operations Increased retention of client business from 5% to 95% via consistent loan analysis and status notification Obtained VA SAR and Automatic Approval while training staff in FHA/VA loans Obtained HUD certification as DE UW in 1.5 years vs. standard 3 years Reduced turn time for decision review on loans from 72 to 24 hours via process improvement Received a Gold Global Recognition award for highest underwriting production Exceeded quality control standards with high quality loans having no audit defects for 3 consecutive audits

Training Cross trained colleagues in digital review and analysis of loan packages via new loan operations software system Trained and developed staff in the Northwest region for large bank Created and delivered training seminars on new products to clients Designed and implemented FHA training classes to colleagues and clients

Core Skills
Accurate analysis and calculations (passed NMLS test with 90%) Knowledgeable in underwriting principles, regulations and guidelines for FHA, VA, FNMA and FHLMC Proficient in MS Office, FNMA DU, FHLMC LP, and various LOS systems Confidentiality and integrity evidenced by no debarment from FHA/VA Effective oral and written communication skills 2 hour response time Process Improvement via client/underwriter matching and training Detail oriented time manager and multi-tasker who meets deadlines Trainer who develops skill sets & knowledge for colleagues and clients .

Career Progression
01/09/2012 08/15/2013 LenderLive Network Inc. Denver, CO (Remote) 08/10/09 09/23/2011 Bank of America Renton, WA 05/12/08 to 10/22/08 Freedom Mortgage Tacoma, WA 10/23/2006 to 12/14/2007 Webster BankBellevue, WA. 06/2005 07/2006 Genworth MI Raleigh, NC and PMI Group Kirkland, WA 11/19/2003 1/5/2005 Aegis WholesaleBellevue, WA and remote 2/2002 11/2003 American Fidelity, Inc.Bellevue, WA. 03/2001-08/2001 United GuarantyBellevue, WA 02/1996 10/1998 MGICBellevue, WA Management 02/1995 to 02/1996 NW Lending/Q Point--Bellevue, WA Processing Manager 04/1993 to 10/1994 Hamilton FinancialBellevue, WA Regional Underwriting Manager

B.S. Business Administration & ManagementCity University Training Specialist CertificationUniversity of Washington