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TRACEY L.

BURKER
634 15th Avenue
Bethlehem, PA 18018
(610) 657-8556
tb842bb6@westpost.net

SUMMARY:
Over 20 years experience in providing quality customer support. Extremely hardw
orking professional willing to contribute 110% to meet goals and objectives. Hi
ghly responsible, well organized and the ability to handle multiple projects wit
h minimum supervision. High capacity for learning and developing quickly in all
endeavors.
EXPERIENCE:
TBI MORTGAGE (Division of Toll Brothers), Horsham, PA 8/08-4/09
Team Lead
Responsible for the final disposition of secured loans in a wholesale setting; w
ithin the framework of strict underwriting guidelines in order to maintain minim
al risk, and maximum profitability for the organization.
* Effectively assisted the processing team to gather necessary documentation for
accuracy and completeness for securitization.
* Assisted the sales staff in re-structuring a loan to meet investor guidelines.
* Knowledge of automated underwriting ( DU /LP )
* Effectively communicated underwriting decisions to all levels of management.
* Readily available to loan originators and managers to assist in helping to get
a loan approved from start to finish.
WILMINGTON FINANCE, Plymouth Meeting, PA 8/03-12/07
Senior Underwriter
Responsible for the final disposition of secured loans in a wholesale setting; w
ithin the framework of strict underwriting guidelines in order to maintain minim
al risk, and maximum profitability for the organization.
* Acted as team leader during leader's absence; assist junior underwriters, and
staff underwriters with decisions and exceptions.
* $450K underwriting authority.
* Averaged 115 loan decisions per month: top 5 in my region.
* Mastered 7 different sets of underwriting guidelines due to sale of loans on s
econdary market.
* Worked directly with all levels of sales (assistants to managers) to formulate
counter offers and additional options for brokers to sell their clients.
CONSECO FINANCE, Plymouth Meeting, PA 8/98 - 3/03
Underwriter (1/99 - 1/00): Senior Underwriter / Processing Supervisor (2/00 - 3
/03)
Responsible for the final disposition of secured loans within the framework of s
trict underwriting guidelines in order to maintain minimal risk, and maximum pro
fitability for the organization.
* Filled in as acting branch manager in the manager's absence.
* Effectively motivated the sales staff by setting objectives and individual coa
ching if needed.
* Routinely reviewed individual pipelines with the sales staff.
* Assisted sales staff and processing staff in getting loans approved and turned
around within 5-7 business days.
* Assisted with internal and Clayton Group audits to convert risk grade 3 loans
to risk grade 1 or 2 for the purpose of securitization.
* Provided superior quality - Maintained audit results below 8% risk grade 3 ove
rall (#1 in the country)
* Earned lending authority up to $150,000 with 5% loan to value exception.
* Effectively communicated underwriting decisions to all levels of management.
* Created sense of urgency and willingly taking responsibility for actions taken
.
* Routinely turn files around within 3 hours of receiving them.
* Successfully trained and developed new underwriters and quickly brought them u
p to company standards.
* Excellent at adhering to policy changes and communicating the need of the chan
ges to branches.
* Excellent at documenting a file for anyone who might later see the file (inter
nal auditors, management, Clayton Group)
* Commended for finding alternative offers for customers as opposed to simply de
nying loans.
* Readily available to loan originators and managers to assist in helping to get
a loan approved from start to finish.
Loan Processor (8/98 - 1/99)
* Processed loan applications from beginning to end, assuring all files are in o
rder prior to submission.
* Ordered title search and appraisal, and clear additional stipulations prior to
final submission.

EDUCATION:
High School Diploma, Liberty High School, Bethlehem, PA
PROFESSIONAL DEVELOPMENT:
* Zenger Miller Frontline Leadership
* Cultural Diversity
* Team Excellence
* Effective Meeting management
* Risk Management Workshop

TECHNICAL TRAINING:
PC Software Training
Penn State Lehigh Valley - Windows '95

TECHNICAL SKILLS:
* MS Word
* Calyx/Point Mortgage software
* 10-key touch